24/7 Canadian Approvals
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Interac e-Transfer funds delivered within 1 hour
Funds up to $3,000 CAD
Clear answers about applying, approval, e-Transfer funding, repayment, eligibility and security. Can’t find what you need? Email support@sendmecashtoday.ca.
It is a small personal loan designed to cover an unexpected expense or a gap between paydays. You can borrow from $300 to $3,000 and repay it over 6 months with weekly or bi-weekly instalments. Unlike a bank loan that can take weeks, funds are usually available the same day.
Loans range from $300 to $3,000. The amount offered depends on your monthly income, employment situation, existing obligations and repayment history with us. First-time borrowers usually start between $300 and $1,000, and can qualify for more after repaying on time.
Click Apply Now, complete the secure form with your personal, income and banking details, and submit. You will receive an instant decision, e-sign your agreement and get your funds by Interac e-Transfer. Everything can be done from a phone, tablet or computer.
Your full name, date of birth, address, phone number and email; your employer or income source, income amount, pay frequency and next pay date; and your bank name plus the email you use for Interac e-Transfer. No pay stubs or utility bills are required.
Yes. Applications and automated decisions run 24 hours a day, 7 days a week, including weekends and holidays. Our support team answers emails on business days.
About 2 minutes. We only ask for the information needed to make a lending decision — far less than a typical bank application, which can take 30 to 60 minutes.
We do not perform a hard credit check, so applying will not affect your credit score. We assess your current ability to repay based on your income and employment stability, using secure Instant Bank Verification.
Most applicants receive a decision within 5 minutes of submitting, along with a confirmation by email.
We send your loan by Interac e-Transfer to the email linked to your Canadian bank account. Most customers receive funds within 30 to 60 minutes after signing. If auto-deposit is enabled, the money lands in your account automatically.
You will be notified immediately, and your credit score is not affected. You are welcome to reapply if your situation changes. Common reasons for a decline include insufficient income, an active bankruptcy or not meeting the minimum requirements.
Payments are collected automatically from your bank account on scheduled dates, aligned with your paydays whenever possible. We send an email reminder before each payment — just make sure enough funds are available.
Loans are repaid over 6 months with weekly or bi-weekly payments at a fixed 18% APR. Your exact payment amounts, dates and total cost of borrowing are shown in your agreement before you sign.
Yes, at any time and with no prepayment penalty. Paying early reduces the interest you pay. Contact our support team to get your current payoff amount.
Non-sufficient funds (NSF) fees may apply as outlined in your agreement, and we will reach out to arrange a solution. If you know a payment will be difficult, contact us before the due date. Continued non-payment may lead to collection activity and reporting to credit bureaus.
In most cases, yes. Email support@sendmecashtoday.ca at least 3 business days before the scheduled payment and we will help you adjust it.
You must be 18 or older (or the age of majority in your province), live in Canada, have a steady source of income, hold a Canadian bank account that accepts Interac e-Transfer, have a valid email and phone number, and not be in an active bankruptcy.
Yes. We focus on your current income and ability to repay rather than your credit score. Applicants with poor credit, no credit or a past bankruptcy are welcome to apply.
No. A steady source of income is what matters: employment, self-employment, Employment Insurance, disability benefits, social assistance, pensions or the Canada Child Benefit can all qualify.
Yes. Simply provide details about your business and your typical monthly income in the application.
Applications are accepted from all 10 provinces and 3 territories: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan, the Northwest Territories, Nunavut and Yukon. Availability and terms vary by region.
Yes. Your data is protected by 256-bit SSL encryption, stored on secure systems with restricted access and monitored around the clock. We never sell your personal information to third parties.
Yes. Interac e-Transfer is one of the most secure ways to move money in Canada. It uses bank-level encryption and deposits funds only into your verified bank account.
Applying is free and won’t affect your credit score. Get your decision in minutes and your funds by Interac e-Transfer, often within the hour.
SendMeCashToday is a loan connection service, not a direct lender. Loan amounts, rates, terms and availability vary by province and are set by the lender, subject to its approval. Not all applicants will qualify. Please borrow responsibly.
