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Cash Money review


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Cash Money allows you to borrow amounts up to $1,500 both online and in-person across the country.

Cash Money offers payday loans, both online and in-store. Payday loans are high cost loans, but they offer the convenience of fast cash.


Min. Loan Amount


Max. Loan Amount

12-14 days (varies by province)

Loan Term


Product NameCash Money Payday Loan
Special PromoLoan discount on your very first $300 payday loan at $20 borrowing cost (excludes Alberta, Manitoba, New Brunswick or Saskatchewan).
Interest RateVaries by province
Min. Loan Amount$100
Max. Loan Amount$1,500
Loan Term12-14 days (varies by province)
Turnaround TimeIn as little as 15 minutes with INTERAC e-Transfer® if approved
How to ApplyOnline,In store
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More Info

How does borrowing from Cash Money work?

Cash Money lends up to $1,500 with payday loans. To apply for a payday loan, you can start an application for a lending decision online, over the phone or at a Cash Money store.

Cash Money hours and phone number

Cash Money’s store hours vary by location. Click on the “Go to site” button to find a store near you or to apply for a loan online. You will also be able to contact Cash money by phone or email.

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Features of a payday loan from Cash Money

  • Charges. Cash Money will charge you a fixed amount per $100 borrowed (between $15 to $19 per $100 borrowed, depending on your province of residence). These rates vary depending on provincial regulations, so be sure to read the details of your contract before signing.
  • Loan term. In general, your loan repayment will be scheduled on your next payday that falls between 5 and 40 days after receiving your funds.
  • Easy application. You can apply for a loan in store. In provinces where online lending is offered, the entire process can be completed from the comfort of your home.
  • Fast access to funds. In as little as 15 minutes with INTERAC e-Transfer® if approved. You can also pick up your cash immediately in a Cash Money store, or if you have an Opt+ Prepaid Mastercard®, you are eligible get your cash instantly loaded onto your card.
  • Fast decisions. Cash Money can generally provide a lending decision on the day of application.
  • Special promotions. Loan discount on your very first $300 payday loan at $20 borrowing cost (excludes Alberta, Manitoba, New Brunswick or Saskatchewan).

How much will the loan cost?

It’s important to understand the cost of any financial product, both what you will pay to borrow the loan and what you might pay if you’re late with your repayments. Cash Money will charge you a fixed amount per $100 borrowed – between $15 to $19 per $100 borrowed, depending on your province of residence.

The repayment terms will vary depending on the product and the amount you borrow. If approved for your loan, you’ll be provided with information regarding how and when to pay back your loan and what your loan repayments will be.

The fees for a payday loan with Cash Money are as follows:

What you will pay:

Interest fees: Depending on the province where you reside, you may pay anywhere between $15 to $19 in interest for every $100 borrowed. Check out our table below for specific fees paid by each province where Cash Money offers payday loans.

Fines: $25 if your cheque bounces or you have insufficient funds in your account to pay your loan repayments. The following are a list fees per every $100 for some provinces:

  • British Columbia: $15 per $100 borrowed
  • Nova Scotia: $19.00 per $100 borrowed
  • Ontario: $15 per $100 borrowed
  • Saskatchewan: $17 per $100 borrowed

Ready to apply? Here’s how.

In order to be eligible for a loan, you need to:

  • Present a valid form of ID showing you are at least 18 years of age, or the age of majority in your province of residence.
  • Earn a minimum net monthly income of $1,000.
  • Provide a working phone number.

If you want a step-by-step guide on how to apply for a payday loan, check out our full guide here. To complete your Cash Money application, you’ll need the following details:

  • Online banking details including your branch transit number, financial institution number and bank account number.
  • Personal details, including your name, address, email and phone number.
  • Proof of your income. You’ll need to provide your annual income, pay cycle frequency, hire date and employer name and phone number.
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Find out about payday loans and compare different providers

The online application is quick and you can receive a response immediately for a payday loan**. Potential timeline to receive funding: In as little as 15 minutes with INTERAC e-Transfer® if approved***.

If you’re interested in a personal loan up to $10,000, Cash Money is also an option for you to consider.

*Loan amounts vary by province. Visit for more details.

**Instant lending decision subject to system limitations.

***Get funds with INTERAC e-Transfer® in 2 hours or less if approved. Subject to system limitations and bank funding times.

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