What is a cash advance or payday loan?

It's a short term loan until your next payday. A payday loan works by allowing you to borrow money against your next paycheck.

What are the requirements to get a payday loan?

Requirements to get a payday loan are minimal and easy to meet! Simply complete our online application form. In general, consumers must have an active checking account in good standing, have been employed for at least 2 month and have a telephone number. Most lenders require that the borrower be at least 19 years old and make a minimum of $1000 a month.

How much money can I get?

You can apply for a loan between $100 and $1,500. The amount you are approved for will be determined by the lender assigned to your application.

How do I get the money?

After your payday loan is approved, the money is electronically deposited directly into your checking account or send to you via Email Money Transfer.

Can I still get a loan if I have bad credit or a bankruptcy?

Yes! Remember, bad credit is okay for a cash advance or payday loan! Your credit rating doesn't matter. Bankruptcy , charge offs, bounced checks, and other credit issues don't affect your ability to get a payday loan.

How long does it take to fill out the application?

It will take you only a few minutes to fill in the online application! Most loans are funded the same (via Email Money Transfer) or very next business day (via Direct Deposit)!

Will I need access to a fax machine or printer?

No, most of our Canadian payday loan lenders provide a faxless payday loan application.

How much does it cost?

The fees will vary depending on the amount of payday loan and the lender. Your lender will notify you of the exact fee for your loan at the time your application is submitted. Payday loans are usually more expensive that traditional loans, but you get the convenience of receiving the loan right away. Payday loans fees range between $15 to $18 per $100 borrowed.

If I already have a payday loan outstanding, can I still qualify?

Yes, of course! Even with another loan outstanding, you may still qualify for a payday loan. Just be sure to disclose the outstanding loan on your application form.

How and when do I repay the loan?

The loan amount and loan fees are withdrawn from your bank account automatically on the due date of your loan. You don't even need to think about it! You don't need to make any payments or visit any store.

When can I apply for another loan?

You can apply for another loan once your loan payment clears your bank account! Applying for a payday loan with the same lender for the second time is very easy and literally takes seconds.

Can I extend or refinance an existing loan?

Due to payday loan regulations in place, licensed lenders do not extend payday loans. You will have to pay your loan in full on your next payday, but you can get another loan for the same or even greater principal amount once your loan payment clears you bank account.

How do I change or update my personal information?

You can change your personal information by login in into your online account on the lenders website. Once you submit your new information, it will be then be updated in the lenders system.