{"id":1050270,"date":"2025-01-10T13:21:44","date_gmt":"2025-01-10T18:21:44","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1050270"},"modified":"2026-07-31T14:00:31","modified_gmt":"2026-07-31T18:00:31","slug":"coolcash-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/payday-loans\/coolcash-review","title":{"rendered":"CoolCash Review: Is It Legit?"},"content":{"rendered":"<h3>Is CoolCash legitimate?<\/h3><p>We\u2019re not prepared to sign off on the legitimacy of CoolCash. Our research into the lender raised the following concerns:<\/p><ul><li><strong>No licence.<\/strong> We couldn\u2019t find any valid payday lending licences for CoolCash.<\/li><li><strong>Broken links.<\/strong> The links from the CoolCash homepage to its app in the Apple App Store and Google Play Store were not working, and when we visited the stores to look for CoolCash, our search turned up empty.<\/li><\/ul><section id=\"alternatives\"><\/section><h3>Alternative: Cash advances<\/h3>\nCash advances can be much cheaper, with APRs as low as 0% and flexible repayment terms. 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class=\"topPicks__productName\">KOHO Cover<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" class=\"topPicks__image\" alt=\"KOHO logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-promotion-july-august-2026\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$75<\/text><\/svg><span>$75 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22product_id%22%3A%22f256ae15-efed-4744-b404-5007adc7d719%22%2C%22product_name%22%3A%22KOHO%2BCover%22%2C%22provider_id%22%3A%22e32c50f7-c28d-4e2e-b914-e27d6a80ac43%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2224890%22%2C%22post_id%22%3A%221050270%22%2C%22post_path%22%3A%22payday-loans%252Fcoolcash-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-koho-promotion-terms-and-conditions-jul-aug-2026\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest is charged to access a cash advance, however a fee is charged monthly (from as little as $2.00\/month). Interest rates displayed are Annual Percentage Rates (APRs) and are provided by our lending partners or obtained on the brand's website. The rates are not guaranteed and should be used for general information purposes only. Interest rates will depend on your location, the lender\u2019s assessment of your credit profile and other circumstances. All loan applications are subject to the lender\u2019s credit criteria, approval and terms and conditions.\" title=\"\" data-original-title=\"\"><\/span> + monthly fee from $2<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $20 \u2013 $250<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Flexible terms<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">High Maximum Limit<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/bree-review\" class=\"topPicks__productName\">Bree Early Pay<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" class=\"topPicks__image\" alt=\"Bree logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22provider_id%22%3A%224e4ab891-7bbb-4486-ab5c-34b55900e6c3%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2223342%22%2C%22post_id%22%3A%221050270%22%2C%22post_path%22%3A%22payday-loans%252Fcoolcash-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional transfer fee of   to access instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $20 \u2013 $750<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Repay within 90 days<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Builds Credit<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review\" class=\"topPicks__productName\">Nyble Credit Line<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" class=\"topPicks__image\" alt=\"Nyble logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22provider_id%22%3A%22ebeeeb79-83ef-4800-894b-85bc38778e7c%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2223215%22%2C%22post_id%22%3A%221050270%22%2C%22post_path%22%3A%22payday-loans%252Fcoolcash-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional $11.99\/month fee for membership to get premium services such as instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $30 \u2013 $250<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Repay within 31 days, extendable<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<h3>Features of CoolCash<\/h3><ul class=\"list-1\"><li><strong>Borrow up to $500.<\/strong> CoolCash says it offers loan amounts of up to $500.<\/li><li><strong>Fast access to funds.<\/strong> You can apply and get approved the same day, and funds will be deposited into your bank account within 30 minutes of approval.<\/li><li><strong>Bad credit is okay.<\/strong> While CoolCash conducts a credit check during the application process, bad credit won\u2019t stop you from getting a loan. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bad-credit-personal-loans\/best-bad-credit-personal-loans\">Learn more about the best bad credit loans<\/a>.<\/li><li><strong>Term loans.<\/strong> The CoolCash website also mentions the availability of term loans with a 30-day repayment period.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-12\"><li><strong>Not a licensed lender.<\/strong> CoolCash does not appear to be licensed to provide payday loans.<\/li><li><strong>Credit checks.<\/strong> According to CoolCash\u2019s loan agreement, the lender will conduct a credit check as part of the application process.<\/li><li><strong>App download required.<\/strong> You\u2019ll need to download the CoolCash app to your mobile device to apply for a loan, but the apps don\u2019t seem to be available on the app stores. <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/loan-apps-canada\">Learn more about loan apps in Canada<\/a>.<\/li><li><strong>High cost of borrowing.<\/strong> Payday loans are extremely expensive and have short repayment terms, so it\u2019s important to be sure you can afford to repay what you borrow before applying for a loan from any lender.<\/li><li><strong>$500 loans.<\/strong> The $500 maximum loan amount may not be enough for your financial needs.<\/li><\/ul><h3>What do CoolCash reviews say?<\/h3><p>We were unable to find any CoolCash customer reviews online.<\/p><h3>What is the CoolCash application process like?<\/h3><p>You can apply for a CoolCash payday loan by downloading the lender\u2019s app to your mobile device. You\u2019ll need to provide sensitive personal information like your name, date of birth, address and contact details along with your Social Insurance Number. You\u2019ll also need to provide details of your income and employment as well as proof of ID.<\/p><h3>Bottom line<\/h3><p>CoolCash claims to offer quick payday loans. However, we couldn\u2019t find a valid payday lending licence for this provider. So, if you\u2019re searching for a payday loan from a legit lender, consider applying elsewhere.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Where can I find a legitimate payday lender in Ontario?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>There are several reputable lenders that are licensed to offer payday loans in ON<br>. Learn more in our detailed <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\">payday loans in Ontario guide<\/a>, and <a href=\"https:\/\/www.ontario.ca\/page\/search-business-licence-registration-or-appointment\" target=\"_blank\" rel=\"noopener\">search the Government of Ontario database<\/a> to check if a lender is properly licensed.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What requirements do I need to meet to be eligible for a CoolCash loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>To qualify for a loan you will need to:<\/p><ul><li>Be 18 years of age or older<\/li><li>Be an ON<br> resident<\/li><li>Be employed<\/li><li>Have a mobile phone<\/li><li>Have an active Canadian bank account<\/li><li>Have an active Facebook account<\/li><\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">How do I manage my CoolCash loan repayment?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Your repayment will be automatically deducted from your bank account or charged to your card on the due date. If you think you may struggle to make a payment on time, you can contact CoolCash to try to arrange a suitable repayment alternative.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_1107128540\" data-toggle=\"collapse\" data-target=\"#sources_1107128540\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_1107128540\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.ontario.ca\/page\/search-business-licence-registration-or-appointment\" target=\"_blank\">Ontario.ca: Search for a business licence, registration or appointment<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Does CoolCash offer legitimate payday loans in Ontario? Find out here.<\/p>\n","protected":false},"author":516,"featured_media":1050276,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"CoolCash review","_yoast_wpseo_title":"CoolCash Review: Is It Legit? | Finder Canada","_yoast_wpseo_metadesc":"CoolCash provides fast payday loans in Ontario. Find out if it's legit, how it works and what to watch out for in this CoolCash review.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"CoolCash Review: Is It Legit? | Finder Canada","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"1000","post_editor_date":"","post_author_date":"2024-12-25T22:19:04","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-07-31 17:55:12\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated our reasons for believing CoolCash may not be legit and added cash advance apps.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[5506],"tags":[],"asset_tag":[],"class_list":["post-1050270","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payday-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CoolCash Review: Is It Legit? | Finder Canada<\/title>\n<meta name=\"description\" content=\"CoolCash provides fast payday loans in Ontario. Find out if it&#039;s legit, how it works and what to watch out for in this CoolCash review.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/payday-loans\/coolcash-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CoolCash Review: Is It Legit? | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"CoolCash provides fast payday loans in Ontario. 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Learn more in our detailed <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\">payday loans in Ontario guide<\/a>, and <a href=\"https:\/\/www.ontario.ca\/page\/search-business-licence-registration-or-appointment\" target=\"_blank\" rel=\"noopener\">search the Government of Ontario database<\/a> to check if a lender is properly licensed.\r"}},{"@type":"Question","name":"What requirements do I need to meet to be eligible for a CoolCash loan?","acceptedAnswer":{"@type":"Answer","text":"\rTo qualify for a loan you will need to:\r<ul>\r \t<li>Be 18 years of age or older<\/li>\r \t<li>Be an ON<br \/> resident<\/li>\r \t<li>Be employed<\/li>\r \t<li>Have a mobile phone<\/li>\r \t<li>Have an active Canadian bank account<\/li>\r \t<li>Have an active Facebook account<\/li>\r<\/ul>\r"}},{"@type":"Question","name":"How do I manage my CoolCash loan repayment?","acceptedAnswer":{"@type":"Answer","text":"\rYour repayment will be automatically deducted from your bank account or charged to your card on the due date. If you think you may struggle to make a payment on time, you can contact CoolCash to try to arrange a suitable repayment alternative.\r"}}]}]},"article_modified_time":"2026-07-31T13:55:12+00:00"},"custom_fields":{"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"CoolCash claims to offer fast payday loans, but we&#039;re not signing off on its legitimacy.\"}"],"_content_type":["niche-content\/recommendation\/product-review"],"custom_post_template":["single-product-review.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/1050270","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/516"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=1050270"}],"version-history":[{"count":8,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/1050270\/revisions"}],"predecessor-version":[{"id":1081816,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/1050270\/revisions\/1081816"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1050276"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=1050270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=1050270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=1050270"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=1050270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}