Cash 4 You
Cash 4 You is a privately held Canadian consumer finance retailer operating 100+ stores across Ontario with online payday lending in Ontario and British Columbia. It serves underbanked consumers with payday loans, installment loans, cheque cashing, and money orders under the "Evolve Money Solutions" brand.
- Company typePrivate
- Founded2001
- HeadquartersCambridge, Canada
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Cash 4 You does
Cash 4 You is a privately held Canadian consumer finance retailer headquartered in Cambridge, Ontario, founded in February 2001. The company operates more than 100 physical storefronts across Ontario and offers online payday loans in Ontario and British Columbia, serving underbanked and unbanked consumers who lack access to traditional banking or prime credit products. Its product portfolio spans short-term single-payment payday loans (up to $1,500, regulated at $14 per $100 borrowed), larger installment loans ($500-$20,000, 6-84 month terms), cheque cashing, money orders, a Loan Protection Plan, and a credit-building product called CreditBoost™. The company is positioned under the "Evolve Money Solutions" sub-brand, signaling a deliberate move beyond pure payday lending.
The business generates revenue primarily through transaction fees on payday loans and cheque cashing, plus recurring interest income on installment loans. Pricing is constrained by provincial regulation, with identical $14/$100 caps in Ontario and BC; disclosed APRs are approximately 365% on a 14-day payday example and 34.37% on a 12-month installment example. Distribution combines retail storefronts with a self-serve online application platform (secure.cash4you.ca) that approves loans within roughly 60 minutes and disburses funds via Interac e-Transfer or in-store cash pickup, alongside phone applications handled by Customer Service Representatives. Marketing is light-touch: a toll-free line, store locator, Trustpilot presence, direct mail, and a referral program.
Operationally, Cash 4 You is founder/management-owned with no disclosed PE/VC equity, 101-250 employees, and a $32.2M credit facility from Comvest Credit Partners dated January 2018 supporting loan portfolio growth. The company reports 56 consecutive quarters of growth and claims to have served "millions of Canadians" since founding, with AODA accessibility compliance in place. The technology stack is utilitarian — no AI/ML, no mobile app, no disclosed proprietary credit models beyond standard soft and hard credit checks.
Cash 4 You firmographics
Firmographics- Name
- Cash 4 You
- Legal name
- Cash 4 You Corp.
- Website
- https://cash4you.ca
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Cash 4 You is a privately held Canadian consumer finance retailer operating 100+ stores across Ontario with online payday lending in Ontario and British Columbia. It serves underbanked consumers with payday loans, installment loans, cheque cashing, and money orders under the "Evolve Money Solutions" brand.
- Ownership category
- akta.pro rank
Cash 4 You industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Cash Advance (Online & Storefront) (FSAKAMAC)
- akta.pro secondary industries
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI), Check Cashing with Deferred Presentment (FSAKAMAL), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where Cash 4 You is headquartered
LocationHeadquarters
- HQ city
- Cambridge
- HQ country
- Canada
- HQ region
- North America
Offices2 records
Markets served
Cash 4 You business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Payday Loan Interest and Fees: Short-term loans with fees calculated per $100 borrowed. In Ontario, $14 per $100 with a maximum of $1,500. On a $500 loan for 14 days, cost of borrowing is $70 with total repayment of $570, resulting in 365% APR.
- Installment Loan Interest: Larger loans from $500 to $20,000 repaid over 6 to 84 months. Example: $1,000 loan for 12 months costs approximately $99.66/month with total payback of $1,196.02 and 34.37% APR.
- Cheque Cashing: Instant cheque cashing services for payroll, government, tax refund, money orders, insurance settlement, and small business cheques. No bank account required.
- Money Orders: Money order issuance services at Cash 4 You locations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Payday Loans: up to $1,500, short-term single payment |
| Subscription | Monthly | Installment Loans: $500 to $20,000, repaid over 6-84 months |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Cash 4 You product offering
Product offeringCore offering
Cash 4 You provides short-term payday loans up to $1,500, installment loans ranging from $500 to $20,000 with repayment terms of 6 to 84 months, cheque cashing for various cheque types, and money order issuance. The company serves underbanked and unbanked consumers across Ontario and British Columbia through a combination of 100+ physical retail locations and an online application platform. Lending is delivered via Interac e-Transfer within 60 minutes of approval for online applications, or cash pickup in-store.
Product overview
Cash 4 You is a Canadian payday loan and financial services company offering a portfolio of lending and cash services. The core products are Payday Loans (short-term loans up to $1,500 repaid on the borrower's next payday) and Installment Loans (medium-term loans from $500 to $20,000 with repayment terms from 6 to 84 months). These core lending products are complemented by credit-building tools (CreditBoost™), cheque cashing services, and money orders. The company also offers a Loan Protection Plan as an add-on and runs a Referral Program for customer rewards. The product ecosystem is designed to serve underserved Canadians who need alternatives to traditional banking, with services available both in-store and online. The company operates exclusively in Ontario and British Columbia.
Differentiator
Problem solved
Functional benefit
Brands
- CreditBoost™: A credit-related product or service offered by Cash 4 You for existing customers to access additional funds or manage their credit.
- The Payday Loan People®
- Live Loans Centre™
- Evolve Money Solutions
Products and services
- Payday Loans
- Installment Loans
- Cheque Cashing
- Money Orders
Quantifiable outcome
- Loans approved within 60 minutes on average for online applications
- +1 more outcomes
Companies that use Cash 4 You
Customer profileSegments3 records
Ideal customer profiles3 records
Cash 4 You technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Cash 4 You partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
Cash 4 You competitors and assessment
Company assessmentDirect peers
- Money Mart: One of Canada's largest payday loan and cheque-cashing chains with both storefront and online channels across multiple provinces. Directly comparable to Cash 4 You on product mix, customer segment, and multi-channel distribution model.
- Cash Money: Canadian payday lender and cheque casher with multi-province store footprint, serving underbanked consumers with short-term credit and ancillary financial services. Comparable in customer base, pricing model, and retail distribution strategy.
- Cashco Financial: Western Canada-based alternative financial services provider offering payday loans, instalment loans, cheque cashing, and money orders through a storefront network. Comparable on product suite and target customer, with a competing geographic footprint in BC and Alberta.
- easyfinancial: Canadian consumer lending brand (parent: goeasy Ltd.) offering installment loans, lines of credit, and auto loans to near-prime and subprime borrowers. Comparable to Cash 4 You's installment loan product on customer segment, ticket size, and unsecured credit underwriting.
- Fairstone Financial: Canadian personal loans provider offering installment loans up to $25,000 to consumers with imperfect credit, distributed via a national branch network and online. Closely comparable to Cash 4 You's installment loan product and underbanked target segment.
Emerging players
- GoDay: Online-only Canadian payday and short-term installment lender targeting the same underbanked consumer segment as Cash 4 You. Comparable on product and customer, but competing primarily through a digital channel without the 100+ physical storefront presence.
- iCash: Canadian online short-term loan provider offering payday-style and installment loans to underbanked consumers in multiple provinces. Comparable product set and customer, with a digital-first model that competes directly with Cash 4 You's online channel.
- My Canada Payday: Online Canadian short-term loan broker and direct lender connecting underbanked borrowers with payday and installment credit. Comparable customer segment and product type, though primarily digital and broker-based rather than retail-led.
Broad incumbents
- Advance America: Largest U.S. storefront and online payday and installment lender with thousands of locations. Comparable core business model, customer segment, and product suite, operating in a similar regulatory-perimeter environment with comparable unit economics.
- CURO Group Holdings: Public North American consumer finance company operating storefront and online payday, installment, and line-of-credit products across the U.S., Canada, and the U.K. Comparable in scale and multi-product, multi-channel model, providing a public-market benchmark for Cash 4 You's category.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Cash 4 You social profiles
Digital presenceCash 4 You compliance and trust
Trust signalCompliance1 record
Cash 4 You financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cash 4 You leadership team
Management profileNumber of profiles
Cash 4 You funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cash 4 You M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cash 4 You
What does Cash 4 You do?
Cash 4 You provides short-term payday loans up to $1,500, installment loans ranging from $500 to $20,000 with repayment terms of 6 to 84 months, cheque cashing for various cheque types, and money order issuance. The company serves underbanked and unbanked consumers across Ontario and British Columbia through a combination of 100+ physical retail locations and an online application platform. Lending is delivered via Interac e-Transfer within 60 minutes of approval for online applications, or cash pickup in-store.
Is Cash 4 You a public or private company?
Cash 4 You is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Cash 4 You founded?
Cash 4 You was founded in 2001. It employs 101 to 250 people.
Where is Cash 4 You based?
Cash 4 You is headquartered in Cambridge, Canada, in the North America region.
How does Cash 4 You make money?
Four revenue lines are on record. Payday Loan Interest and Fees are the primary driver. The others are installment Loan Interest, cheque Cashing and money Orders.
Who are Cash 4 You's main competitors?
Direct peers on record are Money Mart, Cash Money, Cashco Financial, easyfinancial and Fairstone Financial. Emerging players are GoDay, iCash and My Canada Payday. Broad incumbents are Advance America and CURO Group Holdings.
Does Cash 4 You have an API?
No public API is recorded for Cash 4 You.
What industry is Cash 4 You in?
Cash 4 You's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAMAC, Cash Advance (Online & Storefront), with a secondary code of FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday). Its NAICS code is 522 and its SIC code is 6141.