Cash 4 You is a licensed lender offering quick payday and installment loans, making it a convenient option for those who need fast cash. Its same-day funding and easy approval process, especially for payday loans, are major advantages.
However, its installment loans come with a high APR and the service has mixed customer reviews. While it may work for emergency borrowing, borrowers should compare alternatives with lower rates and longer repayment terms before committing.
What is Cash 4 You?
Cash 4 You offers payday loans in Ontario and British Columbia and installment loans exclusively in Ontario. Payday borrowers can access up to $1,500, while installment loans range from $1,000 to $15,000. The company offers fast approval and same-day funding (with in-store pickup), making it a popular option for borrowers who need quick cash.
While Cash 4 You is a legitimate lender, its online loans come with very high rates and fees, and they are more expensive than traditional loans.
Is Cash 4 You legit?
Yes, Cash 4 You is a fully licensed lender operating in Ontario. The company is also recognized by the Canadian Consumer Finance Association (CCFA). With over 100 locations, it operates under established lending guidelines, but it’s also important to note that it has mixed customer reviews on sites like the Better Business Bureau and Trustpilot.
Pros and cons of Cash 4 You loans
Pros
Fast approval. Payday loans are approved within 60 minutes during business hours with same-day funding via Interac e-Transfer or in-store pickup.
No credit check for payday loans. You don’t need a credit check to qualify for a payday loan, making it accessible for borrowers with bad or no credit.
Multiple loan options. Cash 4 You offers both payday and installment loans, providing short-term and longer-term borrowing options.
Convenient application. Apply online or in-store at over 100 physical locations across Ontario for in-person assistance.
Licensed lender. Cash 4 You is a licensed and regulated lender that follows Ontario and British Columbia payday loan laws.
Cons
Higher borrowing costs. Installment loans have a 34.37% APR, which is higher than most traditional installment loans.
Credit check required for installment loans. Unlike payday loans, installment loans require a credit check and income verification, making them harder to qualify for.
Limited availability. Cash 4 You only offers payday loans in Ontario and British Columbia and installment loans in Ontario only, making it unavailable in other provinces.
Mixed customer reviews. Cash 4 You has an F rating on BBB with some complaints about repayment policies and customer service.
⚠️ Warning: Be cautious with payday loans
High-cost payday loans are unsustainable for borrowing over a continued period of time and are expensive as a means of longer-term borrowing. If you're experiencing financial hardship call Credit Counselling Canada for free financial counselling (Monday-Friday 8:00am-5:00pm at +1 866-398-5999). You may also want to consider payday loan alternatives.Maximum borrowing costs will vary by province. Review the maximum borrowing cost for your province before entering into a loan agreement.
Like Cash 4 You, iCash is an online direct lender in Canada offering payday loans of up to $1,500. Their services are accessible 24/7 with instant approval decisions and funds delivered via Interac e-Transfer within minutes of approval. iCash caters to individuals with various income types, including those receiving government benefits. They also provide flexible repayment options through their Flexpay feature, allowing repayments over two or three pay periods.
Quick and convenient online application process
Instant approval and rapid funding
Flexible repayment options
High fees associated with payday loans
Potential cycle of debt if not managed responsibly
Both Cash 4 You and Loans Canada are reliable resources of installment loans. However, Loans Canada is a little different because, instead of lending directly, it is a lending platform that connects borrowers with a network of lenders offering installment loans. These loans typically range from $500 to $50,000 with repayment terms extending from 3 to 60 months. Installment loans are repaid in regular, fixed payments, making them suitable for larger expenses or debt consolidation. Unlike payday loans, installment loans often come with longer terms and more manageable repayment schedules.
Access to a variety of lenders and loan products
Longer repayment terms with fixed payments
Accepts applicants with all credit types
Potential origination fees or other charges depending on the lender
You may be subject to a higher interest rate if you have bad credit
Similar to a payday loan you can get from Cash 4 You, Bree also cash advances up to $500 to help Canadians prevent overdraft fees and cover unexpected expenses. Their service charges no interest, but you may pay a small subscription fee, and if you opt for instant funding, you'll be charged an additional fee. The application process is quick with no credit checks required, and funds can be accessed within minutes or in up to three business days with standard funding. Bree allows borrowers to repay their cash advance within a flexible period of up to 65 days with no mandatory fees or interest.
No interest or mandatory fees
No credit check required
Fast access to funds
Maximum advance amount is limited to $500
Monthly membership fee of $2.99 after 1-month free trial
Not available in all provinces
Loan amount
Up to $500
APR
Starting at 0%
Term
Next pay cycle (65 days max)
Fees
0% interest with a $2.99 monthly membership fee
Turnaround time
Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and up to 3 business days for standard delivery.
$35 per hour on average (depends on chosen tasks & engagement)
Sign-up in minutes
Instant cash-outs from $2
$5 sign-up bonus when you start your first task
What are Cash 4 You interest rates?
Cash 4 You offers two primary loan products with their own interest rates.
Installment loans
These loans range from $1,000 to $15,000 with an APR of 34.37%. Interest accrues over the repayment term, which can be 9 to 60 months.
Payday loans
Payday loans are available up to $1,500 with a fixed fee of $14 per $100 borrowed, which is the maximum rate allowed across Canada. This fee structure usually translates to a high APR—over 300%—making payday loans a costly borrowing option.
Borrowers should carefully review the total cost of borrowing before taking out a loan.
Types of Cash 4 You loans
Cash 4 You offers both installment loans and payday loans:
Cash 4 You loans
Loan amount
Interest rate
Loan term
Eligible provinces
Payday loans
$120 – $1,500
$14 per $100 borrowed in Ontario and $14 per $100 borrowed in BC
By your next payday
Ontario and British Columbia
Installment loans
$1,000 – $15,000
34.37%
9 - 60 months
Ontario only
Cash 4 You reviews
Site
Details
Trustpilot
4.9 out of 5 stars based on 22,093 Cash 4 You reviews
Google
N/A
BBB accredited
No
BBB rating
F
BBB reviews
1.57 out of 5 stars based on 21 Cash 4 You reviews
Apple Store
N/A
Google Play Store
N/A
Reviews as of February 14, 2025
What do Cash 4 You reviews say?
Customer reviews for Cash 4 You are mixed with a strong divide between positive Trustpilot ratings and negative BBB complaints.
On Trustpilot, many customers praise the company’s fast approvals, helpful customer service reps and overall seamless lending experience. Several reviews highlight specific employees who went above and beyond to assist with applications and resolve issues. Some borrowers confirm that they received funding in less than an hour. Overall, the company is seen as reliable for short-term loans.
However, BBB reviews tell a different story. BBB has consistent reports of poor customer service, difficulty reaching support, unauthorized withdrawals and aggressive collection tactics. Some claim payments were taken even after loan agreements were settled.
If you’re considering borrowing from Cash 4 You, be aware that, while many borrowers have a smooth experience, others have faced frustrations with repayment policies and customer support. It’s a good idea to read the fine print, understand loan terms and compare alternatives before committing.
How long does Cash 4 You take?
Approval and funding times depend on the loan type. Payday loans are approved within 60 minutes during business hours. Funds are available instantly if you’re applying in-store or within another 60 minutes via Interac e-Transfer.
Installment loans offer instant approval, but funding depends on the verification of application details. Funds may not be available the same day.
While Cash 4 You offers fast processing times, delays may occur if additional verification is needed or if an application is submitted outside of business hours.
Cost of a Cash 4 You payday loan vs installment loan
Let’s say an Ontario resident needs to borrow $1,000 and is considering two Cash 4 You online loans: a payday loan and an installment loan.
Payday loan
Installment loan
Loan amount
$1,000
$1,000
Borrowing cost
$14 per $100 borrowed
34.37%
Loan term
14 days
12 months
Payment
$1,140 (one time)
$99.65/month
Total interest paid
$140
$195.79
Total loan cost
$1,140
$1,195.79
If you look only at the dollar amounts, the payday loan seems to be cheaper than the installment loan—even though the payday loan has a much higher APR. This is due to the payday loan’s short term. The installment loan will cost more because it has a 12-month term, but you can pay back the loan in smaller installments, which could be better for your budget.
Eligibility requirements of Cash 4 You loans
Payday loan eligibility
To qualify for a Cash 4 You payday loan, applicants must:
Age & residency: Be at least 18 years old and a resident of Ontario or British Columbia.
Income: Have a steady source of income, such as employment or government benefits.
Banking: Possess an active chequing account for loan transactions.
Credit check: No credit check is required, making these loans accessible to individuals with varying credit histories.
Installment loan eligibility
To qualify for a Cash 4 You installment loan, applicants must:
Age & residency: Be at least 18 years old and a resident of Ontario with government-issued photo ID.
Income: Have a stable income that meets minimum earnings requirements.
Banking: Maintain an active chequing account for funds disbursement and automatic repayments.
Credit check: Undergo a credit assessment; a satisfactory credit history may be necessary for approval.
How to get loans like Cash 4 You
If you’re exploring alternatives to Cash 4 You, consider the following steps:
Research reputable lenders: Look for licensed financial institutions in Canada that offer payday or installment loans. Ensure they have transparent terms and are compliant with provincial regulations.
Compare loan terms: Evaluate interest rates, repayment schedules and fees. Some lenders may offer more favorable terms or flexible repayment options.
Check eligibility criteria: Each lender will have specific requirements. Confirm that you meet their age, residency, income and banking prerequisites before applying.
Apply online or in-person: Many lenders provide online applications for convenience, while others may require in-person visits. Follow the application process as directed, providing accurate and complete information.
Bottom line
Cash 4 You offers accessible financial solutions for Ontario and British Columbia residents who need short-term funds. However, it’s crucial to understand the associated costs, especially with payday loans, which can have high fees and interest rates. Before committing, compare alternatives that may offer lower rates and longer repayment terms to avoid costly borrowing.
Frequently asked questions
You'll receive a decision on your loan as soon as you submit your application. That said, Cash 4 You will only deposit your funds once your application information is verified and you've signed all the required documentation.
You may be able to get approved with bad credit as long as you have enough income coming in and you've held stable employment for several months. You may even be able to get a loan if you've been discharged from a consumer proposal or bankruptcy. Just be prepared. Cash 4 You interest rates will usually be much higher if you have bad credit. Learn more about the best bad credit loans.
Payday loans can be repaid in two ways. You can choose to pay in cash or debit at a Cash 4 You store or have the amount automatically withdrawn from your bank account. Your repayment is due on your next payday, but you may have the option to repay early without penalties.
Installment loans are repaid through regular scheduled payments over time with terms ranging up to 60 months, depending on your loan amount. Payments are typically withdrawn automatically from your bank account.
When applying for installment loans, Cash 4 You requires a hard credit pull, which can impact your credit score. Payday loans don't typically require a credit check, and Cash 4 You advertises that their payday loans are available for those with bad credit.
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To make sure you get accurate and helpful information, this guide has been edited by Stacie Hurst as part of our fact-checking process.
Gabriel Vito is a freelance personal finance writer for Finder. With over four years of experience, he has crafted helpful guides and articles covering various personal finance topics, including credit cards, investing and banking. Gabriel's work has been featured on Yahoo Finance, NASDAQ, GoBankingRates, and more. He has a Bachelor's Degree in English and is passionate about helping others navigate their financial journey. See full bio
Leanne Escobal is a publisher for Finder. She has spent over 12 years working with financial products and services, specializing in content and marketing. Leanne has completed the Canadian securities course (CSC®) as well as the personal lending and mortgages course by the Canadian Securities Institute. She has a Bachelor of Arts (Honours) in English literature and creative writing from Western University. See full bio
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