Any Questions?

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 entire application process will normally take no more than 15 min. After Cash Cowboy confirms all information you provided, the approval process will normally take anywhere from 1 – 3 hours, however is subject to change based on volumes. Once your loan request is approved, technically you will receive your funds through e-transfer within 2 hours.
All payday loans are due on the borrower’s next payday.

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.