Help Contact

Short-term loansfor Canadians,minus the fine print

With CashPicks you apply online for $100 to $1,500 and, once a lender approves you, get the money by Interac e-Transfer. You see the full cost before you sign, in plain language.

Check Eligibility Read our story
Smiling customer support team standing together in an office
Cost shown before you signEvery loan
Why we started

CashPicks started because small loans shouldn't feel like a trap

A vet bill shows up, or the car breaks down the week before payday. Sometimes you just need a few hundred dollars quickly, without a trip to the bank.

Too often, short-term loans come wrapped in confusing fees and terms that take a law degree to read. People end up paying more than they planned, or they don't know what they agreed to until the first payment comes out.

We built CashPicks so a small loan is easy to follow. You fill in one short application, get a clear answer, see the total cost before you sign, and receive the money by e-Transfer once a lender says yes.

If we can't explain the cost in one sentence, it's too complicated.
$1,500The most you can borrow, starting from $100
62Days, the longest you'll have to repay
$14Maximum cost per $100 borrowed, all fees included
$0Fee to apply. We never ask you for money before you get your loan
What we stand for

What you can expect from CashPicks

Plain language

We explain everything in everyday words, so you know the fees and the due date before you sign.

Cost up front

Every loan follows the federal cap of $14 per $100, and your total repayment is on screen from the start.

Fast e-Transfer

Once you sign an approved loan, the money goes out by Interac e-Transfer, often the same business day.

Your privacy

We handle your details under Canadian privacy law, including PIPEDA. We use them only to process your loan request, and we never sell them.

Support agent smiling at her desk, ready to answer questions about CashPicks

What CashPicks looks at, and what it will never do

What lenders look at

  • Your regular income
  • Your recent banking history
  • Whether the repayment fits your budget
  • Your credit, as one part of the picture

Things we won't do

  • Charge a fee before you get your loan
  • Promise approval before anyone reviews your application
  • Encourage back-to-back borrowing
  • Sell your personal information
Licensing and privacy

How CashPicks protects you

Licensed lendingPayday lenders must hold the licence each province requires.
Encrypted applicationYour details travel over a secure, encrypted connection.
PIPEDA compliantPersonal information handled under Canadian privacy law.
Federal cost capNever more than $14 per $100 borrowed, the limit in force since January 1, 2025.

Questions about how it works? Email support@cashpicks.ca or contact our team.

Borrow only for a short gap

A payday loan suits one short-term need. If paying it back would leave you short on rent or groceries, we'd rather you borrow less, or not borrow at all.

If money is tight, free and confidential help is available from Credit Counselling Canada.

Responsible borrowing guide

See if you qualify

The application takes about five minutes, and checking doesn't commit you to anything.

Check Eligibility Try the calculator