A six-tier services membership built for Canadians the banks turned down. Pick a package, receive your cashback within 24 hours, and keep your subscription for the term. No loan. No interest. No credit check.
Cashforward is a services subscription, not a loan. You pay the same flat monthly fee each month and the cashback is yours to keep.
Six tiers from Bronze ($250 cashback) to Elite ($2,500). Choose what you need today — no credit check, no waiting on an underwriter.
We send your cashback by Interac e-Transfer within 24 hours of your first payment clearing. Usually it lands the same day.
Identity protection, credit monitoring, coaching, bill negotiation and more — active from day one through your term.
Your term runs 3 to 6 months depending on package. After your final payment, you're free to leave or renew — no penalty.
Every Cashforward package includes the same three pillars of service. Higher tiers add bigger cashback and longer membership — but the services themselves remain the same.
Bank-grade encryption around every payment, plus identity-theft protection that goes beyond your bank's.
Apply online, get approved without an underwriter, and receive your cashback the same day in most cases.
Every on-time payment is reported to both Canadian bureaus. The included services are designed to keep momentum going.
Every package includes the same three pillars of service. Higher tiers deliver bigger cashback at signup and run for a slightly longer term.
We don't run a credit check and we don't ask about your score. If you meet these four criteria, you're approved.
Living in any of the 10 provinces. Permanent resident or citizen.
19+ in BC, NB, NS, and NL — provincial age of majority applies.
Employment, self-employment, EI, ODSP, CPP, and pensions all qualify.
Needed to send your cashback by Interac e-Transfer and collect your monthly payment.
"I was turned down by three banks. Cashforward funded me the same afternoon and my score is up 64 points in six months."
"The bill-negotiation thing alone saved me $47 a month on my phone plan. The membership basically pays for itself."
"My coach helped me file taxes for the first time in four years and I got $2,100 back in benefits I didn't know about."
No. Cashforward is a services subscription, not a loan. You commit to a fixed number of monthly payments (3 to 6 depending on the package you choose), and the cashback we send you at signup is yours to keep regardless. There is no interest, no APR, no repayment schedule, and no collections agency.
Pick by how much cashback you need today. Bronze ($250 cashback, 3 payments of $149.99) is for smaller needs. Gold ($1,000 cashback, 3 payments of $538.99) is our most popular. Elite ($2,500 cashback, 6 payments of $639.99) is the largest. Every package includes the same three pillars of service — security, immediate response, and financial-health building.
Subscribing has no negative impact on your score — there is no credit check at signup. Better yet, your on-time monthly payments are reported to Equifax Canada and TransUnion Canada as a positive trade-line, which most members find improves their score within a few months.
After your final monthly payment, your obligation is complete. You can renew into a new package, downgrade to a basic month-to-month plan, or walk away entirely. There is no exit fee and no penalty for choosing to leave.
You agreed to a fixed number of monthly payments when you subscribed, so the remaining payments come due immediately. We don't take cash you don't have — we work with you on a payment plan. We also don't send accounts to collections or charge late penalties beyond a one-time $15 fee per missed payment, capped.
Most of our members come to us with an urgent expense — rent, car repair, a utility shutoff. Cashback at signup means we can help today, while the credit-building services work in the background. We can offer it because the services in the bundle have real value, and the multi-month commitment makes the math work for us.
Six packages, $250 to $2,500 cashback. Subscribe in under five minutes and your cashback lands within 24 hours. No credit check. No catch.
Choose a package →