Instant Approval Loans
Your Loan,
Sent by e-Transfer.
Not by Mail.
No cheques to cash, no counters to visit, no lineups. Your approved amount goes straight into your Canadian bank account through Interac e-Transfer — most of them land within the hour.
Straight to your bank
No middle steps
Every major bank
Interac across Canada
Under an hour
From approval to funds
Fully online
Start to finish
Takes about 2 minutes. Encrypted from the first field.
Minutes, Not Days
Answer while you wait
Deposit by Phone
Straight from your app
Interac Security
Bank-grade encryption
Canadian Support
Real people, real hours
Why an e-Transfer Beats Every Other Payout
It is simply the quickest, cleanest way to put approved money in your hands.
Arrives in Minutes
Once the transfer is sent, it usually shows up in your account within a few minutes. Nothing to clear, nothing to wait on.
Everything From Home
Apply, get your answer and receive the money without standing up. Your phone is the only branch you need.
Protected End to End
Interac e-Transfer runs on the same security your bank uses, so your funds travel encrypted and arrive where they should.
Funded Within the Hour
For most approvals the whole thing — application, decision, transfer — wraps up in under sixty minutes.
Zero Cashing Fees
No cheque to cash means no cashing fee to pay. Every dollar approved is a dollar that reaches your account.
Accept in One Tap
Open your banking app, accept the transfer and the money is yours. With auto-deposit on, it is already there.
Works With Every Major Canadian Bank
If your institution accepts Interac e-Transfer, we can send your money to it.
Plus credit unions and online-only banks on the Interac network.
How Your e-Transfer Loan Works
Four steps between the form and the money in your account.
1. Fill the Form
Two minutes with your basic details and where the money should land.
2. Get Your Answer
A decision comes back while you are still on the page.
3. We Send It
Sign off and the e-Transfer leaves on its way to your bank.
4. Accept & Spend
Accept it in your banking app — or skip that with auto-deposit on.
e-Transfer vs. the Old Ways
Same loan, very different trip to your wallet.
Paper Cheque
- Days waiting on the mail
- Cashing fees off the top
- A trip to a counter
- Lost or stolen in transit
- Holds before the funds clear
e-Transfer — Us
- Sent the moment you sign
- Nothing charged to receive it
- Accepted from your phone
- Interac bank-grade security
- Spendable as soon as it lands
In-Store Pickup
- You have to drive there
- Only during store hours
- Queue at the counter
- Cash in your pocket on the way home
- Closed on weekends and holidays
Start Your e-Transfer Loan
Tell us how much you need and where to send it. The rest takes minutes.
Apply for a Loan
It’s fast, easy and secure.
Your information is secure and encrypted
e-Transfer Questions, Answered
The things Canadians ask us most before their first transfer.
How long does the e-Transfer take?
Most transfers show up within minutes of being sent. Counting the application and the decision, the usual door-to-door time is under an hour. A few banks take up to half an hour to process what comes in.
Does it cost anything to receive it?
No. Receiving an Interac e-Transfer is free at every major Canadian bank, so nothing is shaved off the amount you were approved for.
What if my bank caps e-Transfers?
Receiving limits are normally much higher than sending limits. If your amount happens to sit above yours, a quick call to your bank is usually enough to have it raised.
Do I need auto-deposit turned on?
It is not required, only faster. Without it you get an email with a link to accept the transfer; with it the money is deposited on its own.
Can I get it outside business hours?
Interac runs around the clock, so transfers go out evenings and weekends too. Some banks queue incoming transfers slightly longer overnight.
Which account does the money land in?
The Canadian chequing account you give us during the application. If you need it somewhere else, tell our team before you sign.