24/7 Canadian Approvals
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Interac e-Transfer funds delivered within 1 hour
Funds up to $3,000 CAD
Bad credit, no credit or a bankruptcy on file? We approve based on your income, not your credit report. Borrow $300 to $3,000 and get your funds by Interac e-Transfer within the hour.
A credit score is a snapshot of your past. It can be dragged down by a layoff, an illness or a few late payments years ago — and it says very little about whether you can repay a small loan today.
That is why we look at your present: a stable income and the capacity to make manageable payments. The result is a high approval rate, a decision in minutes and fast access to cash, with no judgment along the way.
When the bank says no, here is how we compare.
When traditional lenders say no, we say yes.
Your application never appears on your credit file, so there is no impact on your score.
Bankruptcy, collections or missed payments are not part of our decision.
If you have a steady income and meet the basic requirements, your chances of approval are excellent.
No waiting for days. You get your answer within minutes.
Your information stays confidential and is never sold or shared with third parties for marketing.
Repay on time and you can qualify for higher amounts, up to $3,000, on future loans.
Fast, simple and focused on your income.
Complete our simple form in about 2 minutes.
We verify your income and ability to repay instead of pulling your credit score.
Receive an instant decision with a high likelihood of approval.
Your money is sent by Interac e-Transfer, usually within 1 hour.
No. We do not perform a hard credit check, and on-time loans are not reported to the credit bureaus, so your loan stays private and your score is unaffected.
We base our decision on your current income and your ability to repay. Steady employment or a regular income source, including government benefits, usually qualifies.
Yes. Past bankruptcies, consumer proposals or collections do not affect your application because we do not review your credit history. Applicants currently in an active bankruptcy are not eligible.
That is not a problem. We regularly approve newcomers to Canada and young adults who are just starting to build credit.
No. Every approved borrower receives the same fixed 18% APR. There is no penalty for having bad credit or no credit.
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.
