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
Borrow up to $1,500 at a flat $14 per $100, with the full repayment amount shown before you sign. Decisions come back in minutes at any hour, funds arrive by Interac e-Transfer in roughly two minutes, and early repayment carries no penalty.
A payday loan covers a short gap before your next pay. You borrow a set amount, pay a set fee, and repay on a set date.
Lending in The Pas falls under Manitoba's provincial rules, overseen by the Consumer Protection Office, and every lender must hold a provincial licence.
Those rules govern what can be charged per $100, how much of your net pay one loan can represent, the window for cancelling at no cost, and what must be disclosed before signing.
The borrowing fee is $14 for every $100, a flat rate with no hidden charges, no compounding interest, and no additional fees. You will see the full cost before signing anything: borrow $200 and the fee comes to $28, for a total repayment of $228. The same ratio applies at every amount from $100 to $1,500.
Congratulations! Your loan is approved.
To qualify for a payday loan in The Pas, you must meet the following criteria
Be at least 18 years oldBe a Manitoba residentShow that you have been receiving the same source of income for the past three monthsHave a total net income of at least $800/monthHave access to an online bank account, in which pre-authorized debits can be performed*Have a valid Canadian mobile phone number, address, and email address (VoIP numbers are not accepted)
*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.
Yes, you can still get approved with bad credit. Steady income over three months matters more than your score, and thin credit files or past missed payments do not disqualify you. Repeat borrowers skip the credit check altogether.
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.
The Pas sits in the Northern Manitoba EI region, where unemployment of 27.6% is the highest in the country. The town depends on freight and rail links, and groceries cost well above what southern Manitobans pay. Even with solid local incomes, those costs leave less room when an unexpected bill arrives.
Median household income in The Pas is approximately $85,000, compared with about $79,500 across Manitoba (Statistics Canada, Census Profile 2021).
Average monthly rent: around $1,050, roughly 15% of median income
Groceries for an average household: about $780 per month
Public transit: none, so a vehicle is not optional
Renters as a share of households: roughly 40.7%
Unemployment rate: 9.8%, against 5.0% province-wide
In 2025 alone, more than 14,000 Manitobans turned to us for short-term funds.
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.
