A fast loan when the unexpected happens
Apply in 5 minutes, with no credit check or documents. Your money arrives by Interac e-Transfer after approval.
No credit check
Your fast loan in 4 simple steps
From the online application to money in your account, a clear path with no paperwork.
Apply online
Fill out a simple form, entirely online, in just a few minutes.
Instant processing
Instant bank verification (IBV) with Flinks, no credit check.
Direct deposit
Your funds arrive by direct deposit or Interac e-Transfer upon approval.
Enjoy your money
The money is in your account: handle the unexpected and get your peace of mind back.
Built to help you out
Simple approval, without delay and in complete discretion, whatever your bank.
No documents needed
IBV verifies your account securely: no pay stubs, no paperwork.
Application sent
Online, in 5 minutes
IBV verified
With Flinks, no credit check
Interac deposit received
Almost instantly
From application to deposit, in minutes
Processing is instant as soon as your application is accepted.
instalments
Repay at your pace
Monthly or bi-weekly instalments; early repayment without penalty.
- BMO
- TD
- Desjardins
- RBC
- Scotiabank
- and the rest
Deposited directly into your bank account
Almost instantly, whatever your institution.
Choose the amount that fits
Loans from $300 to $2,000, repaid weekly, every two weeks or monthly. Every loan is an open loan: pay it off early without penalty.
Final payment : $85.47
- Estimated interest
- $110.03
- Estimated total
- $1,110.03
- Paid out by
- Interac e-Transfer
Money in your account shortly after approval.
Estimate for illustration only over 6 months, calculated using the periodic rate for the selected payment frequency and excluding monthly membership fees. Your exact terms and total cost of borrowing are confirmed in your application. Every loan is an open loan: pay it off early without penalty. Periodic rate: 0.8464 % · Nominal annual rate: 21.9804 % · Effective annual rate: 24.5 %.
Apply nowEstimates use the periodic rate for the selected payment frequency; exact fees and total cost are confirmed before acceptance.
Behind every loan, someone who answers
Use your loan to handle an urgent or unexpected situation: a repair, a surprise bill, a rough patch to get through. Your transaction is handled with integrity and full clarity, and a real person answers the phone.
Simple, transparent criteria
You are eligible if:
- You are 18 or older
- You earn $1,200 or more per month, paid by direct deposit
- You are a Canadian citizen
- You have held a job for more than 3 months
- You are not in a bankruptcy process
- You are able to repay the loan
You are not eligible if:
- You are self-employed
- Your income comes from child tax credits
- Your income comes from a retirement savings plan
- Your income comes from student loans
- Your income comes from any form of social assistance
What our customers say
Customers helped out, across Quebec.
NovaCash was great! The service is fast and the team is friendly. I got my loan without stress. I recommend it to everyone.
NovaCash really impressed me. I needed an emergency loan and got the money the same day. Thanks for your quick and effective help.
A huge thank you to NovaCash! You really helped me out when I needed it. The service is fast and efficient, I would definitely recommend it.
NovaCash, you are awesome! I received the money super fast and the process was really easy. I will definitely be back.
Thanks NovaCash! I needed a quick loan and you were there. The service is fast and without complications. I am very happy!
Get helped out today
Apply online in 5 minutes, or call us: a real person answers.