Referral Program
Refer friends or family and earn rewards through our Referral Program. Share your referral link, and when someone you know applies and gets approved, you both benefit.
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Manitoba
License #74162
24/7
Approvals
2-Minute
e-Transfer
Over 14,000 Manitobans
helped in 2025
Key Takeaway
Residents of Selkirk can borrow up to $1,500 at a flat $14 per $100, with the total repayment shown before signing. Decisions come back in minutes at any hour, funds move by Interac e-Transfer in roughly two minutes, and there is no penalty for repaying early.
A payday loan is a small, short-term loan meant to cover the stretch between now and your next pay. You borrow a set amount, pay a set fee, and repay on a set date. It is not a line of credit and not an installment loan.
Anyone lending in Selkirk operates under Manitoba's provincial rules, administered by the Consumer Protection Office, and must hold a Manitoba licence.
Those rules set what a lender can charge per $100, the maximum share of your net pay a single loan can represent, the cooling-off window for cancelling at no cost, and what has to be disclosed to you before you sign.
The rate is $14 per $100 borrowed, the same everywhere we lend.
Work it through at any size and the ratio holds. Borrow $300 and you repay $342, the fee being $42. Borrow $500 and $70 brings the total to $570. A $1,000 loan costs $140, repaying $1,140, and the full $1,500 carries $210 in fees for a repayment of $1,710.
That is the whole cost. No application fee, no administration charge, nothing added partway through, and no penalty for clearing the balance early.
Congratulations! Your loan is approved.
Getting approved for payday loans in Canada with iCash is simpler than you might expect. The application process is fast and straightforward. Here is what you need to help get started
Be at least 18 years oldBe a Manitoba residentHave received the same source of income for at least three monthsHave a net income of at least $800 per monthHold an online bank account that supports pre-authorized debits*Have a valid Canadian mobile number, address, and email
*Please note that KOHO accounts do not qualify as they do not support pre-authorized debits.
Payday Loans for Government Benefits Recipients
Employment income qualifies, and so do Child Tax Benefit, CPP and private pensions, EI, workers' compensation, disability income, Employment and Income Assistance, and self-employment income.
A low score does not rule you out. Steady income over the past three months carries more weight than your credit history, and applicants with thin files or past missed payments are approved regularly. Repeat borrowers skip the credit verification step entirely.
Approval is never guaranteed, and depends on meeting the criteria above.
Refer friends or family and earn rewards through our Referral Program. Share your referral link, and when someone you know applies and gets approved, you both benefit.
Over 1 million Canadians have used iCash. See what real customers are saying on Trustpilot, where we hold a 4.7 out of 5 rating.
Apply, track your loan, and manage repayments right from your phone. Our app is rated 4.8/5 on the Apple App Store and 4.8/5 on Google Play.
Your credit score does not define your eligibility. We accept all types of credit, so a low score does not have to stand in your way.
Selkirk has the cheapest transit pass in the province at $20 a month, run by a contracted non-profit, but many residents still commute into Winnipeg for work. The local steel sector adds exposure to trade and price swings, and unemployment in the area, at about 10%, is double the provincial figure. That combination makes an unexpected expense harder to cover between paycheques.
Selkirk serves as a hub for the Interlake, which means people drive in for work, groceries, and appointments from well outside the city limits. It also means that when money is short, the options nearby are limited to whatever the main street happens to hold.
Selkirk's median household income sits at approximately $68,000, compared with about $79,500 across Manitoba (Statistics Canada, Census Profile 2021).
Average monthly rent: approximately $1,200
Groceries for an average household: about $750 per month
Adult monthly transit pass: $20
Average consumer debt load: approximately $18,200, the lowest in Canada
Renters as a share of households: approximately 40%
With a rent-to-income ratio of roughly 21% and an unemployment rate of 10%, many Selkirk households carry less debt than most Canadians, but still have little cushion when a cost comes in early or a paycheque comes in short.
An application that works from a parked truck at 9pm is a different proposition than one that requires being somewhere during business hours.
In 2025 alone, more than 14,000 Manitobans turned to us for short-term funds.
Wherever you are across the Interlake, the process is identical. We also serve borrowers in Winnipeg, Steinbach, and Portage la Prairie. Apply online, skip the drive, and receive funds by Interac e-Transfer.
Earn money every time you borrow with iCash! Our unique cashback program is designed to reward you for being a loyal customer and can help you save on future loan payments. After successfully paying off your first online loan, you'll receive 4% of the cost of borrowing credited to your account. You can earn up to 12% depending on how many iCash loans you have repaid.
Have more questions? Check out our full FAQ.
