Finished in 5 minutes
No faxing required
Your information is safe and secure!
99% approval rate
Bad credit or no credit is OK
No credit check
In Store = cash
Instant Interac email transfer
Next day bank transfer
Since 1996, Cash Advantage has helped thousands of British Columbians get access to fast, simple payday and title loans when they need them most. We started in Victoria, but now we proudly serve all of BC online, from Vancouver to Kelowna and everywhere in between.
We know life doesn’t wait. For example, rent is due, your car breaks down or an emergency pops up. And you need cash, quickly, respectfully and without the runaround. That’s where we come in.
We’re not a bank. We’re not a giant call centre. We’re a locally run team that believes in people, not credit scores. We treat every customer like a neighbour. Because you are one.
Payday Loans: Quick, short-term loans to cover you until your next paycheque. Easy online process. Fast approval.
Title Loans: Use your vehicle as collateral and access a larger loan amount. Still fast. Still fair.
100% Online: No storefronts. No waiting rooms. No embarrassment. Just smart lending from your phone or laptop, anywhere in BC.
✅ Fast Decisions: Most new applicants get a decision in under 30 minutes. Returning customers in as little as 3.
✅ Easy Application: No mountains of paperwork, but a few simple questions.
✅ All Credit Welcome: Bad credit? No problem. We look at your income and bank account, not just your credit score.
✅ BC Based. BC Proud.: We understand our customers because we live where you live. Our support team is local, instead of overseas.
We proudly help customers across the province: – Victoria – Vancouver – Kelowna – Surrey – Kamloops – Nanaimo – Prince George – …and many more.
Don’t see your city? No problem. If you’re in BC, we’ve got you covered.
Visit our FAQ page or contact us anytime. Our team is ready to help you get the answers you need, quickly and respectfully.
Cash Advantage – Online Loans, Human Support. Proudly serving BC since 1996.
To qualify, you need to be a BC resident with a steady source of income and an active bank account. We don’t require a credit check, and you can apply fully online.
Absolutely, and we welcome all credit backgrounds. Your approval is based on your income and banking info, rather than your credit score.
Most new applicants get a decision in 30 minutes or less. Returning customers, though, may be approved in as little as 3 minutes. Once approved, funds are typically deposited the same day.
Yup, you can apply, get approved, and receive your funds entirely online; no storefronts, no appointments, no in-person steps.
Certainly. While we started in Victoria, we now serve customers across all of British Columbia, including Vancouver, Kelowna, Kamloops, Surrey, and more.
Loan amounts vary depending on your income and loan type. For payday loans, the maximum is typically $1,500. And for title loans, it can be higher based on the value of your vehicle.
Check out our blog where we break down BC lending laws, tips for borrowing responsibly, and more.
Active bank account