Q. How do I apply for a loan with you ?

You can apply for a payday loan with us safely and easily on our website!

Q. How does your process work?

1. Fill out the application form on web site and you will receive a link to verify your identity and banking information.
2. Accepted or denied notification send to your email.
3. If accepted, you will be given a link to download your Loan Agreement contract!
4. You read the contract it in full, and then agree to it by typing your Electronic Signature to sign the loan.
5. Funds Delivery: Your funds will be sent immediately via Interac E-mail transfer.
6. On your next payday, we will automatically take a payment for the amount of the loan plus the borrowing fee, as specified in your Loan Agreement contract.

Q. How do I reloan?

To apply for a reloan, We will need to see a complete history back to the start of your last loan (or 180 days). We will see your submission and get back to you, usually within 30 minutes if we are open.

Q. My loan was paid back today. When can I apply for a reloan?

You can apply as soon as your online bank statement shows our payment coming out of your bank account. For detailed instructions, see ’’how do I reloan’’.

Q. How much can I borrow on a reloan?

If this is your second loan for us, and your employment / paycheque situation has not changed, then you will be eligible for a loan of the same amount again.Starting with your third loan, you will be eligible to borrow a little more each time. Give us a call or an e-mail to discuss an increase. However, it is our policy to lend you no more than 50% of your total take home paycheque.

Q. Unfortunately, my payment has bounced. What now?

If your payment has bounced, you will start receiving e-mails from us asking you to get in touch with us. Even if these have not arrived yet and you notice the bounced payment in your web banking, you should call us right away. Failure to contact us in a timely fashion will probably result in a NSF charge for you as well as penalty interest. Once we talk to you we can adjust our system not to attempt a payment until an agreed upon date when the money will be in your account.

Q. Can I qualify for a loan if I have a pension?

Yes, CashFirst does offer loans to pensioners. This includes private pensions and CPP.

Q. How much do I need to be making a month in order to qualify for a payday loan?

All applicants must earn a minimum of $1000 a month off of your primary source of income.