How ICCE works

You apply once

Our form asks only for what a lender needs to make a decision: how much you want, where you live, how you're paid and how to reach you. We check your province first. If you're in Quebec or a territory, we tell you right away that licensed payday lending isn't available there, rather than sending your details somewhere they shouldn't go.

We match you with a lender

We send your application to a lender that holds a licence in your province and accepts applications like yours. The lender may ask you to confirm your identity or connect your bank account through a secure verification service.

The lender makes an offer

If you're approved, the lender sends a loan agreement showing the amount, the fee in dollars, the annual percentage rate, the due date and your right to cancel. Read it. Nothing happens until you sign.

You sign and get funded

Sign electronically and the lender sends the money, usually by Interac e-Transfer. From that point, your agreement is with the lender, not with us. Questions about repayment go to the lender directly.

How ICCE is paid

Lenders pay us a referral fee when we send them an application. It doesn't change your price: the legal cap is the legal cap. We tell you this so you understand our incentive, and so you know why we'll never ask you for money.

Common questions

Written by the ICCE Editorial Team. Last reviewed October 2026.