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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. 

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

Getting a loan from Cash 4 You is a straightforward process. Start by filling out their online application, which included questions about your employment, income, and basic personal information. If you provide all your details properly, you can get your money the same day in-store. You just have to wait for Cash 4 You to verify your details. Once verified you can go in person to your nearest location to pick up your cash. 

What Documents Do I Need to Apply for an Installment Loan?

At the very least you’ll need a valid government-issued photo ID and proof of income to get approved for an installment loan with Cash 4 You.

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%. Meaning the cost of borrowing $1000 with a 12-month repayment term at an APR of 46.93% would be $268.77.

Frequently Asked Questions

How do I repay my Cash 4 You loan?

Payments will be automatically withdrawn from your bank account. The frequency of payments will be the agreed-upon terms written in the contract.

Can I get a loan from Cash 4 You if I have bad credit?

Yes, you can qualify for a loan despite having bad credit. They look at other factors such as income and your history of payments on other credit products to determine your approval. 

Do I have to provide collateral? 

No, an installment loan with Cash 4 You is unsecured. Meaning you do not have to provide collateral. 

When will I receive my funds from Cash 4 You?

You can receive your funds the same day your application is approved. You simply have to visit one of your local branches to pick it up.

Can I make extra payments to pay off my loan faster?

Yes, you can make extra payments to pay off your loan faster. However, your payment will first go toward paying off the interest accrued and the rest will go toward paying off your principal. Your monthly payments won’t change, but you’ll be on track to pay off your loan early. How much money can I borrow? In general, the amount you can borrow from any lender is impacted by many factors, including your income, credit, and debt levels. Lender’s typically approve loan amounts on case by case basis. It’s important to not take on too much debt, just because you can borrow a certain amount, doesn’t mean you should.

Services & Products

Cash 4 You Offered Services

Installment Loan

Loan Range
$1,000 - $15,000
Interest Rate
46.93%
Terms (Months)
12 - 60
Funding Time
Within 24 hours of approval
Funding Method
In-store pickup
Repayment Options
Automatic debit
Eligibility
Ontario resident 18 years of age or older Steady income Active banking account
Requirements & Documents
Valid government-issued ID  

Reviews

Reviews & Rating

See what others have to say about Cash 4 You

Thanks Steve for all the help.

Louisa was very friendly and went to lengths to get my loan. Would recommend to everybody.

Very accommodating, Maria from Ajax location is knowledgeable and trustworthy.

Jenn at the cash4you location in Pembroke is simply amazing. She is professional, friendly, and tries to do the best she can for her customers. I defi

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