Captain Cash Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan
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Four questions checked against Captain Cash's published criteria, per product. No application started.
What Captain Cash wants to see is a calm bank account: pay arriving on schedule, few NSFs, and not much company from other short term loans.
A low ratio of other active short term or payday loans is a stated requirement. Zero is not demanded. A stack of them, though, is read as risk in its own right, and it narrows what this application can carry.
The wording is deliberate: an applicant must not be on the brink of declaring bankruptcy or entering a consumer proposal. Approaching insolvency is disqualifying here, not only the filed kind.
3 reviews from borrowers who used Captain Cash. Each is submitted by a verified borrower and moderated for authenticity; it renders as written, positive or not, and lenders cannot remove it.
Exactly as they say... if all your paperwork is in order and you meet the eligibility requirements there is no problem
Called in twice, excellent customer service and got my money the day after. Top notch.
Got approved quickly. Easy online app.
Captain Cash is an alternative online, Canadian loan company that offers cash loans, payday loans, and personal loans for people from all financial backgrounds.
Yes, Captain Cash is safe. They opened in January 2015 and are now a strong team of 50 people. They have served over 50,000 customers and over $10M in funding. They’re also verified and secured by GoDaddy and have an SSL certificate on their website for privacy and safety.
Captain Cash offers cash loans, online loans, payday loans, and personal loans.
Captain Cash loans have around a 23% interest rate, but various factors like your credit and income may affect the specific interest rate on your loan.
If approved, you can borrow anywhere from $500 to $750 from Captain Cash.
In order to be eligible for a Captain Cash loan, you must be 18+ years old, Canadian, make $1200+ monthly via cheque or direct deposit by your employer, have been working for 3+ months, have a Canadian bank account, have few or zero non-sufficient funds transactions, and have a low short term debt ratio. Additionally, you'll need to provide proof of income and a screenshot of your bank account.
If approved, you can receive your loan funds within as fast as 1 business day directly into your bank account or by Interac e-transfer.
You can repay your Captain Cash loan by setting up either weekly, bi-weekly or monthly payments to come directly from your bank account.
If you think you meet all the eligibility criteria and you’re ready to get started with your loan application, you just need to go to their website and fill out the online application, providing personal information like your name, email address, proof of ID, and relevant documents.
Captain Cash won’t tell you how you can spend the money you borrow. But many people use short term loans for emergency expenses, monthly expenses, one-off payments, or debt repayment.
92% of Customers receive a loan request answer within the same day when applying during business hours
