Published payday loan terms, side by side. Rates reviewed August 2026.
Best for: Ontario borrowers with poor credit who want an instalment loan rather than a payday advance
Apply Now Full profileBest for: Borrowers who need a payday advance in a province where their options are limited
Apply Now Full profile| Cash 4 You | Magical Cash | |
|---|---|---|
| Amount range | $120 – $1,500 | $100 – $1,500 |
| Rate | $14 per $100 borrowed | $14 per $100 borrowed |
| Funding speed | 1 day | 2 days |
| Minimum income | $1,500/month minimum | $2,000/month minimum |
| Income types | 3 income types accepted | 4 income types accepted |
| Minimum credit band | any | any |
| Provinces | 1 provinces | 2 provinces |
