e-TRANSFER LOANS · FUNDED IN 2 MINUTES · 24/7

Cash in your account at 3 AM Sunday.

Interac e-Transfer loans are the fastest legal way to move money in Canada. Apply, get approved, and receive funds — 2 minutes average, any time of day, any day of the year. Statutory holidays, weekends, middle of the night — it all works.

2minavg time to funded
24/7including holidays
$1,500max payday-style
Try the speed simulator → Or jump to 9 e-Transfer lenders →
2:47 AM●●●● 📶
YOUR BANK now
✓
$500.00 receivedInterac e-Transfer
Funds available now
LOAN APPROVED 2 min ago
✓ Sending e-Transfer to your bank…
0:00 → 2:00Application to funded
2MIN
24/7EVEN SUNDAY
SPEED COMPARISON · TIME TO FUNDED
⚡
Interac e-Transfer (this page)2 – 30 minutes · 24/7
🏦
Wire transferSame business day · $20-30 fee · in-branch
📤
Bank EFT / direct deposit1 – 3 business days · batch processing
✉
Cheque in the mail3 – 7 business days · hold period after deposit
e-Transfer is 60-100× faster than any traditional alternative for moving money to your account.
★ LIVE SPEED SIMULATOR ★

Press the button. Watch your money fly.

Simulated at 30× speed. Real e-Transfer loans land in your account in about 2 minutes.

$100$750$1,500
📝APPLICATION SUBMITTED
🔍CHECKING ELIGIBILITY
⚡e-TRANSFER SENT
✓FUNDS RECEIVED
📱Press "Send my money" to simulate
LIVE · UPDATING NOW

Real Canadians funded in the last 20 minutes

Anonymized live feed from our partner lenders. Rotates every 3.5 seconds.

✓
$500received via iCash
Jordan T.Toronto, ON
2 min ago
✓
$1,200received via MyCanadaPayday
Sarah K.Vancouver, BC
3 min ago
✓
$800received via GoDay
Mark L.Calgary, AB
5 min ago
✓
$350received via Money Mart
Aaliyah R.Mississauga, ON
7 min ago
9 e-TRANSFER LENDERS

Pick by speed

All licensed in Canada. All offer Interac e-Transfer delivery. Sorted by funding time.

SORT BY
⚡ FASTEST
iCash★★★★★ 4.8 (78,400)
FUNDING SPEED2 min
Hours24/7 · 365 days
Amount$100 – $1,500
Fee$14/$100
⚡ FASTEST
Apply with iCash →
MyCanadaPayday★★★★☆ 4.4 (1,980)
FUNDING SPEED5-15 min
Hours24/7 · automated
Amount$100 – $1,500
Fee$14/$100
★ NEAR-INSTANT
Apply with MyCanadaPayday →
Money Mart★★★★☆ 3.9 (8,421)
FUNDING SPEED10-15 min
HoursDaily 6am-11pm ET
Amount$120 – $1,500
Fee$14/$100
480+ STORES
Apply with Money Mart →
Cash Money★★★★☆ 4 (5,104)
FUNDING SPEED10-20 min
HoursDaily 8am-10pm ET
Amount$100 – $1,500
Fee$14/$100
IN-STORE + ONLINE
Apply with Cash Money →
GoDay★★★★☆ 4.3 (1,420)
FUNDING SPEED15-30 min
Hours24/7 · online
Amount$100 – $1,500
Fee$14/$100
WEEKEND-FRIENDLY
Apply with GoDay →
Captain Cash★★★★☆ 4.2 (580)
FUNDING SPEED15-25 min
HoursDaily · online
Amount$100 – $750
Fee$14/$100
FREE FIRST LOAN
Apply with Captain Cash →
310-LOAN★★★★☆ 4 (920)
FUNDING SPEED20-30 min
Hours24/7 · phone + web
Amount$100 – $1,500
Fee$14/$100
PHONE APPROVAL
Apply with 310-LOAN →
PAY2DAY★★★★★ 4.5 (2,104)
FUNDING SPEED30-60 min
Hours24/7 · online
Amount$100 – $1,500
Fee$14/$100
CASHBACK 1.5%
Apply with PAY2DAY →
FlexiLoans★★★★☆ 4.1 (720)
FUNDING SPEED30-45 min
Hours24/7 · online
Amount$100 – $1,500
Fee$14/$100
FLEXIBLE TERMS
Apply with FlexiLoans →
FEATURE COMPARISON

What each lender does differently

Beyond speed and rate — these are the features that actually separate one lender from another.

Lender
Cashback
Mobile app
In-store
Line of credit
Repeat perks
Soft check
★ 12% CASHBACKiCash
4-12%
✓
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✗
✓
✓
BANK ANALYSISMyCanadaPayday
✗
✗
✗
✗
✓
✓
480+ STORESMoney Mart
✗
✓
✓
✓
✗
✓
$10K LOC OPTIONCash Money
✗
✓
✓
✓
✗
✓
1.5% CASHBACKPAY2DAY
1.5%
✗
✓
✗
✓
✓
24/7 ONLINEGoDay
✗
✗
✗
✗
✓
✓
FIRST LOAN FREECaptain Cash
First free
✗
✗
✗
✗
✓
PHONE APPROVAL310-LOAN
✗
✗
✗
✗
✓
✓
FLEX TERMSFlexiLoans
✗
✗
✗
✗
✗
✓
Quick reads:iCash leads on cashback · Cash Money for LOC option · PAY2DAY for in-store + cashback combo · Captain Cash for a free first loan.
YOUR QUESTIONS

e-Transfer loans — straight answers

RELATED ROUTES

If you need a different product

PAYDAY LOANS

Full payday loan guide

Provincial rates, your rights, licensed lenders.

→INSTALLMENT

Bigger loans, longer terms

$500-$50k · 6-60 months · 9.99-34.99% APR.

→BAD CREDIT

Building credit? See your options

9 lenders that approve below 600.

→LINE OF CREDIT

Reusable credit at 4.95%+ APR

Only pay interest on what you draw.

→