Maximum charges permitted in Manitoba for payday loan: 14% of the principal. We charge: 14% of the principal. For a $300 loan for 12 days: Total cost for borrowing = $42 Annual Percentage rate = 425.83%


in Winnipeg, Dauphin, Morden, Portage La Prairie, Selkirk, The Pas, Winkler, Steinbach, Thompson.

MONEY, WHEN YOU NEED IT MOST

Put your mind at ease when unexpected expenses arise.

Instant Approval • Safe & Easy • Trusted by Canadians

$
800
1
New Brunswick
GET STARTED NOW

Fast & Flexible

Tailored financial solutions just for you

Repay your loan in 1, 2, or 3 installments — simple, transparent, and without extra charges.

1

Pay back in a single installment on your next payday.

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Split repayment into 2–3 equal installments at your pace.

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No extra fees or hidden interest — completely transparent.

Why Choose Black Silver Capital

Fast, secure, and transparent financial solutions designed for your peace of mind

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Fast And Easy

Forget those line-ups down at the brick-and-mortar joint. You can apply for this loan from the comfort of your couch. Our advanced assessment tools instantly determine your eligibility. Once approved, just sign your electronic agreement and watch for your money.

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Instant Payment

Once approved, you won't have to watch long for your money. In just 5 minutes our e-transfer will have the funds in your bank account. Black Silver Capital automatically debits your bank account for your payment. No fuss. What could be easier and more painless than that?

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Painless Repayment

We make it easy. With either the cash advance or more flexible payment plan you can repay in 1 to 62 days – depending on your pay cycle. Cash advance is one repayment, while the flexible plan allows 2 or 3 installments. The interest for each, though, is exactly the same.

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Fast & User Friendly

Getting the fast cash loan you need from Black Silver Capital is a better way to borrow because there's no paperwork, no faxing endless copies, only a fast and efficient online application. The entire lending process is automated and provides you with an answer instantly. Once approved, your money is sent to your bank account.

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Smart & Informed

We know that you want to be in control of your lending experience. Our agreements are clear. There's no hidden fees. Our easy to use tools help you assess the full costs of any borrowing decision that you make. We help you be a smart and informed borrower.

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Peace of Mind

Applying for a loan online requires sharing personal information. Protecting your security and privacy is absolutely essential to us. That's why we use the industry's state-of-the-art encryption technology and security protocols. All our online transactions are fully protected.

Simple. Fast. Reliable.

Your journey to financial freedom starts here

1

Apply in Minutes

Complete our streamlined application with just a few clicks. Share your basic information, select your preferred loan amount and repayment terms, and you're ready to proceed.

2

Instant Approval

Get your decision instantly with our advanced approval system. No waiting, no paperwork hassles — just a quick electronic signature and you're approved.

3

Money in Minutes

Receive your funds instantly via e-transfer. Available 24/7, your money arrives in your account within minutes of approval.

Ready to Get Started?

Maximum total cost of borrowing ranges from $100 to $1,500.
Flexible repayment, with a structured schedule on your payday.

Eligibility Requirements

Our Requirements Are Basic

Black Silver Capital - The hassle-free loan option designed for Canadians.

Requirements
  • ✓Are a Canadian citizen or Permanent Resident
  • ✓Live in a province where we do business
  • ✓Are 19 years of age or more
  • ✓Received the same income source for at least 3 months
  • ✓Have at least a monthly net income of $800
  • ✓Canadian bank account for the last 3 months with online banking
  • ✓Valid email, home address, and mobile phone
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Approval & Limits

Once you've filled out your application, our system gives you a decision almost instantly.

Most customers have their money in the bank the same day. Once you're approved and sign your agreement, our e-transfer system has the funds in your bank in 5 minutes.

Currently we offer loans between $100 and $1,500, with flexible repayment options.

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Income Requirements

Our minimum monthly requirement is an income of $800. Many sources, such as child tax credits and pensions, can be counted toward this total. Include such income sources in your application and we're ready to go.

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Repayment

We make repayment as easy as a dream. On repayment day, we debit the amount from the same bank account into which we made the original loan. Just ensure there are sufficient funds to cover the repayment—nothing else to worry about!

No Credit Check | High Approvals

Get up to $1,500 from a safe, trusted, licensed lender. Easy application. Multiple repayments, FAST e-Transfer.

APPLY NOW FOR INSTANT APPROVAL

We do things differently

Black Silver Capital is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people's lives.

Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we're there to help.

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Bad credit isn't a deal breaker

If you're worried about having bad credit, don't let that stop you. It's not the only criteria. We're much more interested in your ability to make your repayments.

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Don't worry about documents

It's an easy, real-time, streamlined process. We've already got the necessary evaluation tools. We don't need all those pieces of paper.

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Your pre-approval is minutes away

Any time of day, any day of the year, our fully automated decision system is ready to help you identify the best loan option to meet your needs. There's no stressful waiting for an answer. Every application is reviewed and answered in just minutes.

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Transparent costs

We want you to make the best informed judgment for you. All our fees are fully transparent and explained. Plus, we'll answer your questions and provide you the financial planning tools that you need to make the smart choice.

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