Need a bit more time? Can't make payment on your next payday? We are very flexible with repayment dates. Just let us know when you fill out the application form, and you can take up to 30 days to pay off your online payday loan.
Visiting a storefront is a huge inconvenience. Instead, just fill out our online application form. It takes less than five minutes, and you don't have to talk to anyone.
We know your time is valuable, so we don't want to waste it. It could take hours out of your day to go to a storefront, but with Instant Payday Canada you can get your payday loans fast, in as little as 15 minutes.
What are payday loans and cash advances?
A payday loan, or as you may have heard it called, a cash advance, is a loan of up to $1500 that is intended to be paid back within a week or so, at the time of your next scheduled payroll. This lets Canadians cover various surprise expenses that don't happen to fit into their existing budget. While payday loans Canada can be up to $1500, a typical loan will be for around $300-400. The fees are generally higher than that of a credit card, but they are far easier to obtain and they can usually be acquired even with bad credit or no credit at all. In fact, the greatest appeal of online payday loans is the simplicity of the application process. No fax payday loans, as the name suggests, require no faxing, as long as you can provide proof of employment via your online banking, and there are no paper forms to fill out. Also, unlike a bank loan application you will usually know whether you have been approved in 15 minutes or so. When the loan is due the funds are debited directly from your bank account by EFT (Electronic Funds Transfer). If you are late in payment there may be additional fees, but you can usually avoid them by contacting your lender beforehand.
What can I use them for?
You can use payday cash advances for anything you want: medical expenses, food, utilities, whatever. You should try to avoid using them for long term financial support if possible, but we aren't going to ask you any questions. It's your money and your business, and we strongly value and respect your privacy
Where can I get them?
Pay day loans are legally permitted in most provinces in Canada, including Ontario, BC, Alberta, Manitoba, Saskatchewan and Nova Scotia. We welcome prospective customers from all over Canada, including Toronto, Ottawa, Regina, Saskatoon, Vancouver, Kitchener, Hamilton, and Surrey. If we aren't currently serving your area, please let us know and we will look into licensing. If your province doesn't allow online cash advances, please write to your local legislator and let them know that there is consumer demand for the product.
How do I get one?
All you have to do is fill out the online application form and you will almost certainly be approved. It only takes about 2-3 minutes to complete the form and you can get your payday advance sent to your bank account. You just have to have a regular source of income that's over $1000 per month, be at least 19 years old, and have a phone number that we can get ahold of you at, and you're almost certain to be approved. The application is 100% secure and uses strong encryption to protect your personal information, so there is no risk involved. Get started today!
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