FAQs

Frequently Asked Questions

What is a Payday Loan?

A payday loan is a short-term loan which is typically re-paid within a 7-30 day time period. The purpose of a payday loan is provide you with quick and easy access to your pay check before its regularly scheduled pay date. Anyone over 18 years of age who holds employment and a valid bank account can qualify for an online payday loan.

What is Required?

To get an online payday advance you need to be over 18 years of age, employed and earning at least $1,000 per month. You’ll also need a valid bank account.

Are There Late Fees?

If you’re going to be late repaying your loan make sure to contact a representative in advance to avoid unnecessary fees. A late payment incurs late fees.

How Does it Work?

An online payday loan is easy to obtain. Simply complete the 3 minute online form and click submit. Your decision will be automatically generated and you’ll usually have your funds within 24 hours. All you’ll need is your bank account details, employment and personal information to complete the online loan application.

When Will I Get My Loan?

Online payday loans are usually available to the borrower within 24 hours but it can take as long as 48 hours depending on your application.

How Much Can I Borrow?

You can borrow from $500 and up to $50,000 with our personal loan or car loan option, the amount you can borrow also depends on your income amount.

Is Bad Credit Accepted?

Payday loans differ from bank loans in that loan approval doesn’t depend solely on your credit rating. Payday lenders approve loans based on a persons ability to repay rather than on their past financial history. That means, you can get an online payday loan with poor or no credit as long as you have a steady source of income.

How Do I Get My Cash?

Your payday loan will be issued via Interac Email Money Transfer or direct deposit to your bank account.

Are We Open 24/7?

We’re open 24 hours a day, 7 days a week for your payday loan needs. We’re even open on holidays.