--- title: Shift Loan description: Get the financial flexibility you need with Flex Loan. Borrow up to $7,000 and repay over 60 months. Apply instantly online today! --- [![longLogo-02](https://info.cashcofinancial.com/hubfs/longLogo-02.svg "longLogo-02")](https://www.cashcofinancial.com/) [![Full Logo](https://info.cashcofinancial.com/hs-fs/hubfs/Full%20Logo.png?width=150&height=37&name=Full%20Logo.png "Full Logo")](https://info.cashcofinancial.com/?hsLang=en) - [Login](https://online.cashcofinancial.com/app) - [FAQ](https://cashcofinancial.com/faq-2/) - [Loan](https://cashcofinancial.com/loans/) - [Buy Some Time](https://cashcofinancial.com/loans/buy-some-time/) - [Flex Loan](https://cashcofinancial.com/loans/flex-loans/) - Services - [Cheque Cashing](https://cashcofinancial.com/cheque-cashing/) - [Money Transfer](https://cashcofinancial.com/money-transfers/) - [Income Tax Services](https://cashcofinancial.com/income-tax-services/) - [The Village](https://cashcofinancial.com/village/) - About us - [Blog](https://cashcofinancial.com/about-us/blog/) - [Press Releases](https://cashcofinancial.com/about-us/news-room/) - [DEIB Initiative](https://cashcofinancial.com/dei/) - [Real World Stories](https://cashcofinancial.com/real-world-stories/) - [Pathway Report](https://cashcofinancial.com/about-us/cashco-pathway-to-purpose/) - [Careers](https://cashcofinancial.com/careers/) ** ![shift logo white](https://info.cashcofinancial.com/hs-fs/hubfs/shift%20logo%20white.png?width=227&height=111&name=shift%20logo%20white.png)** **Your Mindset With a Flex Loan** **Borrow up to $7,000 with a single, easy personal loan payment plan over 60 months.**  **No Hidden Fees. Fast Approvals, Easy Application. Same day loan**  [Apply Now](https://online.cashcofinancial.com/) ![header image alt colour 1-1](https://info.cashcofinancial.com/hubfs/header%20image%20alt%20colour%201-1.png) ## How to Apply Today! #### [Apply Online, Call or Visit our Branch](https://info.cashcofinancial.com/shift-loan#srevtab1) [Getting a loan with us is fast and easy. You can visit one of our 49](https://info.cashcofinancial.com/shift-loan#srevtab1)**[branch locations](https://branchlocations.cashcofinancial.com/)**, call us at 1-855-525-3410, or[**apply online.**](https://online.cashcofinancial.com/app) #### [Quick Decision Receive a fast decision on the same day and enjoy a personalized experience with our branch agents who will assist you promptly.](https://info.cashcofinancial.com/shift-loan#srevtab2) #### [Get Funds Expect cash in your account the same day. Celebrate as funds are transferred swiftly to meet your financial needs.](https://info.cashcofinancial.com/shift-loan#srevtab3) [Apply Today!](https://online.cashcofinancial.com/app) ## Why Shift to a Flex Loan? ![1-2](https://info.cashcofinancial.com/hubfs/1-2.png) ### Use it for Debt Consolidation Long-term funds are available for debt consolidation. With a 60-month repayment schedule, you can break free from the debt cycle and work towards financial stability. ![3](https://info.cashcofinancial.com/hubfs/3.png) ### Get Lower Fees & Interest Enjoy lower fees and interest rates with flexible terms for loan payments tailored to fit your lifestyle. Pay off your loan early with no penalty and save more in the long run. ![2-3](https://info.cashcofinancial.com/hubfs/2-3.png) ### Report to the Credit Bureau All payments are directly reported to the Credit Bureau, helping you rebuild and repair your credit score. Establish a solid credit history, especially beneficial for new Canadians. #### Flexible Repayment Options Tailor your repayment schedule to fit your financial situation, with loan payment terms up to 60 months available for manageable payments. #### No Early Payment Penalties Pay off your loan ahead of schedule without extra fees, allowing you to save even more on interest. #### Build & Improve Your Credit Score Every payment you make is reported to the Credit Bureau, helping you establish or improve your credit history opening doors to better financial opportunities. #### Flexibility Whether it's for car repairs, home renovations, or handling unexpected expenses, a flex loan provides the flexibility to meet your unique needs. #### Quick Funding & Easy Online Applications Apply online with ease and receive fast deposits directly into your account, ensuring you access funds promptly when needed. #### Credit Check? Rest assured; we consider various factors beyond just your credit score to maximize your approval chances. We strive to accommodate your needs and secure approval whenever possible. Our Loan offers terms ranging from 6 to 60 months with a fixed Annual Percentage Rate (APR).  The fixed rate is 35% with no administrative or document fees. For a $1,000 Flex Loan over 12 months, this yields a bi-weekly payment of approximately $45.84, resulting in a total cost of borrowing of approximately $191.24 ($1,191.24 including principal). ![Untitled design (3)](https://info.cashcofinancial.com/hubfs/Untitled%20design%20(3).png) "Great service, understood my case and made sure to be flexible when other locations were not. Was able to work out a great deal; would love to go back for another loan!" Cleo Malida ![picture for new site 1-1](https://info.cashcofinancial.com/hubfs/picture%20for%20new%20site%201-1.png) ![review section photos-20](https://info.cashcofinancial.com/hubfs/review%20section%20photos-20.png) ![Untitled design (3)](https://info.cashcofinancial.com/hubfs/Untitled%20design%20(3).png) "I highly recommend Teresa and cashco financial to anyone in need of financial assistance. Teresa was incredibly knowledgeable, patient, and helpful throughout the entire process. Their exceptional service and commitment to customer satisfaction set them apart from the rest" John Mary ![background of testimonials-19](https://info.cashcofinancial.com/hubfs/background%20of%20testimonials-19.png) ![review section photos-19](https://info.cashcofinancial.com/hubfs/review%20section%20photos-19.png) ![Untitled design (3)](https://info.cashcofinancial.com/hubfs/Untitled%20design%20(3).png) "I’ve been trying to get a small loan for awhile and been getting denied all over the place and my fiancé had call cashco to see if they could help and sure enough they helped me get a small loan. I am grateful that they could help me. Definitely would recommend them as they were very understanding and helpful." Katrina Wilson ![background of testimonials-18](https://info.cashcofinancial.com/hubfs/background%20of%20testimonials-18.png) ![review section photos-18](https://info.cashcofinancial.com/hubfs/review%20section%20photos-18.png) [![longLogo-02-1](https://info.cashcofinancial.com/hubfs/longLogo-02-1.svg "longLogo-02-1")](https://info.cashcofinancial.com/?hsLang=en) 4803 87 St NW #200, Edmonton, AB T6E 0V3 [Follow us on Instagram](https://www.instagram.com/cashco_financial/?hl=en) [Follow us on Facebook](https://www.facebook.com/cashco.fin/) [Follow us on Facebook](https://x.com/cashcofinancial) [Follow us on Facebook](https://www.youtube.com/channel/UC6eu9CC05q_DNGDyd9p_qRA) [Follow us on Facebook](https://www.linkedin.com/company/1358743/admin/dashboard/) Our Loan offers terms ranging from 6 to 60 months with a fixed Annual Percentage Rate (APR). In Saskatchewan, Alberta, and Ontario, the maximum APR is 48.99%, with a $5 document fee and a 10% administrative fee. For example, a $1,000 Shift Loan over 12 months with a 10% administrative fee results in approximately a bi-weekly payment of $54.15 and an approximate total cost of borrowing $394.47 ($1,394.47 including principal). In British Columbia, the APR is 55% with no administrative or document fees. For a $1,000 Shift Loan over 12 months, this yields a bi-weekly payment of approximately $50.40, resulting in a total cost of borrowing approximately $310.40.10 ($1310.40.10 including principal). Copyright © Cashco Financial 2024. All Rights Reserved. | Privacy Policy