Cash 4 You Reviews, Ratings And Fees January 2023

Based on 63
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 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.

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

See what others have to say about Cash 4 You

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

- Angela (April 26, 2022)

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... read more

- Candie (January 4, 2022)

No problems with obtaining the funds I requested. Great Service. Especially Angel (Chatham Ontario) she is amazing.

- Kate (November 1, 2021)

Wouldn’t recommend this lender at all very sophisticated through the online method. Wouldn’t recommend it to my family, friends and nor anyone.

- Navi (September 7, 2021)

They approve loans all the time for me and I have never had a problem with the service or the staff.

- Steve Crawford (Sept.2/21) (September 2, 2021)

The customer service at this location on hurontario and Dundas is absolutely amazing. Donna, she was super nice she got me my loan in a timely fashion... read more

- odene (September 1, 2021)

I was having problems with the online system freezing when I was at the cottage. So I went into Lindsay and Rick was fantastic. I was in and out in 10... read more

- Brian (August 13, 2021)

I have dealt with Cash 4 You on several occasion, and was amazing and paid every time on time. Now I’m being refused payday loans without explan... read more

- sam (August 3, 2021)

My review is, Cash 4 You is an awesome place, great people, and really fast at giving me a loan. I’m so impressed with the job they do, keep up ... read more

- Tammy pringle (August 2, 2021)

Allana at the Hurontario location was awesome. Your system was extremely slow which was not in her control, but she made me feel patient and she was v... read more

- Cash 4 You (July 27, 2021)

I am very pleased with the service that I receive from Angel at the Chatham office, she is always helpful and professional and goes out of her way to ... read more

- Tonya Salisbury (June 30, 2021)

I found that a Chatham Kent Ontario is very excellent I had Angel today very nice very and helpful.

- robert hulme (June 30, 2021)

Best service ever.

- Jonah Kirabo (June 28, 2021)

Simi is a very good and helpful customer Service lady.

- WILBERT (June 23, 2021)

Olivia was amazing and very helpful.

- Norm (June 14, 2021)

Natori was helpful 5 stars.

- Peter (June 10, 2021)

I like Cash 4 You, the staff there is always nice and friendly especially the lady that I talk to today I think her name is Sandy.

- April judge (June 1, 2021)

Store on Lansdowne. Is great for customer service.

- Vincent bugden (May 31, 2021)

My experience with Cash 4 You was amazing. The staff on bank Street were very helpful and very polite.

- M Carriere (May 28, 2021)

Great thanks to Dee and others that work at Cash 4 You.Been going there for over 3 years. Always opens on time. Never had a problem happen there. Than... read more

- David Bruce (May 20, 2021)

I have been a client with Cash 4 You for a long time. I have been experiencing 2 types of loans, payday and installment loans. I have been guided and ... read more

- Rui Figueiredo (May 12, 2021)

An excellent and polite lady. Thank you.

- Bogdan (May 11, 2021)

Never had any problems dealing with Cash4You.

- April Judge (May 3, 2021)

I have been using Cash 4 You for quite a while and I ALWAYS have an excellent experience with Louisa and her team if she is unavailable. I would recom... read more

- Marilyn Brooks (May 3, 2021)

Louisa is great. Always friendly and smiling 😃

- Julian (May 3, 2021)

Great service with prime location which was easy to find. Mary was exceptionally helpful and attentive. She understood the assignment quite easily and... read more

- Betlihem Fishaye (April 27, 2021)

It was a pleasure doing business with this lady at cash4you at 1020 St. Laurent in Ottawa. She was a great help with everything and I would do busines... read more

- stephen carbonette (April 20, 2021)

I was very time constraint and needed my loan to be processed quickly at the Kipling Cash4You location and Rishabh listen to my concerns and quickly c... read more

- KRose (April 19, 2021)

I would like to advise you and how I appreciate the good customer service that I receive while in your store on Cassells in North Bay thank you to Sab... read more

- ginette belanger (March 22, 2021)

Excellent customer service, went out of their way to help me out, with the loan I needed… thank you Louisa.

- Rick (March 15, 2021)

This is the first time I am dealing with Cash4you and they are good. Annabele from Huron Street, London location is very effective and was clear to th... read more

- Prabhu Thirugnanasambandam (March 10, 2021)

I have had great experiences with this place, have never had any issues loaning. Great staff members, quick and easy help.

- Patrick Thompson (February 10, 2021)

They don’t make money transfer through Western Union.

- Juan (February 8, 2021)

Louisa handled my service at cash 4 you. She was amazing, friendly, and knowledgeable. She definitely deserves a 5 star rating and recognition for her... read more

- Bradley buck (January 20, 2021)

Tina at the Bath rd Kingston location is amazing.. helpful, kind and always going the extra mile.

- Marion (January 4, 2021)

I always go to the Cash 4 You on Durham Street in Sudbury, Ontario. They have always been excellent there. Especially Vedang. He is always helpful and... read more

- Angelia Newbury (December 4, 2020)

Sasank has helped me alot in customer service, he explained me in understanding the payday loans and installment loans. Greaj job Sasank. Cash4You Hig... read more

- Shiva Giri (November 17, 2020)

Found the service exceptional. Explanation of the product was thorough and having the money in my account took no time at all. Sarah in the Lindsay lo... read more

- Dave Wells (November 12, 2020)

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)

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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Cash 4 You Reviews on Loans Canada
Best Personal Loan Provider by Greedy Rates

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