In recent years, many Canadiand are applying for e-transfer payday loans because they offer a quick and easy solution to meet financial emergencies or unexpected expenses.
Their easy application processes and fast approval times make them a convenient solution for those in need of emergency funds. But with the many e-transfer payday loan platforms in Canada, it can be challenging to find the best.
To help you make an informed decision, we have compiled a list of the top 10 e-transfer payday loans in Canada 24/7. These lenders are known for their hassle-free application process, quick approval, and transparent fees and interest rates.
10 Best E-Transfer Payday Loans Canada 24/7
Many e-transfer payday loans in Canada are available 24/7, and making the right choice can be tough.
I have handpicked the 10 best e-transfer payday loans with instant approval, including “low-income, no credit check, e-transfer payday loans Canada 24/7” lenders.
1. Cash Money
Since 1992, Cash Money has been improving its products and services to assist approximately 1.2 million Canadians with emergency cash. Available in all provinces and territories, Cash Money offers one of the best online e-transfer payday loans in Canada 24/7. Emergency loans and instalment loans in Canada are also available at affordable rates.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- APR: Varies by province
- Loan Terms: 14 days
- Loan Amounts: Varies by province
Why we recommend Cash Money
- Offers flexible repayment terms
- Instant funding
- No prepayment penalties on instalment loans
- Funds are available in as little as 15 minutes with Interac e-Transfer
Why we don’t recommend Cash Money
- The interest rate of 46.93% is high
- The loan amount depends on which province you live in
Third-Part Reviews
Cash Money is rated 4.2 based on 2,196 ratings on Trustpilot.ca, making it a good option.
2. iCASH
iCASH is an innovative and convenient e-transfer payday loans platform that puts cash in your pocket in real time. iCASH takes a broad perspective of each application, focusing not on your credit history but on how much you need to get by. When you apply, your application is anonymously secured with high-quality encryption technology.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest rates: Varies by province
- Loan Terms: 7 to 62 days
- Loan Amounts: $100 to $1,500
Why we recommend iCash
- Instant funding
- High approval odds
- No prepayment penalties
- Bad credit is okay
Why we don’t recommend iCash
- High-interest fees
- Short repayment terms
Third-Party Reviews
iCash is rated 4.8 based on 2,132 reviews on Trustpilot.ca, making it a good pick.
3. Speedy Cash
Speedy Cash is a market leader in short-term financial services, including payday loans, checks to cash, and more. It was founded in 1998 and offered various financial services across Canada. The company has 20 locations in Canada and a virtual online store that provides convenient 24-hour loans. Speedy Cash offers E-transfer payday loans that receive payments instantly in your bank account.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest Rate: 15% to 23%
- Loan Terms: 14 days
- Loan Amounts: $200- $1,500
Why we recommend Speedy Cash
- Offers flexible repayment terms
- No prepayment penalties on instalment loans
- Instant funding through Direct deposit or Email money transfer
Why we don’t recommend Speedy Cash
- Short repayment terms
- High-interest rates
- Not available in some provinces in Canada
Third-Party Reviews
Speedy Cash is rated 4.8 based on 5,149 reviews on Trustpilot.ca, making it a good pick.
4. GoDay
GoDay is a reputable licensed online payday lender and one of Canada’s best e-transfer payday loans. GoDay’s easy application, quick approvals, and fast deposits make payday loans a sound solution to your financial needs.
For fast and hassle-free payday loans, you can count on GoDay. GoDay offers great online payment options and flexible lending terms, so you can enjoy the money you need when you need it.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest Rate: Varies by province
- Loan Terms: 14 – 23 days
- Loan Amounts: $500 – $10,000
Why we recommend GoDay
- The online system accepts customers at any time
- Offers an easy and straightforward application process
- Instant approval and funding
Why we don’t recommend GoDay
- The interest rate of 46.93% is high
- Restrictions on first-time borrowers
- The loan amount depends on which province you live in
Third-Party Reviews
GoDay is rated 4.4 based on 2,198 reviews on Trustpilot.ca, making it a good pick.
5. Money Mart
Money Mart is a leading provider of financial products, including e-Transfer payday loans, money transfers, and cheque-cashing services. Money Mart started as a cheque-cashing company in 1982. Since then, they have become Canada’s biggest and most reliable source of quick and convenient financial services.
Fast and convenient, a cash advance from Money Mart is available in minutes with no credit checks. They require only basic identification and are approved within minutes. Money Mart has always been a financial institution that is driven by integrity.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest Rates: Varies by province
- Loan Terms: 6 – 60 days
- Loan Amounts: $120- $1,500
Why we recommend Money Mart
- Accepts bad credit
- Instant funding is available
- No prepayment penalties
- Available at numerous locations across Canada
Why we don’t recommend Money Mart
- High-interest rates and administrative fees
Third-Party Reviews
Money Mart is rated 4.5 based on 3,788 reviews on Trustpilot.ca, making it a good pick.
6. My Canada Payday
My Canada Payday is one of Canada’s best “e-transfer payday loans Canada 24/7 child tax accepted” lenders. They offer one of the highest rates available on short-term loans.
My Canada Payday offers licensed and fully regulated payday loans. They offer payday loans in emergencies like unexpected auto repair or medical emergencies. Their flexible payment options make My Canada Payday the best place to get a payday loan in Canada.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest Rate: Varies by province
- Loan Terms: Up to 62 days
- Loan Amounts: $100- $1,500
Why we recommend My Canada Payday
- Offers a straightforward application process
- Bad credit is okay
- Instant approval and funding
- You can extend your repayment date
Why we don’t recommend My Canada Payday
- High-interest fees
- Low borrowing amount
- Payments are automatically withdrawn
Third-Party Reviews
My Canada Payday is rated 4.1 based on 849 reviews on Trustpilot.ca, making it a good pick.
7. Mr. Payday
Mr Payday provides people with quick cash when they need it most. As a licensed online e-Transfer payday loans lender, you are guaranteed to have your application processed quickly, safely, and easily.
Since its inception in 2002, they have helped Canadians more than a million times through payday loans that offer flexible payment structures and low-interest rates. Mr Payday offers fast and easy payday loans to Canadians who need money to cover missing payments, unexpected emergencies, or other bills.
They are committed to delivering their customers speedy, hassle-free, and reliable payday loans.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest Rate: Varies by province
- Loan Terms: Up to 62 days
- Loan Amounts: $100- $1,500
Why we recommend Mr. Payday
- It has a mobile app for iOS and Andriod
- Offers an easy application process
- Instant approval and funding
- Bad credit doesn’t matter
Why we don’t recommend Mr. Payday
- Very high fees
- Small borrowing amounts
- Requires two references
- It has only one store location
Third-Party Reviews
Mr. Payday is rated 4.8 based on 5,149 reviews on Trustpilot.ca, making it a good pick.
8. Loan Express
Loan Express is a trusted and proven e-Transfer payday loans lender offering fast, easy, and secure services. Over the last 15 years, Loan Express has provided quick and reliable online loans to Canadians. Loan Express is an expert in providing payday loans for Canadians with bad and no credit. The loan application is fast, simple, and secure.
As one of Canada’s oldest online payday loan companies, Loan Express understands what it means to offer customers fantastic rates and fast and efficient service.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest Rate: Varies by province
- Loan Terms: 14 – 30 days
- Loan Amounts: Varies by province
Why we recommend Loan Express
- Loan Express is a reputable and licensed lender in all Canadian provinces
- Offers an easy application process
- Fast approval and funding
Why we don’t Loan Express
- The interest rate is high
- Requires a steady source of income
Third-Party Reviews
Loan Express is rated 4.8 based on 5,224 reviews on Trustpilot.ca, making it a good pick.
9. Focus Cash Loans
Canadians from all over the country have received e-Transfer payday loans from Focus Cash Loans since 2008. Focus Cash Loans can offer you a surprisingly affordable solution, whether your goal is to pay off old bills, pay down other debts or enjoy some extra spending money.
You can apply online at any time of the day with a secure, simple form. Focus Cash Loans has over 12 years of experience in the finance industry and excellent customer support.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest Rate: Varies by province
- Loan Terms: Up to 62 days
- Loan Amounts: $100- $1,500
Why we recommend Focus Cash Loans
- Bad credit is okay
- Offers a straightforward application process
- Instant approval and funding
- You can use funds for any purpose
Why we don’t recommend Focus Cash Loans
- The interest rate is high
- Short repayment time
- Limited borrowing amounts
- Requires two references
Third-Party Reviews
Focus Cash Loans is rated 4.7 based on 386 reviews on Trustpilot.ca, making it a good pick.
10. North’n Loans
North’n Loans offers hassle-free and straightforward ways to get fast e-transfer payday loans in Canada. With North’n’Loans, you can apply for an e-transfer payday loan in a few minutes online and get the money deposited into your bank account.
The whole process is designed to be quick and straightforward, regardless of your credit history. Whether it is quick cash you need or credit consolidation, North’n’Loans is the best place to get your payday loans online in Canada.
Loan Details
- Loan Offered: Payday loans, instalment loans, and line of credit loans
- Interest Rate: Varies by province
- Loan Terms: 14 – 23 days
- Loan Amounts: $100- $1,500
Why we recommend Northn’ Loans
- No credit checks
- Offers an easy and fast application process
- Quick approval and funding
- The entire application process is done online
Why we don’t recommend Northn’ Loans
- High-interest rates and fees
Third-Party Reviews
Northn’ Loans is rated 4.3 based on 32 reviews on Trustpilot.ca, making it a good pick.
What are E-transfer payday loans?
E-transfer payday loans are short-term loans that allow you to get cash quickly when needed. The process is fast and easy; you can get the money in your account within minutes.
You can use the money for any purpose – from paying bills to covering unexpected expenses. And the best part is there’s no need to worry about credit checks or long wait times.
Related: The 10 Best Payday Loans in Canada (2025)
How E-Transfer Payday Loans in Canada 24/7 Work?
When you need urgent cash, the option of an e-transfer payday loan can be a convenient one. Instead of worrying about writing cheques and dropping them off at stores or waiting for them to clear, your loan will be electronically transferred into your bank account.
Once approved for an e-transfer payday loan, you’ll instantly get the money in your account. If you’re looking for a fast, convenient, and reliable way to get the cash you need, e-transfer payday loans may be an option.
Related: Guaranteed Payday Loans No Matter What Canada
Final Thoughts on E-Transfer Payday Loans in Canada 24/7
When it comes to e-transfer payday loans in Canada, there are many options to choose from. However, it’s crucial to make an informed decision and choose a lender that best meets your needs. I hope my list of the top 10 e-transfer payday loans in Canada 24/7 has helped guide you towards making the right choice.
Before accepting any loan offers, carefully read the terms and conditions, fees, and interest rates. And if you’re unsure about anything, don’t hesitate to contact the lender’s customer support for clarification.
Stay financially responsible and use e-transfer payday loans as a short-term solution to unexpected expenses or emergencies only.
