911cash Apply now

Fast cash, paid back over months.

Apply once in about five minutes. We send it to lenders in our network that lend to Canadians with bad credit.

Apply now How it works

Applying doesn't commit you to anything. You only agree to a loan when you sign a lender's contract.

What would my payments be?

$1,000
98 days
I get paid

$149.96 every 2 weeks

7 payments, about $1,049.72 in total at 32% APR. At 22% APR, about $147.72 per payment.

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An estimate at the 32% APR top of the typical range. The lender sets your actual rate and fees, and shows them before you sign. Rates and fees

What happens after you apply

Everything is online. No branch visit, no fax, no documents to upload.

  1. Apply once

    About 5 minutes

    One short form on your phone or computer. It goes to every lender in our network.

  2. Hear from a lender

    Often the same day

    A lender that can help contacts you directly by phone or email.

  3. Verify your bank

    A few minutes

    You sign in to your online banking through Instant Banking Verification. Nobody sees your password.

  4. Sign and get paid

    Once you sign

    Read the contract first. Many lenders deposit the funds the same day it's signed.

Who can apply

Your credit score isn't the only thing lenders look at. You need to:

  • Be 18 or older
  • Have a full-time job or steady self-employed income
  • Not be in bankruptcy
  • Be a Canadian citizen
  • Have a bank account you can sign in to online
Apply now

Not a payday loan

A payday loan is due in full on your next paycheque. An installment loan is split into smaller payments that line up with your pay.

Payday loan

Repaid
All at once, on your next payday
If money is tight that week
Often a second loan to cover the first

Installment loan

Repaid
In equal payments over 90 to 120 days
If money is tight that week
The next payment is the same size

What it costs

Each lender sets its own terms. These are typical of the lenders in our network, last reviewed November 2026.

Amount
$300 to $3,000
Repaid over
90 to 120 days
Annual rate (APR)
22% to 32%Based on the risk of the application
Membership fees
May applyAlways shown in your contract

Representative example

A $300 loan at 32% APR over 98 days is repaid in 7 payments of about $44.99, every two weeks. Total repaid: $314.93, of which $14.93 is the cost of borrowing.

Full rates, fees and payment schedule

Use it for what you need

You don't have to explain why you're borrowing. People often use these loans for:

  • A car repair to get to work
  • Rent that's behind
  • A utility bill before it's cut off
  • Dental or medical costs
  • A deposit on a new place
  • Paying down high-interest debt
  • A flight home for family
  • A broken fridge or furnace

Common questions

Is 911cash a lender?

No. We send your application to partner lenders in our network. If one accepts it, that lender contacts you, provides the loan, sets the rate and fees, and handles your payments.

Will applying hurt my credit score?

911cash doesn't run credit checks. A lender that reviews your application may check your credit, and explains how in its own terms.

How fast can I get the money?

Lenders often contact applicants the same day. Once you verify your bank and sign the contract, many lenders deposit the funds the same day.

Do I need to upload documents?

No. Lenders confirm your income through Instant Banking Verification, so there's no ID, pay stub or bank statement to send.

All questions and answers

Ready when you are.

One application, about five minutes, and no commitment until you sign.

Apply now