Cash 4 You personal loan interest rates & product overview

The table below shows Cash 4 You personal loan options. Cash 4 You was established in 2001 and offers a variety of loans to residents of Ontario. This Canadian Consumer Finance Association is a fully licenced lender and has over 100 stores across Ontario.

How much will a personal loan from Cash 4 You cost you? Take advantage of the Cash 4 You personal loan calculator below. Find the best monthly repayment estimate for you based on loan amount and term.

Terms from 1 to 5 years. Representative example: 5 year $10,000 loan with comparison rates from 7.99% to 46.96% APR would cost between $12,163 and $26,087, including fees. The interest can vary between $2,163 and $16,087.

About Cash 4 You personal loans

Whether you’re looking for emergency credit or extra cash for personal use, Cash 4 You offers money solutions that fit the bill. Keep in mind, Cash 4 You loans are only offered to residents of Ontario, Canada.

Cash 4 You personal loan features

  • Loan amount. $1,000 – $15,000
  • Loan term. Up to 60 months
  • APR. The APR for Cash 4 You loans is 46.93%
  • Fixed interest rates. Your payments will never go up
  • All credit types. Bad credit borrowers are welcome
  • No collateral. No need to provide security for the loan
  • No hidden fees. You can make unlimited early repayments without penalty. There are no origination fees, closing costs, or any extra fees you didn’t know about.
  • In-store cash pickup. Cash 4 You has 1,000+ stores across Ontario that you can visit to finalise your loan and pick up your cash.

What type of loans does Cash 4 You offer?

  • Installment loans. A Cash 4 You Installment Loan enables you to make a big purchase or payment, whether it’s for a holiday, wedding, home improvements, or credit card debt consolidation. You repay the loan over six months through regular, scheduled payments.
  • Payday loans. A Cash 4 You Payday Loan or Cash Advance is a short-term loan you take out when you need emergency credit. The loan has to be repaid in full on your next pay date. You can borrow up to $1,500, and you must be employed with a net income of $250 per pay date.

How to apply for a Cash 4 You personal loan

  • Submit your application. You can apply online or at any one of the 100+ Cash 4 You stores.
  • Wait for your approval You don’t need perfect credit to get approval.
  • Pickup your cash. You’ll need to visit the nearest store to verify your documents, sign the loan agreement, and pick up your cash. If you apply for a payday online, the money can be deposited into your account.

Check that you’re eligible:

Cash 4 You personal loans come with the following requirements:

  • Be a resident of Ontario
  • Have a valid Canadian photo ID
  • Be at least 18 years of age
  • Have a steady source of income
  • Have an active bank account

What you’ll need:

  • Social Insurance Number
  • Details of the loan you want
  • Documents, such as ID, bank statements, payslips, and proof of residence

Cash 4 You personal loan calculator

Calculator coming soon

Cash 4 You FAQs

What is the difference between an Installment Loan and a Payday Loan?

Payday loans are short-term because you need to repay the debt on your next payday. With an installment loan, you can borrow a larger loan amount and repay it over time, up to 60 months.

How long does it take to get a Cash 4 You personal loan?

When you submit your application, you will receive a decision within minutes. However, the time it takes to receive funds depends on how long the document verification and loan agreement signing process is. Otherwise, you can get your money on the same day.

Can I get a loan without visiting a Cash 4 You Store?

Yes. If you apply for a payday online, be sure to select the Interac eTransfer® option for the money to be deposited in your account.

What else do I need to know about Cash 4 personal loans?

Cash for you does not offer co-signed or joint application loans, but you may be able to refinance your loan.

Video: Why should you choose Cash 4 You?