THE SHORT TERM HASSLE-FREE LOAN

The funds you need when you need them.

800
Saskatchewan
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Why Choose Swift Online Cash


If you’re worried that your credit score may prevent you from having access to our great short-term loans, don’t tie yourself in knots over that. A credit score is a result of what happened back some time in the past. This is now and if you can pay a loan today why shouldn’t you have the opportunity to deal with the unexpected financial challenges that we all have to cope with from time to time? That’s why we look at the big picture of your financial situation.

1.

Apply immediately

Getting a personal loan has never been easier or faster. We need some personal background info, then just choose your loan amount, then you're good to go.

2.

Know immediately

There's no fuss in the process. You'll be immediately informed if you qualify. All that is left is to sign your electronic contract.

3.

Receive money

Any time, day or night, your loan will be e-transferred to you in just 5 minutes!

Our eligibly requirements are basic.

Swift Online Cash The hassle-free loan option.

Required

  • Are a Canadian citizen or Permanent Resident.
  • Live in a province where we do business.
  • Are 19 years of age or more.
  • Received the same income source for at least 3 months.
  • Have at least a monthly net income of $800.
  • Are in possession of a Canadian bank account for the last 3 months from which you can do online banking.
  • Have valid email and home address, and a mobile phone.

Can I be approved quickly?

Once you’ve filled out your application, our decisions system, with its advanced algorithm, gives you a decision almost instantly.

Most of our customers have their money in the bank the same day. Once you’re approved and you sign your electronic agreement, our e-transfer system has the funds in your bank in 5 minutes.


Is there a borrowing limit?

Currently, we offer loans between $100 and $1,500. Our advanced algorithm helps us identify the loan amount that suits your financial circumstances best.

How Much Income do I Need?

Our minimum monthly requirement is an income of $800. Though a lot of sources, which you might not expect, can be counted toward this total. That includes child tax credits, EI, ODSP benefits and pensions for example. Include such income sources in the Employment Details of your application and you're ready to go.

How about Payments?

We make payments easy. Once a payment day arrives, we will simply debit the amount stipulated in your loan agreement out of the same bank account into which we made the original loan. All you have to do is be sure there are sufficient funds to cover the payment. Other than that, there’s nothing for you to worry about.

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%

No Credit Check | High Approvals

Get Up To $1,500 From a Safe Trusted Licensed Lender. Easy Application. FAST e-Transfer.

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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