What is a payday loan or cash advance?

A payday loan or cash advance is an unsecured, short-term cash loan designed to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties

What can a payday loan be used for?

The use of a payday loan is at your discretion. Many people use them to meet an unexpected expense, or to pay off some bills. You use the money as you see fit.

How much can I borrow?

You can apply for a loan between $100 and $1,500. The lender will decide, based on your application, how much you can qualify for. After successful repayment of your loan, your loan amount may increase on any future loans.

How do I qualify for a payday loan?

To qualify for a payday loan, you must:

  • Be a citizen or resident of Canada
  • You must be at least eighteen (18) years old
  • You must be currently employed
  • You must have an active bank account

What is the procedure to apply for a payday loan online?

Complete and submit the application found on our website. The application itself takes just a couple of minutes. In most cases the application is reviewed and approved instantly.

What information do I need to complete the application?

We need your name, address, contact details, employment information, and banking details in order to complete your payday loan request.

How and When do I get the money?

The money is deposited into your bank account by electronic transfer usually within 24 hours of being approved.

Is my personal and financial information secure?

We respect our customer's right to privacy in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive data transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Is there an application fee?

This website does not charge a fee to the applicant. The cost of the loan will vary by the lender, the amount of the loan and the province in which you live. Before you agree to the terms, please review them carefully.

Does submitting an application obligate me to take out a loan?

No. Submitting an application simply states that you wish for one of our agents to approve and contact you to discuss your payday loan options. You may ask us any questions, and withdraw your request if you choose to do so.

What if I have bad credit?

Even with bad credit you can still qualify for a payday loan. Your credit score is not a factor in receiving the loan in most cases.

How is the loan repaid?

The loan amount and applicable fees will automatically be deducted from your bank account on the due date of the loan. You do not need to do anything.

Can I extend an existing loan?

No. Canadian regulations ban the practice of extending loan due dates. You must pay it back in full on the due date.