Canada
Payday Loans

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Payday Loans Canada

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    What is a Payday Loan?

    A Payday Loan is a small, short-term loan for an unexpected purchase or surprise bill. It's also known as a Cash Advance or Payday Advance. If approved, you can borrow the amount you need today! Then just pay back the amount borrowed plus a flat fee on your next payday.

    Get approved in
    10 minutes or less

    You could receive your loan
    in as little as 15 minutes

    Why Use a Payday Loan?

    financial hardship

    Financial Hardships

    short on cash

    Short on Cash

    surprise expenses

    Surprise Expenses

    How it Works

    1

    Apply

    Apply online, in-store, or give us a call at 1-877-526-6639.

    2

    Instant Decision
    Get an instant lending decision as soon as you submit your application.

    3

    Choose How Much
    If approved, choose how much you want to borrow, up to your approved amount.

    4

    Review & Sign Documents
    Agree to your Payday Loan terms by reviewing and signing your loan documents.

    5

    Get Your Cash

    Get cash on the spot if you apply in-store, or choose how to receive your loan if you apply online.

    6

    Make Payments
    Set up AutoPay to make the loan payment on your next payday. Just set it, and we won't forget it! Or you can make manual payments.

    What Do I Need to Apply?

    • cash money application check markAge 18 or older
    • cash money application check markValid ID
    • cash money application check markSteady source of income
    • cash money application check markOpen chequing account
    • cash money application check markPhone number
    Apply Now

    Borrow Responsibly

    We want to help you with your emergency expenses. Borrow only what you need, understand the rates and terms, and be sure you can pay back the loan.

    Payday Loan
    alternatives

    • Borrow from family or friends

    • Build up an emergency fund or savings account

    • Negotiate with your creditors

    • Keep a credit card for emergency expenses only

    • Ask your employer for an advance

    borrow responsibly with a Payday Loan

    Need more money or time to repay?

    If you need a large amount of money or extended time to repay, or if you need to borrow repeatedly, consider a personal Line of Credit.

    Satisfied Customers

    Other Services Offered at Cash Money Stores

    In-Store Services

    Common Payday
    Loan Questions

    We all have our ups and downs, and financial difficulties are never easy. That’s why we offer Payday Loans to people with less than perfect credit. You don’t need great credit (or collateral) to get a Payday Loan. We’re more concerned with your ability to repay your loan.

    We offer in-store and online Payday Loans across Canada. Find available loans in your province, or visit a location near you.

    Unlike credit card interest or bank overdraft fees that accrue daily, Payday Loans cost a flat fee based on the amount you borrow. A typical cost is $15-$21 for a $100, 14-day loan (depending on your province).

    You have options when it comes to your loan funding . You can choose to pick up your funds at a Cash Money store same day, direct deposit your money to your bank account (funds availability varies by bank) or you could receive your loan in as little as 15 minutes when you choose Interac e- Transfer®.

    Repayment methods depend on the info you provided in your application. They may include AutoPay, in-store payments, or Interac e-Transfer®. Feel free to contact us with specific questions.
    Interac e-Transfer® may sound familiar to you! We use it to deposit loan money safely and quickly into your bank account. Now, you can make payments with the same speed and security. It’s easy to set up, highly secure to keep your information safe, and payment processing is completed in just a few minutes.

    Is a Payday Loan Right for You?

    Check out our Payday Loan FAQs page.

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    © 1992 - 2023 All Rights Reserved. Cash Money

    Loan availability and loan amounts vary by location. Cash-based services such as cheque cashing, money orders, money transfers, the ability to pick up cash or make a payment with cash at the store vary by location in Alberta and New Brunswick. Visit the store finder page at www.cashmoney.ca/find-a-store for each store’s list of services.
    Payday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements. Promotional rates not available in Alberta, Manitoba or New Brunswick.
    British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 15% of the principal. We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total payback amount of $345 and an APR of 391.07%. The $300 for $20 promotional rate is only available in-store: Under this offer, on a $300 loan for 14 days, the cost of borrowing is $20, with a total payback amount of $320 and an APR of 173.81%. BC Licence #50066.
    Manitoba Residents: The maximum allowable charge for a payday loan is 17% of the principal amount of the loan. We charge $17 per each $100 loaned. Sample loan on a $300 loan for 12 days, the cost of borrowing is $51, the total that must be repaid is $351 and an APR of 517.08%. To learn more about your rights as a payday loan borrower, contact the Consumer Protection Office at 1-204-945-3800, 1-800-782-0067 or at https://www.gov.mb.ca/cp/cpo/.
    Newfoundland Residents: The maximum allowable cost of borrowing under payday loan agreements in Newfoundland and Labrador is $14 per $100 borrowed. We charge $14 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $42, with a total payback amount of $342 and an APR of 365.00%. The $300 for $20 promotional rate is only available in-store: Under this offer, on a $300 loan for 14 days, the cost of borrowing is $20, with a total payback amount of $320 and an APR of 173.81%. Licence #21-23-CA291-1.
    Nova Scotia Residents: The cost of borrowing is $17.00 per $100 on a $300 loan for 14 days (443.21% APR). The $300 for $20 promotional rate is only available in-store: Under this offer, the cost of borrowing is $6.67 per $100 on a $300 loan for 14 days (173.81% APR).
    Ontario Residents: The maximum allowable cost of borrowing per $100 borrowed in Ontario is $15. We charge $15 per $100 borrowed. On a $500 loan for 14 days, the cost of borrowing is $75, with a total repayment amount of $575 and an APR of 391.07%. The $300 for $20 promotional rate is only available in-store: Under this offer, on a $500 loan for 14 days, we charge $6.67 per $100 on the first $300 borrowed and then $15 per $100 on the additional $200 borrowed, with a total cost of borrowing of $50, at total repayment amount of $550 and an APR of 260.71%.
    Saskatchewan Residents: The maximum allowable cost of borrowing under payday loan agreements in Saskatchewan is $17 per $100 borrowed. We charge $17 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $51, with a total payback amount of $351 and an APR of 443.21%. The $300 for $20 promotional rate is only available in-store: Under this offer, the maximum allowable cost of borrowing under payday loan agreements in Saskatchewan is $17 per $100 borrowed. Under this offer, on a $300 loan for 14 days, the total cost of borrowing is $20, with a total payback amount of $320 and an APR of 173.81%.
    Lines of Credit: Loan maximum of $10,000, based on a completed application, net pay and other qualification requirements, and customer verification including a credit check. Payments are due on scheduled income deposits. Cash Money offers personal loans and is not a credit repair service. APR/Annual Interest Rate 46.93%. BC Licence #83707
    Lending decisions and funding times subject to system limitations.
    Loan Protection: Must be 18 years of age or older, and under 70 years of age to be eligible. The optional Loan Protection Plan is a Credit Group Insurance Plan Underwritten by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company.
    Western Union® and the Western Union® logo are registered trademarks of Western Union® Holdings, Inc.
    15-minute funding available only when using Interac e-Transfer® (up to $10,000). Payments and funding via Interac e-Transfer subject to bank processing times, bank participation and system limitations, including daily send limits. Interac e-Transfer is a registered trade-mark and the Interac logo is a trade-mark of Interac Corp. Used under licence.
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