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Who is Cash 4 You?
If you’re an Ontario resident looking for an easy and quick personal loan, the Cash 4 You lending chain is worth checking out. Cash 4 You is a licensed lender with over 100 physical locations across Ontario. They are a great option for Ontario residents dealing with unexpected expenses or even those who want to make a large purchase.
Looking to improve your credit score? Your loan payments can help you work toward a healthier credit history. Cash 4 You has helped millions of Ontarians with their financial needs through customized financing solutions, they currently offer the following services:
- Installment loans
- Payday Loans
- Cheque Cashing
- Western Union transfers
Their core value is bringing happiness to their customers by providing solutions that will “wow” them.
Our Verdict
| Who Cash 4 You Is Best For | Consumers who: – Live in Ontario or BC – Need quick loan approval – Want a hassle-free way to get a loan – Have bad credit |
| What We Like About Cash 4 You | – Quick and easy loan application process – Fast loan approval & funding – No collateral required – Early prepayments allowed with no penalty – Over 20 years in business |
| What We Don’t Like About Cash 4 You | – Only available to residents of Ontario & BC – High-interest rates |
What Does Cash 4 You Offer?
Cash 4 You offers a few financial products:
Installment Loans
Cash 4 You installment loans range from $1,000 to $15,000. Loan terms range from 12 to 60 months, and if you choose to repay your loan early, there are no prepayment penalty fees to worry about. You can get approved within minutes even with bad credit, and access to funds is available within 24 hours to be used to cover any expense.
Funds must be picked up in person at one of over 100 Cash 4 You stores in Ontario.
Payday Loans
If you need a smaller amount of money quickly to cover an urgent expense, a payday loan from Cash 4 You can help. You can borrow up to $1,500, and repayment is due by the time you get your next paycheque.
There’s no credit check required, so bad credit is accepted. Funds can be picked up in-store, or transferred via Interac e-Transfer. Payday loans are available in Ontario and BC.
Cheque Cashing
Cash 4 You also offers other services, including cheque cashing. Bring in your paycheque, government cheque, bank draft, or other type of cheque in any amount, and get cashed on the spot. No bank account is required, and no holds are ever placed on the funds.
myCreditBoost
When you take out an installment loan from Cash 4 You, you can take advantage of the myCreditBoost feature that allows you to build and improve your credit score with every timely payment you make. Cash 4 You will work with you to come up with a personalized and flexible repayment plan that fits your financial situation to ensure that you can easily make your loan payments on time.
Cash 4 You will report your loan payments to a major credit bureau. Your credit report will be updated to reflect these timely payments, which will help build healthy credit over time.
Wire Transfers
Send money to anyone in any part of the world via wire transfer using the Western Union network. Visit any Cash 4 You store to send money by debit card or cash, then track the status of your transfer to make sure it reaches its destination.
| Installment Loans | Payday Loans | |
| Loan Amounts | Up to $15,000 | Up to $1,500 |
| Rates | 46.93% | $15 per $100 borrowed |
| Availability | Ontario | Ontario & BC |
| Rates/Fees | 46.93% APR | $15 per $100 borrowed |
| Loan Terms | 12 – 60 months | Full payment due by next paycheque |
| Funding time | Within 24 hours of approval | Within 24 hours of approval |
How To Qualify For An Installment Loan
In order to qualify for an installment loan, you’ll need to meet these basic requirements:
- You must be a resident of Ontario
- You must be 18+ years old
- You must have a steady income
- You must have a bank account that is open and used by you
How To Apply For A Loan With Cash 4 You
Applying for an installment or payday loan with Cash 4 You is quick and easy. Whether you apply online or in person, you can start and finish the process within a few minutes. Follow these steps to apply for a Cash 4 You loan:
1: Choose the type of loan you want (installment or payday) and the amount you want to borrow
2: Choose your province.
3: If you choose a payday loan, Cash 4 You will first provide details about how much your loan will cost you before you proceed. If you’re comfortable with the fees and terms, you can click “Go” to move on to the next step.
4: Create your account by providing your personal information, including the following:
- Full name
- Email address
- Choose a password
You’ll need to supply Cash 4 You with the following documents as part of your application process:
- A valid government-issued photo ID
- Proof of income
5: Provide your income information. To get approved for a loan, you’ll need to meet the following criteria:
- Be at least 18 years old
- Be employed
- Make at least $250 per net pay
- Have an active bank account
6: Wait for approval. Once you’re approved, you can get your funds. For installment loans, you must pick up your funds in person. Payday loan funds may be picked up in-store or received via Interac e-Transfer.
Where Can I Find A Cash 4 You Near Me?
Cash 4 You has over 100 stores across Ontario, including in the following cities:
| Location | Address |
| Toronto | 529 Yonge St., Toronto, ON M4Y 1Y5- 1706 Eglinton Ave W, Toronto, ON M6E 2H5 |
| Mississauga | 3647 A Dixie Road, Mississauga, ON L4Y 2B3 |
| Niagara Falls | 5846 Drummond Road #5, Niagara Falls, ON L2G 4L5 |
| Windsor | 597 Wyandotte Street East, Windsor, ON N9A 3J1 |
| Newmarket | 93 Davis Drive, Newmarket, ON, L3Y 2M9 |
| Sault Ste. Marie | 154 Great Northern Rd Unit 6, Sault Ste. Marie, ON P6B 4Z1 |
| Thunder Bay | 947 A Memorial Ave, Thunder Bay, ON P7B 4A1 |
| Timmins | 989B Riverside Drive, Timmins, ON P4N 3W4 |
| Kingston | 185 Division Street, Kingston, ON K7K 3Y9 |
| Ottawa | 379 Dalhousie Street, Ottawa, ON K1N 9L3 |
Benefits Of Choosing Cash 4 You
When trying to decide which lender to borrow money from, it’s important to look at what differentiates the lenders. At Cash 4 You, there are a number of reasons you may choose them.
- Hassle-free cash of up to $15,000
- Customized solutions, so no matter what financial situation you may be in, there’s a solution for you.
- Over 100 locations across Ontario that you can visit.
- No origination fees, closing costs, add-on insurance fees or prepayment penalties.
- Online and in-person application options.
- On-time payments can help build your credit
What Fees Are Associated With A Cash 4 You Loan?
Since there are no origination fees, closing costs, costly add-on insurance fees, or prepayment penalties, the main cost of an Installment Loan is the APR and repayment period of the loan. The APR for an installment loan is 46.93%. This means the cost of borrowing $1000 with a 12-month repayment term at an APR of 46.93% would be $268.77.
Is Cash 4 You Safe?
Yes, Cash 4 You promises a safe and secure platform to apply for a loan and takes the protection of your personal information seriously. Cash 4 You is a fully licensed lender and is recognized by the Canadian Consumer Finance Association.
The lender has adopted a stringent protocol when it comes to collecting and storing information, online privacy and internet safety. An appointed Privacy Officer is responsible for overseeing privacy daily. Only necessary information will be collected, and no data will be distributed without your explicit consent.
What Do Consumers Think Of Cash 4 You?
| Better Business Bureau (BBB) | F (not BBB accredited) |
| Google Rating | N/A |
| Trust Pilot | 4.9/5 stars |
| Social Media Presence | – Instagram: 130 followers – Twitter: 23 followers – LinkedIn: 729 followers |
How Does Cash 4 You Compare To Money Mart?
| Cash 4 You | Money Mart | |
| Loan Amounts | – Installment loans: Up to $15,000 – Payday loans: Up to $1,500 | – Installment loans: $500 – $15,000- Cash advances: $120 – $1,500 |
| Physical Locations? | Yes (100+ stores) | Yes (500+ stores) |
| Loan Types | – Installment loans – Payday loans | – Installment loans – Cash advance loans – Small business loans |
| Interest Rates | – Installment loans: 46.93% – Payday loans: $15 per $100 borrowed | – Installment loans: 29.9% or 46.9% – Cash advances: $15 – $21 per $100 borrowed |
| Funding time | Within 24 hours of approval | Within 24 hours of approval |
| Loan Terms | – Installment loans: 12 – 60 months – Payday loans: Full payment due by next paycheque | – Installment loans: 6 – 60 months – Cash advance: Full payment due by next paycheque |
