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Cash 4 You Reviews, Ratings And Fees 2020

Based on 26
Customer Reviews
  • Monday to Friday 9 am - 9 pm
  • Saturday 9 am - 5 pm 
  • Sunday 10 am - 5 pm

Who Is Cash 4 You

If you’re an Ontario resident looking for an easy source of quick financing, the Cash 4 You lending chain might be worth checking out. Cash 4 You is an established finance company in Canada since 2001. They are a licensed lender and have 100+ physical locations across Ontario. They have helped millions of Ontarians with their financial needs through customized financing solutions. The 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. 

Do I Qualify For an Installment Loan With Cash 4 You?

In order to qualify for an installment loan with Cash 4 You, 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

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

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

How Do I Apply? 

Getting a loan from Cash 4 You is a simple process. Simply fill out an application online regarding some personal and income-related information. If you provide all your details properly, you 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 local Cash 4 You to pick up your cash. 

Benefits of Choosing Cash 4 You

When trying to decide which lender to borrow money, it’s important to look at what differentiates the lenders. At Cash 4 You, there are a number of reasons you may choose them.

  • They provide hassle-free cash of up to $15,000
  • Excellent credit is not a requirement. Cash 4 You provides customized solutions, so no matter what financial situation you may be in, there’s a solution for you.
  • Unlike online lenders, Cash 4 You have 100+ locations across Ontario that you can visit.
  • Cash 4 You prides itself on providing its clients with clear terms and conditions. They claim to have no origination fees, closing costs, add-on insurance fees or prepayment penalties.
  • Cash 4 You is convenient. They provide the best of both worlds with its online and in-person application options. It gives applicants the opportunity to choose whichever method feels the safest and most comfortable to them. 
  • When you take out an installment loan from Cash 4 You, your on-time payments will 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. At Cash 4 You 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.

Cash 4 You FAQs

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 may still qualify for a loan with Cash 4 You despite having bad credit. Cash 4 You looks 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 Cash 4 You 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 then rest would go toward paying off your principal. Your monthly payments won’t change, but you’ll be on track to pay off your loan early. 

Offered Services

scroll table
Loan Range
Rate & Terms
Product Details
Requirements & Documents

Installment Loan

$1,000 - $15,000
Interest Rate
Term (Months)
12 - 60
Funding Time
Within 24 hours of approval
Funding Method
In-store pickup
Repayment Options
Automatic debit 
Ontario resident 18 years of age or older Steady income Active banking accountValid government-issued ID  

Reviews & Ratings

Is Cash 4 You legit or a scam? See what others have to say.

I was looking for another Payday Loan to borrow money from and I came across Cash4you at Eglinton Ave. E. And Brimley Rd. It’s a great place: bi... read more

- Elham Yaesubi (October 29, 2020)

1 star! After being an excellent client for more than a year they had the audacity to impose that I had to redo my file and give my references #s agai... read more

- Stanley (October 27, 2020)

My work pay schedule has changed for direct deposit every biweekly on Saturday their still taking payments out of my account on Thursday biweekly we h... read more

- Wayne Aitcheson (October 16, 2020)

They pre approved me for $3500 then refused at the store because I was on employment insurance.

- Saddat mahmud (October 14, 2020)

Stacey at 2385 Tecumseh rd. Stacey was fast kind professional, in out of the store in no time outstanding service from her awesome employee.

- ed (October 13, 2020)

Thanks, Mansa from 665 Plains Rd, Burlington, for your efficient and kind way of dealing with my case! I appreciate your help!!!

- Alicia (September 30, 2020)

I went to the store on Younge St and dealt with Lisa, she was absolutely fantastic. She was very friendly and helpful, she made the whole process very... read more

- Kimberley Gallant (September 30, 2020)

Absolutely fantastic! Trixie at the Ontario street location was amazing! Always so helpful. Very friendly and prompt service! Always willing to accoma... read more

- Jamie (September 14, 2020)

Run as fast as you can from this Company. They will turn you down for an installment loan saying you have high debt ratio but offer you a payday loan ... read more

- Nancy G (June 12, 2020)

I e-transferred my payment to them and they took one week to accept the e-transfer then went into my account and withdrew late fee’s telling me ... read more

- Natasha (May 5, 2020)

Do not take a loan from this place. They will do anything to take money from you. They are rude. And they do not care about their customers. They won&... read more

- Noah (April 1, 2020)

I have been dealing with Cash 4 U at 2515 Hurontario Street. Very happy with my customer service rep. Abha she is very professional and respectful. Ne... read more

- Todd (March 19, 2020)

Poorly run online business. They preapproved me for three different amounts, $10,000 , $2,100 and $1,500. Giving a pre-authorized amount after a custo... read more

- Steve Corey (March 13, 2020)

While the people that work at their locations are nice their head office has very poor customer service. They give you the run around and tell you the... read more

- Laurel (March 6, 2020)

Great lenders, have not had any issues.

- Megan (February 24, 2020)

I had a great experience at the Cash4u in Ajax. Alisha is really great with the customers.

- Janice Anderson (February 21, 2020)

Went to Oshawa branch 1208 Simcoe St. the person who helped me Louisa was very efficient she got the loan very quickly for me.

- Fran (January 16, 2020)

The lady ferosa was an efficient officer at the branch 2082B Lawrence ave, she got the loan very quickly for me.

- sivakumaran Seenivasagam (December 6, 2019)

Not a good company, make things very difficult, some people working there are ridiculous, very thick accents or the one lady practically whispers when... read more

- Elena (December 5, 2019)

Cash for you has the best service ever.

- Keanu Kelly (December 5, 2019)

They will take additional funds and then play the fool as to where the additional funds have gone. It’s a very scammy company, just go to money ... read more

- J R (July 22, 2019)

They are terrible, bad service, hidden fees. Nothing but liars!! DO NOT USE THEM, SCAMMERS!!!!

- Guy vandervoort (July 10, 2019)

This is a trusted service provider in Canada.

- Loans Canada (June 10, 2019)

Horrrible. Misleading people. Will approve you to just send you in circles. Went to Money Mart instead. Do the same!

- Ian (May 27, 2019)

Took a little longer then other pay day lenders but once they reviewed everything they needed to money was in my account within minutes. Also was offe... read more

- Brandon (May 23, 2019)


- Rachel (May 13, 2019)

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