bad credit loans

Apply for bad credit loans in Toronto

Traditional lenders aren’t always a feasible option for Torontonians who have a low credit score and need to access quick money. We know this, and we offer bad credit loans in Toronto to individuals who cannot obtain funds through more conventional lenders.

Send Me Cash Now has the solution in Toronto for your financial emergencies

If you haven’t had the chance to build a credit report yet or made mistakes that have negatively affected your credit score, Send Me Cash Now has the solution. Our bad credit loans guarantee you cash within 24 hours, with minimal documents to provide.

What are bad credit loans in Toronto?

Bad credit loans are available to anyone with a poor credit score and low funds in their bank account. We offer loans between $300-$3,000 that can be used for anything from paying off debt to funding a personal project. We do not perform a credit check or use your past financial decisions to evaluate your application.

What is a bad credit score in Toronto?

Lenders and businesses use your credit score to assess your creditworthiness when it comes to borrowing money. Each adult in Canada has a score between 300 and 900. The higher the score, the higher the chances are of being approved for a loan.

What are the consequences of a bad credit score in Toronto?

Unfortunately, a bad credit score can impact your ability to get a mortgage, car loan, apartment, and more. If approved, you will likely have very high-interest rates, which can set you back.

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Will bad credit loans affect my credit score in Toronto?

If you apply for bad credit loans in Toronto and fail to pay them off in whole and on time, your credit rating will drop even more. However, paying off your loan per your agreement terms will help boost your credit rating. With time, each loan you pay off will demonstrate to lenders that you are trustworthy and reliable in paying off your debt.

Apply for the minimum amount you need

In addition, to minimize the chances of not being able to repay it, you should only apply for the minimum amount you need when you get a personal loan. You should also avoid sending applications for multiple loans at once. Keeping track of your loans, spending, and income is the best way to improve your financial health. 

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Are bad credit loans in Toronto legal?

Yes, bad credit loans are 100% legal. Indeed, having a bad credit score might not make you an attractive candidate to conventional lenders. However, trusted and licensed alternative lenders like Send Me Cash Now are qualified to issue these bad credit loans. Canadian law allows lenders like us to advance loans to clients even if they have a poor credit history.

Can bad credit loans in Toronto be used for anything?

While there are no rules when it comes to requesting bad credit loans, most people that apply, do so to solve short-term financial emergencies. Suppose you have a poor to below-average credit score, and you need money quickly. In that case, applying for bad credit loans can bring you financial relief

What are bad credit loans in Toronto used for?

Bad credit loans should not be used for ongoing long-term money issues. Instead, you should apply for only the minimum amount you need and make sure to repay your loan fully to avoid falling into more debt.

However, when used responsibly, bad credit loans can be beneficial for the following situations,

  • Paying off existing debt
  • Using funds to fix car troubles
  • Fixing last-minute home emergencies
  • Finishing up a long-term personal project
  • Medical emergencies
  • Get fast cash on your credit card

As you can see, bad credit loans are good solutions to many financial problems you may face. While we won’t ask you why you apply, we highly encourage you to carefully evaluate your financial situation and only ask for the amount you need.

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Benefits of applying for bad credit loans in Toronto with Send Me Cash Now

At Send Me Cash Now, we understand financial hardship and believe that working together is the best way to help you out of a bad situation. Unlike traditional lenders, we remove the numerous application restrictions to ensure that you get your money within 24 hours. It can help you with unexpected expenses.

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Trust our reliable expert team in Toronto

As a reliable alternative lender in Toronto, our bad credit loans are good for a number of reasons.

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Experienced team

Send Me Cash Now has been helping Canadians get out of financial debt for nearly two decades. We are one of the most trusted private lenders in the Toronto area, and all our brokers follow the rules and regulations set out by the government of Canada.

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No hidden fees

We think hidden fees are bad practices and can be devastating for borrowers who don’t have a flexible budget. Send Me Cash Now’s value of promoting transparency means that all our terms and conditions are clearly listed in the agreement contract.

repayment terms

Unsecured loan

All our loans are 100% unsecured, so you can rest assured that no matter what, you won’t have to put up collateral to be approved. While traditional financial institutions might repossess your assets if you default on repayment terms, we will never touch what rightfully belongs to you.


No credit check loans

Unlike conventional lenders, we will not perform a credit check to determine if you are eligible to apply for a bad credit loan. We will not look at your financial history. We evaluate your ability to pay back the amount you borrow. Getting a $2500 loan with no credit check will significantly improve your chances of being accepted for a loan.

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Instant approval

No more waiting for weeks to hear back on a loan application. When you apply for bad credit loans in Toronto, you’re guaranteed your money within 24 hours. If you apply during business hours, you’ll get your money within the hour.

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Secure Online application Process

Using our online system is not only convenient, but it’s also fast and secure. When you decide to apply for bad credit loans, all your information will remain confidential and secure. Through the use of secure encrypted software, safeguarding your information is our priority.

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Do I qualify for bad credit loans in Toronto?

Unlike traditional lenders, Send Me Cash Now, does not request you to provide us with a long list of specific documents before approving your application. We know that when an unpredictable event occurs, and you find yourself in need of emergency cash, waiting on a lender to evaluate a lengthy file is not ideal. 

Documents you need to provide to get bad credit loans in Toronto

This is why we’ve made the entire loan application process simple for anyone needing quick access to funds. However, we still require you to provide us with some information about yourself. To avoid identity theft and to ensure you have the capability of repaying the loan, we ask you to provide a few personal documents with your application.

  • Two pieces of government-issued photo IDs (must be 18+ or older)
  • Your Social Insurance Number (SIN)
  • Proof of Address (utility bill)
  • A proof of income showing your two most recent payslips
  • Bank statements for the last three months
  • Valid void cheque

If you meet the criteria above, you will not be refused bad credit loans in Toronto. All our bad credit loans are safe and unsecured, and you’re guaranteed to be approved, even if you have a low credit rating.

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How do I apply for bad credit loans in Toronto?

Send Me Cash Now has made the online loan application process as simple as possible, so you can apply and receive your money within the hour. All you need is a stable internet connection and a computer. If you apply during regular business hours, you can obtain your money from our online lenders before the end of the day, and you’re guaranteed to receive it within 24 hours at the latest.

Fill out an online payday loans application form

Filling out an application for bad credit loans in Toronto takes less than 10 minutes. You’ll need to complete the online loan application form. We will require you to provide us with your contact info and info on your employer, and you will list the amount you need.

The entire process should not take long, and you can submit it 24/7.

Always double-check your application before submitting. Any false information might affect your approval chances, and you might have to restart the application process.


The review process

If you fill out your application during business hours, a member of our team will usually analyze it within the hour. If anything is missing or if we have any questions, we will call you. Otherwise, we will proceed and approve your loan request.

Before transferring the funds, we will send you a loan agreement for you to review and sign. You will find important information, such as the loan amount you are borrowing and the repayment terms. Once you have reviewed and signed the agreement, send it back to us, and we will proceed with the transfer.

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Transfer of funds

Once we’ve received your agreement, we will transfer the funds directly into the bank account you provided. After the transfer has been completed, the funds will be ready to be used to help you get out of financial difficulties.

So, stop worrying about your money problems, apply for bad credit loans and get your money within 60 minutes! 

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Get your finances back on track and apply for bad credit loans in Toronto today

If you’re committed to improving your credit score, let us help by providing you with the financial cushion you need during these challenging times. With a little understanding, flexibility, and efficiency, we can get you back on track within 24 hours.

Complete our online application form

If you’re ready to apply for bad credit loans in Toronto, complete the online application in minutes. If you have any questions, call our expert lenders or email us at and someone on our team will gladly provide you with the info you need.

Apply for bad credit loans in Toronto today!

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Get your Bad Credit Loans in Toronto with Send Me Cash Now

Bad Credit Loans in Toronto for express cash

Are you in an emergency situation that worries you more and more each day? We are fully aware of your problems, and we want to support you in overcoming them. First of all, submit your loan application online. Our lenders will get back to you immediately, and you will get your funds as quickly as possible in a completely secure manner.

An online loan tailored to your situation

Send Me Cash Now offers payday loans of $300 to $3,000 depending on the amount you need. Indicate the amount you want when filing your application and receive it within the hour. We grant amounts that are higher than our competitors and perfectly tailored to your needs.

A real desire to support you

Our mission is to support as many Canadians as possible. Do you have limited means or a low credit score? Don’t worry: no credit check will be performed, and your bad credit loan will be granted without any trouble. For 17 years now, our lenders have been helping many people in the same situation as you every day.

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