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Make the best choice for your financial situation.

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Saskatchewan
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WHAT'S THE BEST LOAN FOR YOU?

Everyone’s financial challenges are a little unique to them. Including yours!.

CONSIDER YOUR OPTIONS

There are a lot of borrowing options out there. Don’t hesitate to ask important questions. You have to find out how reliable a lender is going to be. Choose a company with which you feel comfortable and confident.

WHAT CAN YOU REALLY AFFORD?

A loan can be a big help in times of trouble. But overextending yourself can actually make things worse. Don’t bite off more than you can chew. Make sure your loan is an amount you’ll be able to pay.

UNDERSTAND YOUR FEE OBLIGATIONS

Not every lender out there is as transparent as Swift Online Cash. Some have hidden fees. Some will even apply a surcharge for early payment Make sure you understand your fee obligations before you sign for your loan.

OPT FOR FLEXIBILITY

The arrangement that best suits you is the one closest tailored to your specific situation. That requires flexibility in the borrowing agreement. Are there additional charges hidden in the agreement? Will you get dinged for an early payments?

OPT FOR TRANSPARENCY

Conscientious and responsible lenders are transparent about their agreements, conditions, limits and fees. Before you take a loan with any company, makes sure they provide all the relevant information in a clear and easy to understand way.

WATCH OUT FOR FRAUD

Not all online lenders are completely ethical or even honest. In their way, it is buyer beware. Don’t fall victim to the scammer’s trap.

Swift Online Cash is rocketing to the top
in the PayDay loan industry.
Here are 5 reasons why we’re Saskatchewan’s choice:

Credit Score Not Great?

Don’t be discouraged by a poor credit score. What we’re interested in is your ability to pay. Just because things went badly for you in the past doesn’t mean you’re not able to pay today. We use our advanced algorithm to take in the whole financial picture of your situation. But of course, we don’t want to contribute to making your situation worse, so our Code of Conduct directs us to never loan you any money we don’t think you’ll be able to pay.

Money that’s minutes away

Residents of Saskatchewan and the larger metropolitan area will be amazed at how efficiently we have down the short-term loan process. In the great majority of cases, your loan will be available in just minutes. We have a leading-edge approvals system that you can use from the comfort of your home.

No document fatigue

We know other companies require you to document your whole life. No need to worry about that with us. We won’t ask for faxes or letters, nor will we require you to come into our office to sign any documents. It’s all streamlined online for your convenience.

Completely transparent

Our Code of Conduct assures you’ll experience the most ethical, responsible and transparent loan experience possible. Everything is clearly explained, and your questions are answered when you ask them. Everything you need to pay is explained up front and transparently. Our job is to make your life easier.

Safe and secure

Of course, we require some personal information to assess your application, but you can be rest assured, that your information is safe with our top of the line industry encryption technology. Wherever you live in the Saskatchewan area, this is the safest, easiest, most transparent loan process you’ve seen.

We appreciate the encouraging response to our innovative loan business model from our clients in Saskatchewan. Look forward to more great short-term loan opportunities as we work to make your financial life easier and happier.

Interest fees & transparency

Managing your loan
Interest fees & transparency

Interest Fees and Transparency

The cost of borrowing is calculated as a percentage of the amount borrowed and the range is between $15 to $21 according to the Payday loan legislation of each province:

Province Interest Fees & Transparency NSF fee
Alberta $15 per $100 $25
British Columbia $15 per $100 $20
Manitoba $17 per $100 $5
Newfoundland & Labrador $21 per $100 $20
Nova Scotia $19 per $100 $40
Ontario $15 per $100 $25
Prince Edward Island $15 per $100 $48
Saskatchewan $17 per $100 $25 NSF Fee Only

When you take a cash advance loan with Swift Online Cash, you are always in complete control of how much money you will owe and there are no surprises nor hidden fees. Before signing your loan agreement, we will give you a breakdown of all the costs involved in your loan so you will be able to make an informed decision.

Annual Percentage Rate (APR) is calculated on amount borrowed and the days needed.

We follow the strict guidelines and lending procedures set out by each province.

By law, we clearly show the APR to our customers so they can make an informed decision.

Getting your money
Paying your loan
Repeat Borrowing
NSF Fees

Maximum payment period 62 Days.

Maximum charges permitted in British Columbia for payday loan: 15% of the principal.
We charge: 15% of the principal. For a $300 loan for 14 days:
Total cost for borrowing = $45 Annual Percentage rate = 391.07%

Maximum charges permitted in Saskatchewan for payday loan: 17% of the principal.
We charge: 17% of the principal. For a $300 loan for 14 days:
Total cost for borrowing = $51 Annual Percentage rate = 443.21%

We do things differently

Swift Online Cash is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people’s lives.

Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we’re there to help.

Bad credit isn’t a deal breaker

If you’re worried about having bad credit, don’t let that stop you. It’s not the only criteria. We’re much more interested in your ability to make your payments.


Don’t worry about documents

It’s an easy, real-time, streamlined process. We’ve already got the necessary evaluation tools. We don’t need all those pieces of paper.

Your pre-approval is minutes away

Any time of day, any day of the year, our fully automated decision system is ready to help you identify the best loan option to meet your needs. There’s no stressful waiting for an answer. Every application is reviewed and answered in just minutes.


Transparent costs

We want you to make the best informed judgment for your situation. All our fees are fully transparent and explained. Plus, we’ll answer your questions and provide you the financial planning tools that you need to make the smart choice.

Maximum charges permitted in Saskatchewan for payday loan: 17% of the principal. We charge: 17% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $51 Annual Percentage rate = 443.21%

Swift Online Cash, proudly canadian owned and operated, offers personalized payday loans online and fast cash advances to thousands of Canadians in Saskatchewan, in Ontario, in Nova Scotia as well as in Manitoba.

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