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.

SITEMAP

Canada’s most accessible loans

Black Silver Capital Logo

Legal

British Columbia


New Brunswick


Manitoba

Nova Scotia


Ontario


Saskatchewan

Help

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 5 minutes of approval - no waiting, no delays.

Ready to Get Started?

Maximum total cost of borrowing ranges from $100 to $1500, without any minimum repayment period.

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
  • ✓Are in possession of a Canadian bank account for the last 3 months from which you can do online banking
  • ✓Have valid email and home address, and a mobile phone
⚡ 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.
$ Income Requirements
Our minimum monthly requirement is an income of $800. Many sources, such as child tax credits, ODSP benefits, and pensions, can be counted toward this total. Include such income sources in your application and we're ready to go.
↻ 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.

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.


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.

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.


Transparent costs

We want you to make the best informed judgment for your situation. 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.

Google Play QR Code Android
App Store QR Code iOS

Payday Loans are high-cost loans. Loan amounts depend on net pay and other qualifying requirements.

British Columbia Residents: The maximum fee allowed for a Payday Loan in BC is 14% of the principal. We charge $14 per $100 borrowed. For example, a $300 loan over 14 days has a total borrowing cost of $42, requiring repayment of $342, with an APR of 365.00%

Manitoba Residents: The maximum allowable charge is 14% of the principal. We charge $14 per $100 loaned. Example: A $300 loan for 12 days costs $42 to borrow, with total repayment of $342 and an APR of 425.83%. Contact Manitoba Consumer Protection Office at 1-204-945-3800 or visit gov.mb.ca/cp/cpo.

Nova Scotia Residents: Cost of borrowing is $14.00 per $100 on a $300 loan for 14 days (365.00% APR).

Ontario Residents: Maximum cost is $14 per $100 borrowed. We charge $14 per $100. A $500 loan for 14 days costs $70 to borrow, with total repayment of $570 and an APR of 365.00%.

Saskatchewan Residents: Maximum cost is $14 per $100 borrowed. We charge $14 per $100. A $300 loan for 14 days costs $42 to borrow, with total repayment of $342 and an APR of 365.00%.

APPLY