Cost of Borrowing
British Columbia Resident Agreement

Maximum charges permitted in British Columbia for a payday loan:
15% of the principal
We charge: 15% of the principal

For a $300.00 loan for 14 days:
Total cost of borrowing = $45.00
Annual Percentage Rate = 391.07% per year.

This information meets the requirements of the Business Practices and Consumer Protection Act

British Columbia License Number: 82827

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Cost of Borrowing
Ontario Resident Agreement

Maximum charges permitted in Ontario for a payday loan:
15% of the principal
We charge: 15% of the principal

For a $300.00 loan for 14 days:
Total cost of borrowing = $45.00
Annual Percentage Rate = 391.07% per year.

This information meets the requirements of the Business Practices and Consumer Protection Act

Ontario License Number: 4741248

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Online Payday Loan Rates and Terms in Saskatchewan

$17 per $100

Example: For a $300 loan for 14 days
Principal Amount: $300 loan for 14 days
Total Cost of Borrowing: $51
Total to Pay: $351

"This information conforms to the requirements of The Payday Loans Act"

A Payday Loan is a High Cost Loans
A payday loan is a high cost loan. Payday loans are regulated by the Financial and Consumer Affairs Authority of Saskatchewan. For information relating to payday loans you can visit the FCAA website at https://fcaa.gov.sk.ca

Fees and Charges
The following are fees and charges applied on a payday loan:
Loan fee of 17% of the loan principal, payable on the loan repayment date.
NSF charge of $25. for a dishonoured cheque or pre-authorized debits dishonoured. Default interest of 30% per annum will be charged on the outstanding principal balance of the loan, if you fail to pay the loan in full on the loan repayment date.

Rights to cancel payday loan
The borrower shall have the right to cancel the payday loan, without reason or cost, at anytime before the end of the business day following the date that the payday loan agreement was entered into.

To cancel a payday loan agreement. the borrower shall:
  1. Give written notice of the cancellation to Swiftonlinecash.com by use of the Notice of Cancellation form. The cancellation notice must be delivered by email to support@swiftonlinecash.com
  2. Repay to Swiftonlinecash.com by payment method of e-transfer. the amount that was advanced to the borrower under the payday loan. The funds must be e-transferred to Swiftonlinecash.com at support@swiftonlinecash.com.
  3. On the cancellation of a payday loan agreement and receipt of loan repayment, Swiftonlinecash.com will immediatly provide the borrower with a Receipt of Cancellation form the loan agreement respecting the amount the borrower paid or returned to the payday lender on cancelling the payday loan agreement.

    The cancellation of a payday loan agreement extinguishes every liability and obligation of the borrower is under. or related to. the payday loan agreement.
Debt Counselling
If you feel you may benefit from confidential debt counselling. Credit Counselling Canada can be reached by calling toll-free at 1-888-527-8999; by fax at 1-888-520-8008; by e-mail at info@nomoredebts.org or by mail at Suite 124A 1621 Albert Street Regina SK S4R 8G9. You can also visit their website for further information at www.CreditCounsellingCanada.ca.

Forms
Cancellation Receipt Forms

Credit Counselling
Credit Counselling Information

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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%


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FAST LOANS CANADA THE BETTER BORROWING OPTION

Canada’s most accessible loans

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Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
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Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
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Forget the traditional payday loan


We’ve got the better option


Everyone’s had occasion to take out a loan. So, we all know that often some assistance and guidance can be important to getting things back on the rails financially. Swift Online Cash has just what the doctor ordered: loans, customized to your needs, ready to go, when you need them.


Same Day Cash Loans


Whether it's a car repair, doctors' bills, ODSP Payday Loans, or tuition fees, everyone needs a little help from time to time. A quick cash loan from Swift Online Cash gives you easy access to the funds you need.

We want to make online loans as hassle-free as possible. Check out our Education Center to get all the details you need, from budgeting tips to financial term definitions.

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

Credit Score Not Great?

Don’t be discouraged by a poor credit score. What we’re interested in is your ability to repay. Just because things went badly for you in the past doesn’t mean you’re not able to repay 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 repay.

Money that’s minutes away

Residents of Canada 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 Canada area, from Delta to Richmond, Burnaby to West Vancouver, and beyond, 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 Canada. 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 range between $15 to $23 according to the Payday loan legislation of each province:

Province Interest Fees & Transparency Late fee
Alberta $15 per $100 $25
British-Columbia $15 per $100 $20
Manitoba $17 per $100 $20
New Brunswick $15 per $100 $20
Nova-Scotia $17 per $100 $40
Ontario $15 per $100 $25
Saskatchewan $17 per $100 $25
Newfoundland and Labrador $21 per $100 $20

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.

Getting your money
Repaying your loan
Repeat Borrowing
Late Fees
payday loans Canada

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. These come with flexible repayment options. 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 repayment?

We make repayment easy. Once repayment 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 repayment. Other than that, there’s nothing for you to worry about.

No Credit Check | High Approvals

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

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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 repayments.


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 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%

Swift Online Cash, proudly canadian owned and operated, offers personalized payday loans and fast cash advances to thousands of Canadians in Brittish Columbia (Vancouver, Surrey , Burnaby and others), in Alberta ( Calgary , Edmonton , Lethbridge , Red Deer , Wood Buffalo , Medicine Hat , Airdrie , and others), in Saskatchewan ( Saskatoon , Regina and others), in Ontario ( Payday Loans Toronto , Ottawa , Mississauga , Brampton , Hamilton , Markham , Niagara Falls and others), in Nova Scotia ( Halifax , Cape Breton , Dartmouth , Truro , Sydney and others) as well as in Manitoba ( Winnipeg , Dauphin , Morden , Portage La Prairie , Selkirk , The Pas , Winkler , Brandon , Steinbach , Thompson and others). Easy online payday loans in Canada, Same day fast cash Ontario, Online loans British Colombia, Get cash money in Alberta, Payday loan Saskatchewan.

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