Maximum charges permitted in Ontario for payday loan: 14% of the principal. We charge: 14% of the principal. For a $500 loan for 14 days: Total cost for borrowing = $70 Annual Percentage rate = 365%


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E-TRANSFER PAYDAY LOANS

Canada’s Most Accessible Loans

Black Irish Capital Payday Loans Online in Canada
Black Irish Capital Wise Payday Loans Online in Canada
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Black Irish Capital Payday Loans Online in Canada
Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
Black Irish Capital Payday Loans Online in Canada
Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
Ontario

EXPRESS LOANS ONLINE

Get up to $1,500. Low Rates. 5 minutes e-transfer
⚡ 5 MINUTE TRANSFER
Up to $1,500 • Instant Funding
Licensed Ontario Lender No Hidden Fees 24/7 Approval Bad Credit Welcome

Lightning Fast

Express loans provide funds within an hour. When you need money fast, there's no better choice.

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No Restrictions

Use your loan for anything. No restrictions on how you use the funds.

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100% Online

Application, approval, and funding - all online. No paperwork, no office visits.

Express loans are instant online personal loans that can provide you the funds you need quickly, securely and efficiently. When you need money fast and cannot wait, there's often no better choice as you'll usually have the money within an hour. They can be a real lifesaver.

These type of express payday loans can quickly provide you with the funds you need, without restriction on how they can be used. Unlike traditional credit applications, the loan application process, approval, and funding for instant loans online are super-fast. Speed and convenience are the hallmark for these kinds of loans, making them a perfect fit for the way most Canadians live their busy lives.

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📝

Apply Online

5-minute application

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Get Approved

Instant decision

3

E-Transfer

5 minutes after signing

Fast E-Transfer to Your Bank

Once approved, your funds are sent directly to your bank account via INTERAC e-Transfer within 5 minutes. No waiting for cheques or bank delays.

INTERAC e-Transfer

It always seems like surprise bills and expenses pop up when you least expect them. One minute, everything's going great, and the next thing you know, you've got a major financial headache. Maybe your refrigerator decided to stop working, or your heater just stopped working in the middle of a harsh cold Canadian winter. Even good surprises, like an engagement or your child getting interested in a new sport can all result in unplanned expenses that can put a strain on your finances. Naturally, when money is tight, Canadians turn to rapid loans for fast, easy access to the funds they need.

That's just not helpful when Canadians need emergency loans. Your money needs are urgent, and your money lender should be just as quick in approving you for the funds that you need. Online loans take just minutes to apply for and get you the cash you need the same day.

Customers can obtain quick easy loans from Black Irish Capital and receive up to $1,500 in under an hour. Now that's fast and all your financial obligations can now be met. In the time it takes to read this page, you could complete your loan application and get approved.

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Flexible Repayment

Choose your loan amount, repayment options, and get instant approval. No minimum credit score required.

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Bad Credit Welcome

Many clients apply for personal loans with bad credit and get approved. We look at the big picture.

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Transparent Lending

Full cost of borrowing clearly spelled out. No hidden fees. Automatic repayment based on your chosen plan.

Questions & Answers

If you meet the basic requirements, then you'll qualify. All you have to do is start filling out the application online:

  • You must be at least 19 years old.
  • You must be a Canadian citizen or Resident, residing in Ontario.
  • You must have been receiving the same source of income for at least the past 3 months.
  • You must have a net income of at least $800/month.
  • Own a Canadian bank account, opened for at least 3 months, with online banking.
  • Have a valid mobile phone, email address, and home address.

There are no minimum credit score requirements to get an express loan. While a credit check is performed as part of the approval process, it's just one of many things that we look at and having bad credit is not disqualifying.

Even if you have limited or bad credit, that does not stop you from getting a quick money loan. We believe that you're more than just a number. Our main consideration is whether you have the financial means to repay your express loans.

With an express loan in Ontario, you can get the money you need that same day any time of day, any day of the week, any week of the year. Since everything is done online and is automated, round-the-clock service is possible.

You can apply whenever you want, and your approval is handled by our software. The loan agreement is made available digitally and requires only a digital signature that takes just seconds to complete.

Funds are e-transferred within 5 minutes following receipt of your signed loan agreement. They're not called "express" for nothing!

Black Irish Capital is a leader in online express payday loans in Ontario. The speed and convenience as well as affordable competitive interest rates are key reasons customers choose us. As a bonus, we offer a cash back rewards program.

We comply with all Canadian laws, embodying values like trust, honesty, transparency, ethics, and responsibility.

A team of dedicated and knowledgeable customer experience advisors are available by phone and e-mail to help you. We also have an online knowledge base of articles and payday loan FAQs that answer common questions.

Our team is available from 9 am to 9 pm Eastern time Monday to Friday, 9 am to 5 pm on Saturdays, and 12 pm to 5 pm on Sundays.

Ready for your express loan?

Get up to $1,500 e-transferred to your bank in 5 minutes.

Apply Now →
INTERAC e-Transfer ⚡ 5-Minute Funding 🔒 256-bit Encryption 📱 Mobile App Ready

READY TO BORROW? HERE'S WHAT YOU NEED

Black Irish Capital – zero hassle, 100% online

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REQUIREMENTS

✓ All basics covered
  • Canadian citizen or permanent resident
  • Live in a province we serve
  • 19 years or older
  • 3+ months with same income source
  • Minimum $800 monthly income
  • Canadian bank account (3+ months)
  • Valid email, address & mobile
⚡ 5-MIN APPROVAL
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EASY REPAYMENT

Automatic withdrawal from your account. We'll remind you before.

No hidden fees Flexible dates Early payoff OK

INSTANT APPROVAL

Our algorithm works 24/7 to get you an answer in seconds, not days.

Instant decision 5-min funding 24/7 access
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FLEXIBLE AMOUNTS

Borrow what you need, when you need it. Simple as that.

$100 minimum $1,500 maximum Custom repayment
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ALL INCOME COUNTS

We accept multiple income sources toward the $800 minimum:

Employment
ODSP
Pension
Child Tax Credit
Disability
Self-Employed
250K+
Happy Customers
4.9/5
Customer Rating
100%
Online Process

No Credit Check | High Approvals

Get Up To $1,500 From a Safe Trusted Licensed Lender. Easy Application. Multiple repayments, FAST e-Transfer.

We do things differently

Black Irish Capital provides fast, safe access to short-term loans for Canadians facing financial uncertainty. We help you get back on track quickly and securely.

Our transparent and easy lending process ensures you can focus on what matters. We're here to support you through unexpected financial challenges.

Bad credit isn't a deal breaker

If you're worried about bad credit, don't be. Your repayment ability matters more than your credit score.

No document hassle

Our streamlined, real-time process reduces paperwork. We already have the tools to evaluate your application quickly.

Pre-approval in minutes

Our automated system evaluates your application any time, providing fast responses without stressful waiting.

Transparent costs

All fees are clear and explained, plus we provide tools to help you make the smartest financial decisions.

APPLY