About Us
WHO WE ARE?
The Payday Loan Canada Trusts
Cash Cowboy is a fully-certified and licensed payday loans company servicing the provinces of British Columbia and Ontario, Canada. We specialize in equity and equality — with payday loans that give everyone a fair shake. We aren’t blown around in the wind by credit scores or histories, and make it possible to achieve your financial goals quickly and securely without making it hard.
At Cash Cowboy, we know your request for a payday loans is just a lay-by on your journey to bigger things. Whether you really need it or simply want it, a short term payday loans from Cash Cowboy is easy to get and can go a long way. And you won’t even need a lasso.
What We Do
Cash Cowboy leads you to greener pastures with payday loans that keep your bills in the herd. Like stray livestock that wanders off, we know life brings financial hardships that can pull you in different directions at the same time. That’s why Cash Cowboy helps you corral those finances and get them in line with same-day personal payday loans featuring easy application, fast approval, and e-transfer of funds. With a no-bull approach to payday loans, Cash Cowboy is the fresh drink of water you need after a hot day in the sun. Happy trails.
HOW IT WORK'S
Apply Online in
60 Seconds!
Complete Bank Verification via
SMS!
Get Approved!
Pay your loans
using e-transfer!
Re-borrow
without any new paperwork!!
Apply Online in
60 Seconds!
Complete Bank Verification via
SMS!
Get Approved!
Pay your loans
using e-transfer!
Re-borrow
without any new paperwork!!
Any Question?
You can submit your application online by clicking on the “Apply” button at the top right corner of this page. In order to qualify, you must be:
a) a resident of British Columbia or Ontario,
b) 18 years of age or older,
c) have access to online banking, and
d) receive an income derived from employment
Our cost to borrow is $15 for every $100 advanced. That works out to $45 on a $300 advance (average Canadian advance based on a one pay period advance).
British Columbia residents: The APR on a $300.00 loan for 14 days in BC is 391.07% at the rate of $15.00 per $100 borrowed. Please see payday loans for more information.
Ontario residents: The cost of borrowing at Cash Cowboy is $15.00 per $100.00 for each $100.00 advanced. On a $500.00 loan for 14 days, the cost of borrowing is $75.00, with a total payback amount of $575.00 and an annual percentage rate of 391.07%. The maximum allowable cost of borrowing under payday loan agreements is $15.00 for each $100.00 advanced. Please refer to the payday loan regulations here.
Cash Cowboy would require borrowers to submit a digital copy of a valid government issued photo ID. That can be in the form of a Driver’s License, Passport, Permanent Residence Card, Citizenship Card, Ontario ID Card, or BC Services Card. (Note: We cannot accept Ontario Health Cards as a form of ID)
The loan amount you can borrow from Cash Cowboy maximum is 50% of your income.
The maximum amount that a borrower can apply for is up to $1500.
Borrower shall repay the loan in full amount on or before the due date, by:
- Send your repayment via Email Money Transfer. You will receive the information on your loan agreement when it is approved.
Inform Cash Cowboy to make a pre-authorized debit (PAD).
i. For a late payment, the Borrower shall pay Cash Cowboy a default charge of $20.00, in addition to
ii. An interest at a rate of 2.5% per month calculated on the outstanding principal balance and from the time it’s borrowed until the time it’s paid in full.
Please Contact Cash Cowboy as soon as possible, and we will make the necessary adjustments.
