💳 Your funds are sent by Interac FREE, with no extra charges.

Fast, secure, and tailored for you

Your perfect cash boost, just when you need it

Unexpected expenses? We got you covered with quick, hassle-free loan options designed to fit your needs. Simple, transparent, and tailored to help you move forward with confidence.

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Compatible with major Canadian financial institutions.
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Instant Loan,

Interac transfer

100% FREE

Apply for your Loan now and receive your funds the same day.

Eligibility Criteria to Get a Loan

You are not eligible for a loan if:

Get it Fast

Cash advance at hand

No waiting, no hassle, instant access to cash. Apply Now!

Apply online

You can apply for a loan from everywhere. Simply choose how much you would like to get and fill out a quick and easy online form.

Express approval

With our automated process, receive an instant decision on your loan application without having to wait.

Funds transfer

Easy automatic deposit system. That way, you get your money as fast as possible !

About us

The simple, fast, and advantageous financial solution

When a financial emergency arrives and you need money quickly, you can count on Alter Cash to get a loan approved for up to $1,500$ in minutes. Our instant online loans are the most convenient way to get money when you need it.

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Customize your instant loan

Select the amount you wish to borrow

Select a payment frequency:

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Your Loan

$

0

Interest Rate

0%

Payment Amount

$

0

Terms

0 months

Number of Payments

0

* The following examples are for guidance only and may vary slightly.

A valuable experience
is behind every review

Ratings and customer reviews for Alter Cash services
Emily

    I had no problem with them. They respond very quickly and everything with the transfer and payment went smoothly.

    Emily

    Granby

    Tom

      Very helpful and fast responding agent, get the money 4 hours after my application!

      Tom

      Quebec

      Sophia

        Alter Cash permit me to pay my bills on time! Thanks!

        Sophia

        Montreal

        Get an instant loan today!

        The simplest method
        for online money borrowing

        Take control of your finances. Get a fast loan from anywhere in Canada in just a few minutes.

        Annual Interest Rate (APR)

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        What's new on Alter Cash?

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        Frequently asked questions

        Frequently asked questions about online loans

        Get the funds you need
        quick, easy, and hassle-free

        LEGAL AND INFORMATIONAL CONTENT

        What Is the Maximum Annual Percentage Rate (APR)?

        We apply a maximum Annual Percentage Rate (APR) of 24%, in compliance with applicable Canadian lending laws. This rate includes all service fees associated with your loan. A one-time transaction fee of $0.95 also applies when your loan is issued.

        Representative Example of Total Cost of Credit

        If the loan amount is $250 CAD and the interest rate is 24% per year with repayment over 120 days (16 weeks), the total cost is calculated as follows:

        Amount Borrowed: $250.00
        Transaction Fee: $0.95
        Interest (24% APR over 120 days): $137.05
        Total Amount Repayable: $388.00
        Payment Schedule: 4 payments of $97.00 each, paid bi-weekly over 120 days.

        This example is for illustrative purposes only. Your actual terms may vary based on your application, the amount borrowed, and the repayment period chosen. All fees are disclosed upfront before you accept your loan.

        Minimum and Maximum Repayment Period

        We will determine your minimum payment together after verifying your repayment capacity and
        the duration over which you wish to make your payments.

        Our payments are flexible and can be repaid over a minimum period of 61 days and a maximum of
        120 days (16 weeks). Payment frequency can be bi-weekly or monthly.

        Minimum Loan Amount: $250
        Maximum Loan Amount: $1,500
        You may also make an early repayment, in full or in part, at any time without penalty..

        Exercise Caution

        We encourage you to borrow responsibly. While we offer an excellent way to help you in times of
        need, our loans are designed as short-term solutions and should not replace long-term financial
        planning.

        Use our services only when no other option is available. Taking out too many short-term loans
        simultaneously could lead to serious financial problems and excessive debt.

        Credit Score and Financial Support

        At Alter Cash, we do not base our decision on your credit score. Instead, we evaluate your
        repayment capacity based on your income and banking history.
        If a particular situation arises during your loan, we are here to help you with your payment issues. Contact us immediately if you are experiencing difficulty making your payments so we can explore available options together.

        Responsible Lending

        Applications are subject to our verification process to ensure the borrower has sufficient income to repay. This includes, but is not limited to:

        • Be 18 years of age or older at the time of application.
        • Having a regular monthly income and being paid by direct deposit.
        • Being a Canadian citizen and holding a Canadian bank account.
        • Having worked for at least three months with regular payments.
        • Not being bankrupt or on the verge of declaring bankruptcy.
        • Having a good banking history without returned payments.

        If you do not meet these criteria, your loan application may be declined.

        Consequences of Non-Payment

        Failure to make payments on time can result in serious consequences:

        • NSF Fee (Non-Sufficient Funds): $50.00 if a payment is returned due to insufficient funds in your account.
        • Collection Actions: Your account may be sent to a collection agency.
        • Negative Credit Reporting: Late or missed payments may be reported to credit bureaus, affecting your credit score.
        • Legal Action: In severe cases, legal action may be taken to recover the debt.
        • Additional Interest: Interest continues to accrue on unpaid balances.

        If you are having difficulty making payments, please contact us immediately to discuss available options.