How CashZap Works
1. Apply Online
Fill out our secure application in just a few minutes.
2. Instant Matching
We perform a soft search and match you with lenders most likely to approve you.
3. Get Your Funds
If approved, funds are sent directly to your bank account or via e-Transfer.
Instant No Refusal Payday Loans Canada
No Refusal Loans are designed for Canadians who’ve been turned down elsewhere. These loans focus on your income and repayment ability, not your credit score.
CashZap helps Canadians access instant no refusal payday loans online, even with bad credit. Our smart loan matching platform connects people with trusted lenders offering fast decisions and quick funding—day and night.
Apply online in minutes. No paperwork. No long waits.
Get Instant Payday Loans — Even With Bad Credit
CashZap arrange no refusal payday loans in Canada, for those people who need urgent cash and may not qualify through traditional banks.
- No hard credit checks
- High approval rates
- Same-day or next-day funding
- E-Transfer options available
- Fully online & secure
Whether it’s a medical bill, rent shortfall, car repair, or emergency expense, CashZap helps you move forward without stress.
Types of Loans Available
Who Can Apply?
CashZap is built for real Canadians. You may qualify if you:
- Are 18 years or older
- Have a Canadian bank account
- Receive regular income (job, EI, ODSP, CPP, or benefits)
- Live in a province we serve
Even if your credit score is low and you’ve been declined before, still have options with CashZap.
Why Canadians Trust CashZap
Independent Platform
We’re an independent affiliate platform, not a direct lender.
Real Lenders
We provide honest information and real lender connections.
Responsible Lender
We help users compare offers and borrow responsibly.
Trusted by Canadians Nationwide
At CashZap, we take pride in being a reliable and accessible solution for Canadians who need fast financial support.
I was short on rent this month — applied at lunch, got my money by evening. Total lifesaver!
Sarah M. – Toronto, ON
Even with bad credit, they found me a lender in minutes. Super simple and transparent.
Emily R. – Calgary, AB
“I’ve tried other sites, but CashZap was the fastest and easiest. Highly recommend!
Michael T. – Edmonton, AB
Serving Canadians Nationwide
Ontario
Amount: $1,500
Fees: $15 per $100 borrowed
Interest Rate: Up to 391% APR
Loan Term: 14–30 days
Alberta
Amount: $1,500
Fees: $15 per $100 borrowed
Interest Rate: Up to 365% APR
Loan Term: 14–30 days
British Columbia
Amount: $1,500
Fees: $15 per $100 borrowed
Interest Rate: Up to 325% APR
Loan Term: 14–30 days
Quebec
Amount: $1,500
Fees: $20 per $100 borrowed
Interest Rate: Up to 35% APR
Loan Term: 14–30 days
Nova Scotia
Amount: $1,500
Fees: $15 per $100 borrowed
Interest Rate: Up to 343% APR
Loan Term: 14–30 days
How to Borrow Money Instantly in Canada Without Credit Check
Frequently Asked Questions (FAQs)
What are no refusal payday loans in Canada?
Can I get a payday loan with bad credit?
Yes. Our lenders on our platform consider applications from people with bad credit and past financial difficulties. A steady source of income is often more important than your credit history.