Xcash Money Solutions stands out for its willingness to accept last-minute and short-notice loans. Many clients have praised the company for stepping in during emergencies and providing much-needed financial relief.

We also think their application process is another highlight. Designed for efficiency, it allows clients to quickly apply for a payday loan via their online platform. This streamlined approach means you can get the cash you need without unnecessary delays.

One of the most useful features is their loan management portal. This tool lets you easily manage your payday loan by viewing your loan history, payment dates, interest payments, and more. It’s a handy way to keep track of your accounts.

Just a heads up, clients need to contact Xcash by phone or in-person to discuss rates and arrangements, as this information isn’t available online. 

Even though Xcash’s services may be a bit more expensive, most people agree that their solutions work well and their service is reliable, making it worth the cost.

Great with last-minute assistance

“Since 2014, the whole team has been my saviour! They are very much helpful, customer service is consistently excellent and beyond (special mention to Jhom/Raizza)! Especially last minute in need for help, a minute assistance has been delivered all the time! Accepts all types of people, no judgement, all are very friendly and welcomes you homely! Thank you so much everyone!”

SM S, Google Review

Provides smooth transactions

“Always smooth transaction with this office, everyone is so nice and helpful, I have been customer for years. Highly recommended”

Julya, Google Review

What’s impressive about Spring Financial is that over 250,000 Canadians have received financing from them. This speaks volumes about their credibility and extensive reach, resonating with clients not just in Toronto but across the country.

They offer personal loans ranging from $500 to $35,000. The entire process can be completed online from the comfort of your home, with no need for in-person branch visits. Typically, the application takes just three minutes to complete.

On the flip side, it’s a drawback that they don’t have physical branches where clients can apply for a loan in person. Online applications can be challenging for those who aren’t comfortable with technology and those who prefer the reassurance of dealing with a provider face-to-face.

Despite that, we can’t deny that Spring Financial remains a solid choice for those needing quick access to cash. Many clients appreciate the same-day e-transfers, which have proven to be a lifesaver in urgent situations.

Great for those who need immediate loans 

“Great experience with Spring Financial. They are very efficient and effective in dealing with clients. Within the day, my application was approved, great staff. Well explained. Appreciate their help. Highly recommended for those who are seeking for immediate loans. 7 stars!!! Keep up the great work.”

Richard Perez, Google Review

Simple and easy to complete process

“Great service, fast approval process. The documentation and the complete process was very simple and easy to complete. Strongly recommend Spring Financial.”

JASDEEP SINGH, Google Review

Tribecca Finance provides lending solutions tailored to your specific needs. Their products include home equity loans, personal loans, construction loans, and first and second mortgages.

On that note, we’ve got to give them props for their lending specialists. These pros know their stuff and handle all sorts of client situations with ease. 

Most of the feedback we’ve gathered shows that their specialists are helpful, regardless of whether clients decide to take out a loan or not.

However, it’s quite a bummer they only offer secured loans and not unsecured personal loans. While secured loans provide access to larger sums at lower interest rates and longer repayment terms, resulting in lower monthly payments, some may prefer the flexibility and accessibility of unsecured options.

On the bright side, we found their customer service, especially their ongoing support, highly efficient and reliable. They maintain a strong line of communication with their clients, which means you can easily reach out and expect prompt responses to any concerns or follow-up questions you may have.

Great and easy to work with 

“I came to Tribecca when I needed money to finish my home renovation. Armando was great to work with and I was able to do all the home improvements I wanted. Highly recommend!”

Greg L, Google Review

Quick application 

“I was in need of some extra funds during a stressful time, and was referred to Tribecca Finance.

My application process was very quick and easy thanks to Toros who took care of me in a very friendly, helpful and professional manner, he addressed all my concerns, answered all my questions very efficiently and knowledgeable. I was especially impressed with how he made me feel so at ease during the process. Great staff, great company, i would most definitely recommend Tribecca for your financial needs…….thank guys.”

Angela Eleath, Google Review

24Cash.ca is a notable player in the Toronto loan market, offering quick and easy financial solutions to meet the diverse needs of its clients.

One of the major advantages of 24Cash.ca is that they don’t check your credit for loans up to $500. This is really helpful for people with not-so-great credit scores because they can get money without worrying about a credit check.

They offer flexible repayment terms for quick loans, allowing borrowers to repay in up to 90 to 120 days. It’s been a lifesaver for the clients we talked to who needed short-term financial assistance but required a bit of time to gather the necessary funds for repayment. 

But it’s a shame that they don’t accept self-employment as a source of income. This can be a significant limitation for the growing number of freelancers and self-employed individuals in Toronto.

Nonetheless, 24Cash.ca is a game-changer, especially if you need to make a $500 short-term loan and get it approved without too much hassle and requirements.

Doesn’t check for bad credit for short-term/quick loans

“I wish I could give this company 10 stars. I have never had any concerns, or issues getting a loan. They are very fast , answer all my questions within the same day. Everything they say on the website is 100% TRUE. some other companies say they don’t check credit and by the time you fill out the information they still decline you based on your credit. But not 24 Cash. They are true to there word. I’ve put through all my information and within an hour I was approved and funds sent to my bank account. if you apply to them trust me you wont be regret it”

Avaloi Hird, Google Review

Hassle-free experience 

“I’ve been using this company for years. Never any issues. Very friendly customer service and always a great hassle free experience.”

Susan Patriquin, Google Review

One of the standout features of FlexMoney.ca is its acceptance of self-employed income for loan approval. This is a big plus for freelancers, entrepreneurs, and gig workers in Toronto who usually have trouble getting loans from traditional lenders due to their irregular income.

From what we’ve seen, they have a reputation for providing rapid fund transfers, often completing transactions within 24 hours. This quick turnaround is crucial if you need immediate access to funds for emergencies or urgent expenses.

However, we’re a bit iffy about their recommendation that you’ll have to have fair to good credit. This can be a hurdle for those with poor credit scores looking for loan options. It’s not a strict requirement, but it might discourage some potential clients, especially those who have had credit issues in the past.

But overall, we believe FlexMoney.ca offers several compelling benefits, especially for self-employed individuals and those needing quick access to funds.

Quick and efficient application

“The application is very quick and efficient.  This is the second loan that I have had with them and each time they respond quickly to all loan requests.  The process took less that 48 hours to complete the transaction from application to receiving the the funds you requested once approved.”

Cindy Hamel, Google Review

Affordable payment plans

“Flexmoney, simply put, THE BEST!!! Sure, the cost to borrow will always be an issue, but the payments for certain high loans are very low and affordable compared to a number of other popular installment loan companies, plus the online process is very easy and very quick especially if your credit is good. You get your loan in your account instantly.  No penalties for adding $$$ to your regular payments, nor if you opt to pay off the loan early. Highly recommended if you’re looking for a reasonable installment loan.”

B. Kawhi-it, Google Review