Best Options for Bad Credit Loans

What loan amount would you like?


Want to know how many repayments?

1 to 3 repayments
Paid weekly
1 to 3 repayments
Paid bi-weekly or twice a month
1 to 2 repayments
Paid monthly
The system will automatically provide the number of repayments based on your pay frequency (range between 42 to 62 days).
In Manitoba, only a single repayment option is available. A loan taken out with us in Manitoba must be fully repaid at the next pay date.

Tell us what province you live in.



Instant Approval Even with Bad Credit Scores

We know that other lenders fret and hand-wring over your credit score. You’ll get none of that from us. We can never guarantee anyone’s loan application will be approved. What we can guarantee is that a bad credit rating alone won’t stop you from being able to borrow from us.

Sure, we take your credit score into consideration, be we consider a lot more than that. Because you are a lot more than that. Our advanced algorithm takes in the big picture of your current financial situation. Whatever happened in the past, if we determine that your current situation means you can repay your loan, we’ll be happy to lend you the funds you need to address your short-term financial challenges.

We distinguish ourselves as the responsible and transparent lender of short-term loans. Our job is to help you improve your financial situation. So, if other lenders have sent you packing at the first sight of your credit score, don’t be encouraged, we’re here to help.

No Credit Check | High Approvals

Get Up To $1500 From a Safe Trusted Licensed Lender. Easy Application. Multiple repayments, FAST e-Transfer.


This is the new Payday Loan option you’ve been waiting for

Apply immediately
Apply Online

Getting a loan has never been easier – or faster. We’ll need some personal background info, then just choose your loan amount and repayment plan. Then you’re good to go.

Know immediately
Know immediately

There’s no fuss in the process. You’ll be immediately informed if you qualify. All that is left is to sign your electronic contract.

Receive money
Get Fund

Any time, day or night, your loan will be e-transferred to you in just 5 minutes!

Maximum total cost of borrowing $300 is $345, without any minimum repayment period.

Great Financial Solutions, Even with Bad Credit!

Cash for the Basics, When You Need It

Lots of people these days find themselves just living from one paycheck to the next. Unfortunately, though, the unexpected has a way of happening. Sometimes you just don’t have the cash when you need it. When that happens even paying the basic bills can become a challenge. A bad credit loan can do the trick, carrying you over until that next paycheck.

Unexpected Repairs

Our cars, our computers, our phones, so many things that are essential, not just to our enjoyment of life, but often to our ability to do our job and earn our living, are subject to breaking down on us. What happens then? You need the job to get the money to fix it, but without fixing it, you won’t be able to keep the job! A payday loan is just what you need to get over the hump and back to work. Even a poor credit rating doesn’t have to stop you from solving your problem.

Fixing the Finances for the Fixer-Up

Maybe your bad credit led you to go for housing that needed a lot of work to turn it into your home. That’s a responsible decision, but, even the fixer-up has its costs. What happens if part of the project turns out to be more expensive than anticipated? Will your bad credit blow up the whole plan? Not at Quality Cash Loans it won’t. Even if your credit score isn’t great, we may be able to help you with the funds to follow through on your responsible housing choice.

Repair those Money Saving Appliances

When your financial situation is a bit tight, it’s smart to avoid eating out. Making less expensive meals at home though requires well working appliances. What happens though if they break down? You have to eat. Do you have to descend though into a vicious circle of needing to eat out and so not being able to afford to make the repairs that allow you to save money? Not with Quality Cash Loans, even if a bad credit score is part of your financial challenges, that doesn’t need to prevent us from helping you get out of the vicious circle and getting back to a financially sound lifestyle.

Emergencies are Costly

Sure, you may have a bad credit score, but you’re human, too. What if there’s an emergency in your family. There can be all kinds of associated costs: treatments, medications, maybe even travel and lodging costs. Sometimes these occasions can be as emotionally debilitating as they are financially. The last thing you should be worrying about is your credit score. With Quality Cash Loans, you don’t have to: we won’t let a bad credit score stand in the way of helping you through your time of need.

Is Quality Cash Loans a licensed direct lender?

Yes, we are and that’s great for you. You know that you’re dealing with a lender who is in full compliance with all federal and provincial government regulation and law. This is just part of our commitment to provide you with the most transparent, ethical and responsible lending experience possible.

What about repayment?

We make repayment as easy as a dream. Once repayment day arrives, we will simply debit the amount stipulated in your loan agreement out of the same bank account into which we made the original loan. All you have to do is be sure there are sufficient funds to cover the repayment. Other than that, there’s nothing for you to worry about.

Can I top up my loan?

You cannot take out a loan with us while an earlier one is still not yet repaid. This is an important measure to assure you don’t get in debt difficulty. We want to make your financial situation better, not worse.

We can never guarantee in advance that anyone will receive the loan they hope to get. But we can guarantee that a bad credit rating alone will not prevent you from getting your loan. Our advanced algorithm takes into account the big picture of your financial situation. What happened in the past is in the past. What we’re concerned about is whether you can repay a loan today.

Can I get help with the application?

We have loads of information on our website to help you through the entire borrowing process. We’d especially draw your attention to our thorough FAQ page, where we address a wide range of the kind questions that folks like you have frequently asked us.