A payday loan is a short term loan that is designed to help you in those times of need when you need a little extra cash to cover unexpected expenses before your next paycheck. Payday loans are meant to be used only as a last resort option and they work by allowing you to borrow money against your next paycheck. Loan amounts are typically between $100 and $1500.

Customers simply fill out our secure online application form and we match them with a lender. If you are matched, you will be presented with the next steps to complete your loan request. Remember, you will have the option to review the terms of the loan and it is up to you whether you choose to approve or decline the loan being offered.

We do not perform credit checks. However, we cannot guarantee that a credit check or consumer report will not be performed by a lender.

We do not make credit decisions or determine the rates and fees. Once you complete your loan request, you will be matched with a lender who will provide you with information on their rates and terms. Remember, there is no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

You can submit a request for a short-term loan if you meet the basic criteria:

  • You must be employed
  • You must be 18 years of age or older and a citizen or permanent resident of Canada.
  • You must have an active source of income
  • You must be paid by Direct Deposit or Cheque
  • You must have a current phone number and valid email address.

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    You can request a short-term loan from $100 to $1500. The amount you are approved for will be determined by the lender you are matched with.

    After your short-term loan is approved, the money will be deposited directly into your checking account. Many short-term loans are funded the same or very next business day!

    Yes, it is still possible to get a loan with bad credit or a history of bankruptcy. Bankruptcy may be a decisioning factor that lenders in our network use. However, you are welcome to submit a short-term loan request on our website.

    In most cases, you do not need a fax machine or printer in order to use our services. It is advisable to print out your loan contract for your personal records, although it is not required.

    In some cases, the lender assigned to your application may require that you fax in additional information, such as a copy of your recent pay stub or bank statement. Staples, Office Depot, and other stores offer fax services if you do not have access to a fax machine.

    This can depend on applicable laws. However, even with another loan outstanding, you may still qualify for another short-term loan. Just be sure to disclose the outstanding loan to your lender.

    You don’t even have to think about it! The loan amount and fees relating to your loan will be withdrawn from your checking account automatically on the due date of your loan. It is no longer necessary to visit a store to make your payment. You may also request an extension of the loan if you need it by contacting your lender before the due date. There may be additional fees that apply to loan extensions. Consult your lender for more details.

    Each lender in our network will have a different policy regarding late payments. It is important that you review and understand the late payment policy specified in the lender’s loan documents before accepting the loan terms and signing the loan agreement.

    You can apply for a short-term loan at any time. Filling out an application is completely free no matter how many times you submit.

    Once you submit your loan request, you will receive an email or phone call from a lender within a few minutes letting you know the status of your application. Make sure you check your email, spam folder and voicemail.

    Your privacy is protected by state-of-the-art security technology. Every piece of information is securely encrypted with a 256-bit SSL certificate to ensure your complete privacy and security. You can find more details by reading through our Privacy Policy page.