24/7 Canadian Approvals
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Interac e-Transfer funds delivered within 1 hour
Funds up to $3,000 CAD
Forget paperwork, branch visits and long waits. Fill out one short online form in about 2 minutes, get an instant decision, e-sign from your phone and receive your money by Interac e-Transfer — usually within the hour.
Every step is online and built for speed. Here is exactly what happens after you click Apply Now.
Use your phone, tablet or computer. Share basic personal details, your income and employment information, the Canadian bank account where you want the e-Transfer and the amount you need, from $300 to $3,000. No documents to upload and no store to visit.
Average time: about 2 minutes
Our automated system reviews your request in real time using secure Instant Bank Verification (IBV) instead of a hard credit check. No callbacks, no waiting in line — your decision and loan agreement arrive by email within minutes.
Average decision: under 5 minutes
Read your loan agreement on screen. Every amount, payment date and cost is shown clearly before you commit. When you are ready, sign electronically from any device in a few taps.
Sign from anywhere
As soon as your agreement is signed, funds are sent by Interac e-Transfer to the account you chose. Accept it in your banking app — or let auto-deposit do it for you — and the money is yours to use.
Average funding: under 1 hour
Meeting these four basic requirements puts you in a strong position for approval. Anything else is optional.
Quick answers about our instant online approval process.
Our platform is fully automated. As soon as you submit your application, it verifies your information and evaluates your request in real time, so there is no queue of files waiting for a person to review them. Most applicants see a decision within minutes.
Occasionally we need to confirm a detail before a decision can be made. If that happens, you will be notified right away and a member of our team will usually review your file within about 30 minutes during business hours. A manual review is not a refusal.
No. We do not perform a hard credit inquiry, so submitting an application has no impact on your credit score or credit file.
Yes. Decisions focus on your current income and your ability to repay — not on your credit history. Many of our customers have low scores, no credit history or past financial difficulties.
Yes. Our online application and automated decision system are available 24 hours a day, 7 days a week, including holidays.
Funds are sent by Interac e-Transfer to the email linked to your Canadian bank account. Once accepted — or automatically deposited — the money is available right away. Some banks may take up to 24 hours to process a transfer.
Your bills won’t wait until next week, and neither should you. Apply in about 2 minutes, get a decision in minutes and receive 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.
