🎯Approval requirements:
✅18+ ✅Employed or Self-Employed ✅Canadian Bank Account ✅Live in AB ✅Personal email & cell #
❌ Recent Bankruptcies or Consumer Proposals ❌ Government Income / Social Assistance
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
Time: New Customer: 1 min
Time: New customer: 5 mins. Return customer: 2 mins
After submitting the form, you’ll enter our secure loan application system, which uses advanced encryption for protection
Here, we’ll ask for additional details to verify your identity and ensure the right person is applying
Some ID information, like your Social Insurance Number or Driver’s License, is optional. Providing these helps our underwriting team make more informed approval decisions. As a reminder, this is optional
For future loans and if your details remain the same, you can review the information again, and click next to fast-track your application
The loan amount you entered on the previous form will be pre-filled here. This step allows you to review and make any necessary changes, such as adjusting your pay period.
You’ll also need to select your loan term in the “3. Loan Term” section. If you’re unsure, enter the lowest number shown in the example below the entry box.
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.
Please provide accurate or approximate amounts, 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.
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.
Time: 1 min
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.
TBC
TBC
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.
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!
INTEREST RATE INFORMATION
Cash Bull Capital Inc. only allows 1 active loan per person at any 1 time
Province of Alberta: License #356299
Maximum borrowing fee: $14.00 per $100 borrowed. Cash Bull Capital Inc. borrowing fee: $12.00 per $100 borrowed.
The APR on a $500 loan for the period of 42 days is 167.75% at the rate of $12.00 per $100 borrowed.
The shortest loan term is 42 days and the longest loan term is 62 days, dependent on the applicants income frequency.
Payday loans are unsecured and the application process does not involve a hard credit check.
We are an online service only (unless specified) and have the right to refuse service.
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