- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Next business day
- Apply
- Online and in-store
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
Cash 4 You payday loans: costs, licences and review
Last reviewed November 10, 2026 by the Koke editorial team.
Cash 4 You is an Ontario payday lender with storefronts across the province, lending up to $1,500 at up to $14 per $100 in store or online, and online to British Columbia residents under BC licence 82007. It also offers Ontario-only instalment loans of $500 to $20,000 at up to 34.37% APR.
Last reviewed November 10, 2026
Cash 4 You at a glance
- Provinces served
- British Columbia, Ontario
- Apply
- Online, In store
- Borrow
- $120 to $1,500
- Repay within
- 7 to 62 days
- Loan type
- Payday loan
- Cost per $100
- $14.00
- On $500 for 14 days
- $70.00 fee · $570.00 total
- Annual rate on that example
- 365.0%
- Money arrives
- Same day (Interac e-Transfer or direct deposit; cash in Ontario stores)
- Credit check
- Varies
- If a payment bounces
- —
- If you pay late
- —
- Support hours
- —
Is Cash 4 You licensed where I live?
Provincial regulators license payday lenders. Rows marked Verified were checked on the provincial register on the date shown. Rows marked Listed by lender are the provinces the lender says it is licensed in, which we haven’t checked yet. Either way, licences can change, so use the Verify link before you apply.
| Province | Licence number | Status | Regulator | Checked on |
|---|---|---|---|---|
| British Columbia | Not published | Listed by lender, not yet checked by Koke | Consumer Protection BC · Verify | |
| Ontario | Not published | Listed by lender, not yet checked by Koke | Ministry of Public and Business Service Delivery and Procurement (Consumer Protection Ontario) · Verify |
Apply now opens Koke’s application page, which sends your answers to our matching partner LeadScout. It may match you with Cash 4 You or with other lenders. Koke may be paid for referrals and for clicks to lender websites; that never changes our rating. Disclosure
Borrowing $500 for 14 days at $14.00 per $100 costs $70.00. You’d repay $570.00 on Tuesday, November 24. As an annual rate, that’s 365.0%.
Try your own numbers
How applying with Cash 4 You works
In Ontario you can apply at a storefront and leave with cash, or apply online and get an e-Transfer or direct deposit. BC residents can use the online payday loan only. The company also writes instalment loans of $500 to $20,000 in Ontario, repaid over 6 months to 7 years at up to 34.37% APR; on its own example, a $1,000 loan over 12 months costs about $196 in interest.
What to watch
Cash 4 You serves Ontario and BC only, so it isn’t an option in Alberta or the Prairies despite appearing in Canada-wide search results. If a storefront offers you the instalment product instead of a payday loan, compare the total cost of borrowing on the quote: over a long term, 34.37% APR can cost far more in dollars than a single payday fee.
What we like
- Storefronts across Ontario if you prefer to deal with a person
- Also licensed for online payday loans in British Columbia
- Larger instalment loans available in Ontario without a separate lender
What to watch
- Does not lend in Alberta or anywhere outside Ontario and BC
- Charges the provincial maximum of $14 per $100 on payday loans
- Instalment loans reach 34.37% APR, far above bank rates
Where Cash 4 You lends
Other licensed lenders in British Columbia
Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licence verified AB, BC, SK
- Cost per $100
- $14.00
- Borrow up to
- $25,000
- Funding
- Next business day
- Apply
- Online and in-store
Licensed per lender AB, BC, MB, NB, NL, NS, ON, PE, SK Confirm with regulator
A payday loan isn’t your only option. See lower-cost alternatives
Reviewed by Trust Pilot, Accredited Financial Counsellor Canada® on November 10, 2026. Our editorial standards
Sources
- Cash 4 You: rates and terms on its own site (accessed November 7, 2026)
Update log
- — Profile published from public sources. Licences listed as stated by the lender; register check by Koke pending.