The Short Version: EMT Cash is free for you to use. We earn a referral fee from licensed lenders when we successfully connect them with a borrower. This fee is paid by the lender — never by you — and it does not change the rate, fees, or terms you are offered.
1. What This Disclosure Covers
This Advertising Disclosure applies to all content published on emtcash.ca, including comparison pages, guides, FAQs, and any page where lenders or loan products are mentioned, featured, or linked.
We publish this disclosure because we believe you deserve to know how a website that offers a "free" service actually earns money — and whether that money influences what you read. Canadian consumers are entitled to advertising that is truthful and not misleading, and we support that standard fully.
2. How EMT Cash Makes Money
EMT Cash operates as a loan referral (lead generation) service. We are not a lender, and we never charge borrowers for our service. Our revenue comes from the lending partners in our network:
- Referral fees — when you submit a loan request through our site and are successfully matched with a lender, that lender pays us a fee for the referral.
- Affiliate commissions — some links on our site are affiliate links. If you click one and complete an application or receive funding, we may earn a commission from the lender or their marketing network.
| Compensation Type | Who Pays It | What It Means for You |
|---|---|---|
| Referral fee | The lender | Nothing extra — your loan cost is set by the lender under provincial caps |
| Affiliate commission | The lender / ad network | Nothing extra — commissions never get added to your loan |
| Borrower fees | None — ever | EMT Cash never charges you to use this website or submit a request |
Compensation never affects your loan terms. The interest rate, fees, and repayment schedule you are offered are determined solely by the lender and capped by provincial law — regardless of what that lender pays us.
3. Our Lender Relationships
The lenders you may be connected with through EMT Cash are third-party companies that participate in our referral network. Our relationships with them are commercial: they compensate us for introductions to potential borrowers.
However, participation in our network is conditional. Every lending partner must:
- Hold a valid payday lending licence in each province where they lend
- Comply with provincial consumer protection and cost-of-borrowing rules
- Disclose all rates and fees clearly before you sign anything
Details of these requirements are set out in our Responsible Lending Policy.
4. How Compensation May Influence Our Content
In the interest of complete honesty, here is how compensation can and cannot shape what appears on this site:
What compensation MAY influence
- Which lenders appear — we can only match you with lenders that participate in our network. Lenders that do not partner with us will not appear, even if they offer competitive products.
- Placement and prominence — the order or visibility of lenders or offers may reflect our commercial arrangements.
What compensation does NOT influence
- Your loan offer — rates, fees, and approval decisions are made entirely by the lender
- Our educational content — guides, FAQs, and warnings about the cost of payday loans are written to inform, not to sell
- Our disclosures — we state the high cost of payday borrowing plainly, including APR examples, even where that may discourage applications
We do not review every product in the market. EMT Cash does not compare all lenders or all loan products available in Canada. Alternatives with lower costs — banks, credit unions, or government programs — may be available to you. See our Responsible Lending Policy for a list of lower-cost alternatives.
5. Editorial Independence
Educational content on emtcash.ca — how-to guides, explanations of provincial rules, and borrowing advice — is produced independently of our commercial relationships. Lending partners do not write, approve, or edit our editorial content, and they cannot pay to remove accurate but unflattering information about payday lending costs.
For details on how our content is created and fact-checked, see our Editorial Policy.
6. No Cost to You
Using EMT Cash is free, and it always will be:
- No fee to browse the website or read our content
- No fee to submit a loan request
- No fee to be matched with a lender
- No obligation to accept any offer you receive
If anyone claiming to represent EMT Cash ever asks you to pay an upfront fee to receive a loan, it is a scam. Legitimate lenders and referral services in Canada do not charge advance fees to release loan funds. Report any such request to us immediately and to the Canadian Anti-Fraud Centre.
7. Our Advertising Standards
All advertising and marketing content on this site is governed by the following commitments, consistent with the federal Competition Act, Canada's Anti-Spam Legislation (CASL), and provincial payday lending laws:
- No false or misleading claims — every statement about loan amounts, speed, or availability is accurate and substantiated
- No guaranteed approval — we never promise that you will be approved; approval is always the lender's decision
- Representative examples only — any rate or cost shown is illustrative and clearly labelled as such
- Clear sponsored-content labelling — if content is sponsored or paid for by a partner, it is identified as such
- CASL-compliant communications — we only send commercial electronic messages with proper consent and a working unsubscribe
- No exploitation of financial distress — our marketing does not use pressure tactics or target vulnerable borrowers
8. Not Financial Advice
Content on emtcash.ca is provided for general information only. It is not financial, legal, or credit advice, and it should not be relied on as a recommendation to take out any particular loan.
A payday loan is a high-cost form of credit. Before applying, consider whether a lower-cost alternative could meet your needs, and if you are in financial difficulty, speak with a non-profit credit counsellor. Free, confidential help is available across Canada through the Credit Counselling Society and the Financial Consumer Agency of Canada (FCAC).
9. Questions About This Disclosure
If anything on this page is unclear, or if you believe any advertisement or claim on our site is inaccurate or misleading, we want to hear from you. We review every report and correct verified issues promptly.
Contact Us About Advertising
Email: compliance@emtcash.ca | We respond within 3 business days.
This disclosure is reviewed at least annually and whenever our compensation model or applicable advertising regulations change. Updates take effect immediately upon posting to this page.