CashPicks is a free comparison platform that connects you with licensed Canadian lenders for short-term loans. We do the research and surface options that fit — you choose the one that works for you.
Life doesn't pause between paycheques. A surprise vet bill, a transmission that picks the worst possible week, an unexpected hydro spike — sometimes you just need quick access to a few hundred dollars without jumping through hoops at the bank.
The trouble is, the Canadian short-term lending landscape is confusing. Dozens of lenders, different rules in every province, fees written in language that needs a law degree to decode. People end up overpaying — or worse, accepting offers from outfits they shouldn't trust.
That's why we built CashPicks. We're a free, independent comparison platform — not a lender, not a broker. We research the market, vet the lenders we work with, and surface the options that fit your situation. Your application, your decision, your loan agreement (signed directly with the lender you choose).
Four principles that shape every part of CashPicks — from the partners we choose to the way we write our content.
We're not owned by a lender, and we're not a lender in disguise. We surface the options that fit you — not the ones that fit us.
Clear fees. Clear timelines. No jargon, no fine-print games. You should know what you're walking into before you ever click "apply".
Most matches happen in under a minute, and our partner lenders fund approved loans the same day via Interac e-Transfer — often within hours.
Your details only go to lenders you choose. We follow PIPEDA, encrypt everything end-to-end, and we never sell your information. Full stop.
A lender wants to sell you their loan. A broker takes a cut from whoever pays them most. We don't fit either category.
CashPicks is a comparison platform. We spend our time reading the fine print so you don't have to, watching for lenders that change terms or play games, and updating our partner list when the federal or provincial rules shift.
When you use the calculator or fill out the short pre-qualification form on our site, you're not applying for a loan with CashPicks. You're getting matched with one or more licensed lenders who can serve your province. From there, the agreement, the funding, and the repayment all happen between you and that lender — exactly as it should.
Every partner lender on CashPicks must hold the licences required to operate in your province and follow the federal Criminal Interest Rate Regulations — including the $14-per-$100 cap on payday loans (effective Jan 1, 2025). We're not a lender or a broker, so we don't set rates or approve applications. We handle your personal information under Canadian privacy law (PIPEDA) and never sell it. Questions about our standards or any partner? Email support@cashpicks.ca.
Compare loans from licensed Canadian lenders in under a minute. No commitment, no hard credit check.
Check Eligibility →