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Find A LenderCash 4 You: Overview
Cash 4 You is a lender that has been serving Canadians since 2001. It offers installment loans of $500 to $20,000 in Ontario, and payday loans of up to $1,500 in Ontario and British Columbia, through its stores and online.
It is one of the few lenders in this category you can still deal with face to face. Cash 4 You has stores across Ontario, so you can apply online or walk into a branch, whichever you prefer.
In Canada it operates under the legal name Cash 4 You Corp., from Cambridge, Ontario. That is the name to search if you want to look up its licensing yourself.
Are You The Right Borrower For Cash 4 You?
A loan from Cash 4 You could be a good fit for you if:
- Your credit is not perfect. Cash 4 You lends to people a bank would decline, and checking what you are pre-approved for is only a soft credit check.
- You want to deal with someone in person. There are stores across Ontario, so you can sit down with a staff member instead of filling in a form on your own.
- You want the loan to count for something. Installment loan payments are reported to a credit bureau, so paying on time can help your credit over the term.
- You need more than a few hundred dollars. Installment loans run up to $20,000 and as long as 84 months, which is far beyond what a payday loan can do.
What We Verified
Before we write about a lender, we run it through the same set of checks, so you can see the basics without having to dig through a company’s website yourself.
What We Verified
Last checked 5 Oct 2026What They Offer
Cash 4 You offers two loans, and which one you can get depends on where you live. Installment loans are Ontario only. Payday loans are available in Ontario and British Columbia.
Installment Loan
A fixed term loan repaid in instalments, with no collateral required and no prepayment penalty. Payments are reported to a credit bureau.
$500 to $20,000
6 to 84 months, up to 34.37% APR
Payday Loan
A short term loan against your next paycheque, repaid in full on payday. Walk into a store and you leave with the money in hand, and repayment is taken on your next payday.
Up to $1,500
$14 per $100 borrowed
Loan Features
- CreditBoost – When you take an installment loan, your payments are reported to a major credit bureau. Paying on time over the term builds a record of on time payments, which is what a credit score is mostly made of.
- A Soft Check To Start – Seeing what you are pre-approved for only triggers a soft credit check, so looking does not cost you points. A hard inquiry may follow if you accept the loan.
- No Fees Beyond The Interest – No origination fee, no closing cost, no add on insurance charge and no prepayment penalty. The APR is the cost.
- Stores You Can Walk Into – Cash 4 You has stores across Ontario, which is rare in a market that has moved almost entirely online.
- A Loan Protection Plan – Offered at branches alongside the loans. Ask what it covers and what it costs before you add it.
What A Cash 4 You Loan Costs
The two products are priced completely differently, so they are worth looking at separately.
Installment Loans
| You borrow | Over | Monthly payment | Cost of borrowing | Total you repay |
|---|---|---|---|---|
| $1,000 | 12 months | $99.67 | $196.02 | $1,196.02 |
Payday Loans
| Province | You borrow | Cost of borrowing | You repay | Over | APR |
|---|---|---|---|---|---|
| Ontario | $500 | $70 | $570 | 14 days | 365% |
| British Columbia | $300 | $42 | $342 | 14 days | 365% |
Who Qualifies
| Requirement | What Cash 4 You asks for |
|---|---|
| Credit score | No minimum published. Cash 4 You says your credit report is not the only variable it considers. A soft check to see your pre-approved amount, with a hard inquiry possible if you accept |
| Past bankruptcy | Considered, if the bankruptcy has been discharged |
| Collateral | None. The installment loan is unsecured |
| Age | 18 or older |
| Residency | An Ontario resident for an installment loan. Ontario or British Columbia for a payday loan |
| Income, installment loan | A steady source of income |
| Income, payday loan | Employed, earning at least $250 per net pay |
| Bank account | An active bank account that you use |
| Documents | Valid government issued photo identification, and information to verify your income |
| Loan size | $500 to $20,000 for an installment loan, up to $1,500 for a payday loan |
| Availability | Installment loans in Ontario. Payday loans in Ontario and British Columbia |
| How you apply | Online or in store |
Loan amounts are set on your income, your credit and identity verification, so the amount you are offered may be less than the amount you ask for.
How To Apply
You can apply online or in a store. Online, the application runs in three stages, and you create an account before you get to the questions about your money.
Repay over time.
Fast and easy application.
- Government issued photo identification
- Proof of income
Once you are approved and the agreement is signed, you choose how to receive the money, either by Interac e-Transfer or direct deposit to your bank account.
Where Cash 4 You Is Licensed
Where To Find A Cash 4 You Store
Cash 4 You has 76 stores, all of them in Ontario. Hours and the services offered vary by branch, so it is worth checking the store locator before you travel.
Greater Toronto Area 31 stores
Toronto 588 Yonge St · 1000 Gerrard St. E, Unit C18 · 2561 St. Clair Ave W, Unit B3 · 2763 Danforth Ave · 1901 Ellesmere Rd, Unit A
Scarborough 3011 Sheppard Ave E · 1921 Eglinton Ave E, Unit 8F · 4410 Kingston Rd
North York 1101 Finch Ave W, Unit 7 · 1542 Jane St, Unit 2
Mississauga 3647A Dixie Rd · 2515 Hurontario St, Unit 105 · 93 Dundas St E, Unit 3
Brampton 244 Queen St E · 17 Ray Lawson Blvd, Unit 6 · 10015 Hurontario St · 2880 Queen St E, Unit 6
Oshawa 1208 Simcoe St N · 333B King St W
Ajax 85 Kingston Rd E, Unit 10 Pickering 1550 Kingston Rd, Unit 52 Bowmanville 258 King St E
Markham 5703 Highway 7 E Newmarket 93 Davis Dr Milton 390 Ontario St N, Unit 2
Oakville 136 Speers Rd Burlington 3300 Fairview St, Unit 4 Georgetown 184 Guelph St
Orangeville 210 Broadway, Unit 101 Barrie 636 Yonge St Orillia 180 Mississaga St E
Southwestern Ontario 27 stores
Hamilton 858 Upper James St · 1116 Barton St E · 478 King St E, Unit 2 · 701 Queenston Rd
London 1630 Dundas St · 1332 Huron St, Unit 2 · 169 Wharncliffe Rd S · 387 Wellington Rd, Unit 18A
Windsor 2385 Tecumseh Rd W, Unit 3 · 2726 Howard Ave · 7755 Tecumseh Rd E, Unit 104
Kitchener 3101 Kingsway Dr, Unit E · 465 Highland Rd W, Unit 2 Cambridge 250 Dundas St S, Unit 10 · 560 Hespeler Rd, Unit 2
Guelph 360 Speedvale Ave E, Unit 11 Brantford 63 Brant Ave, Unit C Woodstock 576 Dundas St
St. Catharines 120 Welland Ave, Unit 14 Niagara Falls 5846 Drummond Rd, Unit 5 Welland 301 Thorold Rd, Unit 6
Fort Erie 401C Garrison Rd Stratford 726 Ontario St St. Thomas 877 Talbot St, Unit 4
Sarnia 1273 London Rd, Unit 2 Chatham 425 St. Clair St, Unit 5 Owen Sound 925 16th St E, Unit 5
Eastern Ontario 13 stores
Ottawa 1400 Bank St · 1020 St. Laurent Blvd · 1600 Merivale Rd
Kanata 444 Hazeldean Rd, Unit 4 Orleans 2160 St. Joseph Blvd Kingston 1677 Bath Rd, Unit A
Brockville 2539F Parkedale Ave Cornwall 837 Pitt St, Unit 3B Pembroke 779 Pembroke St E
Belleville 346 North Front St Trenton 257 Dundas St E Peterborough 824 Lansdowne St W Lindsay 370 Kent St W, Unit 21
Northern Ontario 5 stores
Sudbury 49 Durham St North Bay 2012 Cassells St Sault Ste. Marie 154 Great Northern Rd, Unit 6
Thunder Bay 947A Memorial Ave Timmins 989B Riverside Dr
Every store is in Ontario, which matters for the installment loan. Installment loans are offered to Ontario residents only, so if you live in British Columbia the payday loan is the only Cash 4 You product available to you, and it is applied for online.
Note
Cash 4 You warns that scammers are using its name. Its own website tells customers to use only the branch phone numbers listed on its store locator. If someone contacts you claiming to be Cash 4 You from a number you cannot find there, treat it as suspect.
What Customers Say
The two sources disagree sharply, and both are worth your time.
Claimed since November 2017, paid subscription. One of the largest review counts of any Canadian lender.
The lowest rating the BBB issues, and not accredited. One complaint went unanswered and three were not resolved.
Cash 4 You Pros
- Bad Credit May Be Accepted: If your credit score is under 560, you may still qualify with Cash 4 You. They say your credit report is not the only thing they look at, and they will consider you if a past bankruptcy has been discharged.
- Checking Will Not Hurt Your Score: Seeing what you are pre-approved for is only a soft credit check, so you can find out where you stand without it costing you points. A hard inquiry only happens if you accept the loan.
- Your Payments Can Build Your Credit: Through CreditBoost, your installment loan payments are reported to a major credit bureau. Pay on time and you are building a record of on time payments, which is the single biggest factor in your credit score.
- No Extra Fees On Top Of The Interest: There is no origination fee, no closing cost and no penalty for paying your loan off early. What you see in the interest rate is what the loan costs you.
- You Can Talk To Someone In Person: With 76 stores across Ontario, you can sit down with a person rather than filling in a form and hoping. Almost no online lender gives you that option.
- Up To Seven Years To Repay: Terms run as long as 84 months, so a larger loan can be spread into payments that actually fit your budget.
- Thousands Of Customers Rate Them Highly: Cash 4 You holds a 4.9 out of 5 on Trustpilot from more than 25,000 reviews, which is one of the largest review counts of any lender in Canada.
- They Have Been Around A Long Time: Cash 4 You has been lending since 2001, so this is a 25 year old business rather than a new name you have never heard of.
Cash 4 You Cons
- A Poor Record With The Better Business Bureau: Cash 4 You holds an F, the lowest rating the BBB gives, and is not accredited with them. One complaint went unanswered and three more were not resolved. Worth reading those complaints yourself before you apply.
- The Interest Rate Is High: At up to 34.37%, an installment loan from Cash 4 You costs far more than a bank or credit union would charge, and sits just under the legal maximum for this kind of lender in Canada. If your credit is good enough for a bank, you will do better there.
- The Payday Loan Is Very Expensive: At $14 per $100 borrowed, a payday loan works out to 365% a year. Borrowing $500 for two weeks costs you $70. Treat it as a last resort rather than a convenience.
- Installment Loans Are Ontario Only: If you live in British Columbia, the payday loan is the only product open to you. Everywhere else in Canada, neither is available.
- Paying Early Will Not Save You Interest: There is no penalty for clearing your loan ahead of schedule, but Cash 4 You says paying early does not reduce your finance charge. You get out of the loan sooner, you just do not pay less for it.
- A Longer Term Means More Interest: Stretching a loan over 84 months lowers your monthly payment, which is tempting, but you pay considerably more interest overall. Take the shortest term you can comfortably afford.
How Cash 4 You Compares To Money Mart
| Cash 4 You | Money Mart | |
|---|---|---|
| Installment loan amount | $500 to $20,000 | $500 to $25,000 |
| Installment loan rate | Up to 34.37% APR | 34.56% to 34.95% APR, depending on payment frequency |
| Installment loan term | 6 to 84 months | 6 to 84 months |
| Installment loan availability | Ontario only | Most provinces |
| Payday loan amount | Up to $1,500 | $100 to $1,500, branded Payday Boost |
| Payday loan cost | $14 per $100 borrowed | $14 per $100 borrowed |
| Payday loan availability | Ontario and British Columbia | Alberta, British Columbia, Saskatchewan, Manitoba, Ontario, Nova Scotia, and Newfoundland and Labrador. Not New Brunswick or Quebec |
| Branches | 76, all in Ontario | Branches across Canada |
| Credit check | Soft check to see your pre-approved amount, hard inquiry if you accept | Yes, a credit check forms part of eligibility |
| Funding | Interac e-Transfer or direct deposit on an installment loan. Cash in hand on a payday loan taken in store | In branch, funding notice typically within two hours. Online, typically within 24 hours on weekdays |
How We Reviewed Cash 4 You
This review draws on the information Cash 4 You publishes about itself, together with publicly available sources. Every lender in our directory goes through the same eleven point verification check, and you can read about how that works on our review methodology page.
