E-Transfer Payday Loans — Money Directly to Your Bank
No checks to cash. No store visits. No waiting in line. Get your loan sent directly to your Canadian bank account via Interac E-Transfer. Most deposits arrive within 1 hour of approval.
- Direct to your bank
- All major banks supported
- Under 1 hour funding
- 100% online process
Why E-Transfer Loans Are Better
The fastest, most convenient way to receive your loan funds.
Instant Deposits
Most E-Transfers arrive within minutes of being sent. No waiting days for checks to clear.
100% From Home
Apply online, get approved online, receive money online. Never leave your couch.
Secure Transfer
Interac E-Transfer uses bank-level security. Your money arrives safely every time.
E-Transfers
Receive your funds within the hour.
No Check Cashing
Skip the check-cashing fees and hassle. Money goes directly into your account.
Mobile Friendly
Accept your E-Transfer right from your phone. Use your banking app to deposit instantly.
Works With All Major Canadian Banks
We send E-Transfers to any Canadian bank that accepts Interac.
- Plus credit unions and online banks that accept Interac E-Transfer
How E-Transfer Loans Work
Four simple steps from application to cash in your account.
Fill out our 2-minute form with your basic info and banking details.
Instant decision. No credit check required.
Your loan is sent via Interac E-Transfer immediately after signing.
Accept the E-Transfer in your banking app. Money is yours instantly.
E-Transfer vs. Other Methods
See why E-Transfer is the smart choice for payday loans.
Paper Check
- Wait for mail delivery
- Pay check-cashing fees
- Visit a store to cash
- Risk of lost/stolen check
- 3-5 day hold on deposits
E-Transfer (Us)
- Instant delivery
- Zero fees to receive
- Accept from your phone
- Secure bank transfer
- Immediate access to funds
In-Store Pickup
- Must visit a location
- Limited store hours
- Wait in line
- Carry cash home
- No weekend/holiday pickup
E-Transfer Loans FAQ
Common questions about receiving your loan via Interac E-Transfer.
How long does an E-Transfer take?
Most E-Transfers arrive within minutes of being sent. The entire process — from approval to money in your account — typically takes less than 1 hour. Some banks may take up to 30 minutes to process incoming transfers.
Is there a fee to receive an E-Transfer?
No. Receiving an Interac E-Transfer is free at all major Canadian banks. You’ll never pay extra to receive your loan funds.
What if my bank has a daily E-Transfer limit?
Receiving limits are typically higher than sending limits at most banks. If your loan amount exceeds your receiving limit, contact your bank — they can often increase it temporarily.
Do I need to set up auto-deposit?
Auto-deposit makes receiving even faster, but it’s not required. If you don’t have auto-deposit, you’ll receive an email with a link to accept the transfer.