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Within seconds of submitting your application, we will let you know if you have been pre-approved. Direct Deposit into a consumers account is free. Consumers with credit difficulties should seek credit counseling. However, sometimes an emergency strikes and you need funds immediately. Rather, they are intended to solve urgent but temporary cash-flow needs.

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Online Loan Application

There are usually options available, such as asking your friends or family for some money to tide you over, and if you have a credit card you might be able to get by on it or even get a cash advance.

If you have a few days or weeks you could talk to a bank and get a regular loan. However, sometimes an emergency strikes and you need funds immediately. In cases like this, My Canada Payday can help you with a payday loan. With most storefronts you need to repay at the store, meaning you have to take another drive when your paycheck arrives. On the other hand, we are a trusted, government certified, Canadian owned payday lender. You can complete the entire process from the comfort of your own home.

Our application process is completely secure, using top of the line encryption and security. Our respectful and well trained staff are on hand to help you with any problems that you have, and they won't ask you any questions about what you need the funds for. The application process takes less than five minutes, and you'll get a response immediately in most cases. Once your loan is approved, the funds will be deposited directly into your bank account. When the payment is due, the funds will be taken directly out of your bank account.

APR rates are subject to change. Material Disclosure The operator of this website is not a lender, loan broker or agent for any lender or loan broker. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender.

This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product.

Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments.

The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws.

Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions Residents of some states may not be eligible for some or all short-term, small-dollar loans. The states serviced by this website may change from time to time, without notice. Credit Implications The operator of this website does not make any credit decisions. By submitting your information, you agree to allow participating lenders to verify your information and check your credit.

Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period.

Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender.

Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help.

Consumers are encouraged to consult the federal, state, and local governements to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state.