payday loan

Get Payday Loan Same Day or Sooner!

regulations payday loans act 2008
 
short term cash advance
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FAQs

What is a Payday Loans or Cash Advance?
A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers usually choose it to cover some unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With us you can apply for a loan online and have your money electronically deposited to your checking account or arrange a meeting and get cash.

What about Qualifying?
Qualifying for a loan is easier than qualifying for traditional credit. We perform credit checks with your permit. Your job and your paycheck act as your collateral and You need to meet the following requirements:
  • Currently have a job more then 3 month in same place
  • Make at least $1000 per month
  • Are 18 years of age or older and a Ontario resident
  • Have checking account with personal checks
How long does the process take?
Customers typically receive primary approval within 5 minutes of applying, we just need to run credit check and verify your employment. You can get cash immediately, as we arrange meeting or receive money electronically. There are 2 options: receive email and get money within 1 hour or get money directly into your checking account, and then you can usually have access to your funds the very next day.

*We have extended business hours.

What about collateral to receive a loan?
No. Your job and your paycheck are your collateral.

Do I need direct deposit?
No, you can receive your paycheck in anyway.



How are fees established?
Our fees are competitive and in compliance with all applicable state and federal laws.

Is there any additional application fees?
No, there are no hidden fees, only the loan fee of $25 per each $100.

What are the administration fees for?
Administrative fees cover banking fees, transactional costs, staffing costs and other day to day operating costs. Due to the short term of the loan (maximum of 31 days) and the small size of the loan, these costs may be higher than other lending institutions.

How often should I use this service?
Whenever an immediate or urgent need arises, we are here to help you.

How is the payday cash advance loan amount determined?
The law regulates and limits the maximum advance amount to between $100 and $1500. Within that range, you qualify for a payday advance amount based on your current income and your history with us. Your credit built while you take loan and pay out the loans on time.

Why is there so much information in the Loan Agreement?
The Agreement is a contract that complies with all applicable state or federal disclosure requirements. It completely outlines the terms of the payday advance, including the cost of the service fee both as a dollar amount and as an annual percentage rate (APR).

How soon do I have to pay back the loan?
The loans are generally repaid back when you receive your next paycheck. Of course you may also pay back your loan at anytime without any prepayment penalties.



What if I canít repay the payday loan in full on my due date?
We have different payment options available for our customers:
  1. Paying the loan in full on the maturity date listed on your loan agreement*.
  2. Paying the finance fee and a portion of the principle on or before the maturity date*.
  3. Paying only the finance fee on the maturity date*.
*Some additional terms and conditions may apply. Please ask your loan consultant about all of the repayment options.

If I am approved, how do I get my money?
We deposit the cash directly into your personal bank account within 48 hours. You also can receive money within 1-2 hours using our system in case you have online banking and secure email*.
* Secure email defined any paid email, not email, hotmail, yahoo or gmail.

How do I pay you back?
We debit your bank account on your next scheduled pay day for the full loan amount.

I have a small pay cheque this time; can I skip my payment till my next pay?
A payment can not be skipped.

Is employment verification optional or mandatory?
We do need to call and speak with your Human Resources or Payroll department. Our staff is very discreet when verifying your employment and do not disclose where we are calling from.

Can I borrow additional money before payout the previous loan?
Yes, you can borrow additional money, as long as you do not exceed your limit. All clients have a limit applied to their individual account based on their history and paycheck.

Is there any geographical limits or restrictions?
At this time, we offer loans to residents of Ontario only.

How to Make a Payment?
We have 4 Ways to Make a Payment.
Please read how to make a payment here: 4 Ways to Make a Payment




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* The cost of borrowing is $21 per $100 borrowed.