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Your Time Matters!
Get Approved in 3 Minutes. Licensed, Fast, & Transparent

Same-Day Funding!*

*99% of Signed contracts received before 7pm MST are funded the same day

Alberta Government Licensed

Secured & Encrypted

No Hidden Fees – Ever

Approval requirements:

Minimum income of $1500 per month

18+

Employed or Self-Employed

Canadian Personal Bank Account - at least 6 months old
(CIBC, RBC, Tangerine, Simplii, EQ Bank, National Bank, TD, BMO, Scotiabank, PC Financial, ATB, Dejardins)

Live in AB

Personal email & cell #

Your application will be DENIED IF:

Recent Bankruptcies or Consumer Proposals

Received a Payday loan in the past 30 days

More than 3 NSF events in the past 3 months

Your combined consumer debt (exc. mortgages) is more than 40% of your net income

Financial Institution accounts i.e. KOHO, WealthSimple

Start Your Application

This is my second time using Cash Bull, and I came back because they were fast, fair, had the lowest costs and were super easy to deal with. The application was quick and I had the money the same day. It really helped me out when I needed it most. I wouldn’t go anywhere else.

User

Lalaine

Calgary, AB

Honestly, I didn’t think getting a loan could be this smooth. I used Cash Bull to get my first payday loan ever, especially after seeing that they are government licensed. They answered questions quickly and the money hits fast. Super helpful when you're between paychecks.

User

Angelo

Grande Prairie, AB

I really appreciate the way Cash Bull treats their customers. They were respectful, clear about everything, and the support I received made a big difference during a tough time. It's good to know there’s a trustworthy lender out there when you need one.

User

Alice

Red Deer, AB

I should have used Cash Bull first. What a game changer, so much weight off my shoulders. Simple and stress-free

User

Edwardo

Chestermere, AB

Finally, an honest lender! I received my money on the same day I applied. Cash Bull sent me reminders about payments 3 days before a payment was due. No hidden charges, no problems. So easy!

User

Fely

Edmonton, AB

The Payday Journey In 3 Simple Steps!

Our easy-to-follow guide takes you through every step, from submitting your application and getting approved, to receiving your funds and making payments We make the process smooth and transparent, honest and ethical, every step of the way If it’s your first loan or a returning application, we’re committed to supporting you every step of the way

Step 1
Complete The Online Application Form

Time: 3 mins

  1. Please ensure to enter your details accurately. Any incorrect information may decline your application, create funding problems or contract termination.
  2.  Please enter the e-mail you use for auto deposits. As per our agreement, if you enter an e-mail associated with another bank account you are unable to access, we are not liable for any mistakes on your part and all terms in the agreement are valid. 

 

  • Confirm Loan Amount: $300-$1500
  • Employment Info.: Confirm your employment. Cash Bull currently approves Employed or Self Employed applicants. We do not accept government assisted or other sources of income.

Please also validate your Payment Income frequency and enter your Income Payment amount. This is the amount after all deductions which is what you receive in your bank account.

Note: We DO NOT contact your employer at any time regarding your loan, or provide details of your loan. It is against Consumer Protection Law. We ask for employment contact details in case we are unable contact you.

  • Personal Finances: Please provide accurate information, as this will help us approve the loan amount you’ve requested. As part of our ethical practices, we ensure applicants aren’t overburdened with excessive debt, helping to avoid additional financial strain.
  • References: Please provide references at your discretion. Rest assured, they will not be contacted regarding your loan application or any loan details. They may only be contacted if there is a communication issue between us and you.
Step 2a
Instant Bank Verification (IBV)

Time: 1 min

Step 2b
Pre-approval

Time: 3-5 mins

Read & electronically sign your agreement. If you’ve been pre-approved, there’s a 98% chance or high of being full approved for a loan.

Step 2c
Approval & Funding

Your application and IBV data will be cross checked to ensure the information matches. The under writing decision process is typically same day and within 2-3hrs (or slightly longer on busy days i.e. Weds to Sun, around stat holiday, school half term, festive periods). Typically decisions are made same day or by the next morning latest.

When approved, your loan will be disbursed to the e-mail you provided in your application form. Please be reminded, only use the e-mail in your application which as autodeposit payments turned on and ensure it is the bank account you can easily access. Any delays on your part, is not in anyway the fault of Cash Bull. By completing the application form, you are agreeing to all the information on this section.

Step 3
Re-Pay Your Loan

Pre authorized debit

Payments taken out automatically, no need to do anything. Well do the hard work.

Youll be sent a notification via SMS to remind you that a payment will be made in the next few days to ensure you have funds and not risk a NSF event

Loan Application Disclaimer

By submitting this loan application, you confirm that all information provided is complete, accurate, and truthful to the best of your knowledge. Providing false, misleading, or incomplete information may result in the rejection of your application, cancellation of any approved loan, and potential legal consequences under applicable laws, including but not limited to the Criminal Code of Canada and the Fair Trading Act (Alberta).

We reserve the right to verify the information submitted and report any fraudulent activity to the appropriate authorities. If you have any questions regarding this disclaimer or your obligations, please contact us before submitting your application.

Frequently Asked Questions

A PayDay loan is a short-term loan paid back in installments on the borrower’s PayDay.

In the province of Alberta, the loan term is between 42 and 62 days, and it is dependent on how often the borrower receives income.

The maximum loan amount for a PayDay loan in Canada is $1500.

It is absolutely FREE, with 0 costs to apply for and receive a loan from Cash Bull.

It costs $0 to apply for a loan and $0 to receive a loan

When you pay back your loan, payments will be debited from your account in equal installments.

The time it takes to receive your loan depends on different situations.

Loans sent to you via EFT and during business hours: Typically up to 30 mins at the longest!

Loans sent to you via Direct Deposit and/or outside standard business hours: Next business day.

Please do not have Passwords set up during any payments between you and Cash Bull as this will cause delays in the transfer of funds, or your account may be unnecessarily charged fees when it should not be!

If you have not received the funds within 48 hours, please notify us immediately, preferably by phone or live web chat support.

We understand things don’t always go as planned, and for most of our customers, using our service is for that very reason!

If you predict you will miss or cannot make a scheduled payment, please email us ASAP, and we will contact you to arrange an alternative solution.

We also need to remind you that missed payments can incur additional fees during your loan process, not just from us but also from your bank. Please do your best to ensure that funds are available in your account when your repayments are scheduled.

As soon as your loan agreement has been paid off in full, you can apply for another loan on the next business day.

Don’t forget that we have capped the number of loans a customer can take out per year. 

Please note that any events of non-sufficient funds during your previous loan will be used as part of the underwriting process for the following loan you apply for.

Cash Bull will only lend one loan to a customer at a time. We strongly stand on responsible lending and want to support and empower our customers in becoming financially responsible. We believe that a Pay Day loan is a powerful tool for solving an emergency quickly. However, Cash Bull does not believe that a Pay Day loan should be used as a regular financial source for day-to-day living.

We also restrict providing loans to those with no other current PayDay loans or who have received numerous loans in the most recent and previous 3 months. Customers who do are referred to in the loans industry as ‘Loan Stacking’. Our underwriting process will decline applicants doing this to preserve the opportunity to offer a Cost of Borrowing Fee, which is the lowest in the industry. 

To help you become financially stable and as proof of our belief, the maximum number of times a person can take out a loan from us in a year is 5. Without this cap, a customer may take up to 8 payday loans annually!