Now you can access InstantPaydayCanada.com payday loans direct from your mobile device!
You can apply from your smart phone, download our smart phone app - and even receive the money on your phone!
Please fill out our easy to use Mobile Application Form to continue, or continue reading for more information.
We are a 100% Canadian owned and operated business, and a fully licensed Payday Lender. We provide payday loans in Ontario , British Columbia payday loans and Saskatchewan Payday Loans.
We understand the sense of urgency our customers feel when applying for a payday loan. That's why InstantPaydayCanada.com has streamlined the lending process, by eliminating the storefront location typical to payday lending and shifting all operations online. Instant Payday Canada customers don't have to waste their time commuting, standing in line, and waiting for paperwork to be filed, but rather can submit a loan application online, with approvals in as little as 15 minutes. Other lenders can take hours or even days to process and approve applications. For returning customers, we offer payout by Interac Email transfer, allowing you to get paid within minutes of when you applied.
At InstantPaydayCanada.com, we don't believe that payday lending should be stressful. If you have any questions or concerns, or would like us to walk you through an application over the phone, our knowledgeable and helpful customer service representatives are standing by to assist you. Simply call us at 604-630-4783 or drop us an email at getpaid@instantpaydaycanada.com. We're happy to make your satisfaction our utmost priority.
Q: How does your process work?
A: We pride ourselves on the ease of our process, which can be completed online and using your phone!
There is no faxing, visiting a store, or signing paperwork required... and if you're fast, it takes less than 15 minutes!
Once your loan is approved, we will pay you by Interac email transfer (for returning customers) or EFT Direct Deposit (for first time loaners or those whose bank does not support Interac Email transfer) if you are from BC, Saskatchewan or Nova Scotia. Returning reloan customers can have their money in as little as 15 minutes, while first time customers will see the funds the next business day. In Ontario, your loans will be issued via Interac Email Money Transfer only. Here is the complete list of steps, in order:
A: Short answer: As soon as our payment shows in your on-line banking, send us another screen capture of your web banking. It's that quick! See Reloans, Below
Q: What do I need to qualify for a loan?
A: To qualify with us, you need to be employed (not self-employed) at a job that is local to you, and you must be paid regularly. You must be paid by Direct Deposit or cheque. You will need to provide proof of your income by submitting screen captures of your web-banking using our InstantPaydayCanada application. We require a complete 60 days of banking history. Occasionally, we will also require a fax of a void cheque, recent paystubs, a recent utility bill or other proof of address, or a bank stamped direct deposit authorization form.
Once we have the information we need, we evaluate each loan application individually. You will be informed by e-mail whether you qualify, usually on the same day as your application.
A: Sorry, but not at this time. You must be actively employed and working.
Q: I am having trouble entering my birthdate, or other dates, on your form. How do I enter a date?
A: Dates on our form are entered in this format: YYYY-MM-DD. So for example, March 1st, 1981 would be entered as: 1981-03-01.
Christmas day 1975 would be: 1975-12-25.
Q: I do not have any paper cheques. Where do I find the correct banking information?
A: If you do not have any paper cheques, you will need to visit your bank and ask them for a Pre Authorized Debit Form (PAD). The teller will be able to print one of these out for you. It looks like a printout of a void cheque. Use this printout just as you would a normal cheque to type in your Institution, Transit, and Account numbers. See the picture at the bottom of the application form for further instructions. Do not just type the transit and account number out of your web banking! The numbers shown here are usually not the same as the numbers on your PAD/cheques. If you type in what you see on your screen, it may cause up to a 3 business day delay in getting your money! If you are confused by what to type, please call us first!
A: Many people complete the entire application process in just a few hours. If you are one of these people, and it is your first loan from us, you can expect your money to arrive the next business day. If you are a returning customer back for a reloan, you are eligible to get paid by Interac Email transfer, meaning you will have your money the same day, in about 15 minutes from when we do final approval of your loan.
Q: How much will it cost me to take a loan for $___?
A: In BC and Saskatchewan, we charge 23% of the Principal, so for each $100 you borrow the fee is $23. For example, a $300 loan means you are paying us back $369 on your next payday.
A: In Ontario; we charge 21% of the Principal, so for each $100 you borrow the fee is $21. For example, A $300 loan means you are paying us back $363 on your next payday.
Q: Where can I learn more about payday loans in general?
A: Please take a look at our articles
Q: Can I borrow until 2 paydays from now?
A: No problem! Once you're finished your application and screen captures, just e-mail or call us and we can set that up for you. * Loans may not exceed 60 days in length.
Q: I applied but was told that I do not qualify at this time. Can I re-apply later?
A: If your situation changes and you believe you might re-qualify, then please use the InstantPaydayCanada application to capture an up-to-date 60 day history of your web banking. There is no need for you to fill out another complete application. A customer service rep will be happy to update your file and re-submit your old application for review. Please remember that we can only process one aplication per 30 days.
Q: How do I know that you are a legitimate business and/or a legal payday lender?
A: Since November 1st, 2009, all payday lenders in British Columbia must be licensed by Consumer Protection BC.
InstantPaydayCanada is 100% Canadian owned and operated. Our Consumer Protection BC payday lending license number is 52546, our Saskatchewan payday lending license number is 511325, and our Ontario payday lending license number is 4721539.
A: We are open from 8AM - 8PM Monday to Friday, 9AM til 5PM Saturdays, Sundays and Holidays. All times are in PST.
A: Our main office is in Surrey.
A: This depends on how far you got: If you did not finish filling out the first application form, you will have to start over. Your web browser should remember most of the things you typed into each field though, if you hit the down arrow key on each field.
If you filled out the application form but did not download and install the screen capture program yet, you should check your e-mail and find one from us titled "InstantPaydayCanada - Your loan is ready!". This e-mail contains a link to download download the Bank Capture application, as well as instructions on what to do.
A: To apply for a reloan, simply take a new screen capture of your web banking. We will need to see a complete history back to the start of your last loan (or 60 days). We will see your submission and get back to you, usually within 15 minutes if we are open.
If you wish to borrow less or more than last time, send us an e-mail to getpaid@instantpaydaycanada.com or use the contact us form on the web site and let us know how much you'd like to borrow. We will update your application and contact you.
Q: My loan was paid back today. When can I apply for a reloan?
You can apply as soon as your online bank statement shows our payment coming out of your bank account. For detailed instructions, see our reloan guide.
Q: How much can I borrow on a reloan?
If this is your second loan for us, and your employment / paycheque situation has not changed, then you will be eligible for a loan of the same amount again.
Starting with your third loan, you will be eligible to borrow a little more each time. Give us a call or an e-mail to discuss an increase. However, we may not legally lend you more than 50% of your total take home pay amount.
Q: I need to move my repayment date! What do I do?
A: Please give us a call at 1-877-730-8402, or e-mail us and let us know the details and a good time to call you back. Our usual policy is not to extend repayment dates any futher than one more paycheque.
Q: Unfortunately, my payment has bounced. What now?
A: If your payment has bounced, you will start receiving e-mails from us asking you to get in touch with us. Even if these have not arrived yet and you notice the bounced payment in your web banking, you should call us right away. Failure to contact us in a timely fashion will probaby result in extra NSF charges for you (which can be as high as $60 per failed payment). Once we talk to you we can adjust our system not to attempt a payment until an agreed upon date when the money will be in your account.
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