Canada
Payday Loans

Proudly serving same day cash loans to over 1 million Canadians since 1992.

Apply Now
Payday Loans Canada

Select your Province

for a loan amount

What is a Payday Loan?

A Payday Loan is a small, short-term loan for an unexpected bill, car emergency, or home repair. It’s also known as a Cash Advance or Payday Advance. If approved, borrow the amount that you need today. Then pay back the amount borrowed plus a flat fee on your next payday.

Borrow $300 for only $20*


Get approved in
10 minutes or less


You could receive your loan
in as little as 15 minutes


*Valid on first Cash Money Payday Loan only; based on approval. This offer is NOT available in Alberta, Manitoba, or New Brunswick.

Why Use a Payday Loan?

avoid bounced cheques

Avoid bounced cheques and overdraft or late fees

cart

Pay for essentials like groceries, utilities, mortgage or rent

Payday Loan for home repair

Unexpected auto and home repairs

rainy day expenses

Other rainy day 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
On your next payday, repay the amount you borrowed plus fees.

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®. We can also load your funds to your Opt+ Prepaid Mastercard®, fee-free.

Repayment methods depend on the info you provided in your application. They may include autopay or in-store payments. Feel free to contact us with specific questions.

Is a Payday Loan Right for You?

Check out our Payday Loan FAQs page.

  • FAQs
  • Cash Money Cares
  • Careers
  • Find a Store Near Me
  • Contact Us

© 1992 - 2022 All Rights Reserved. Cash Money • 400 Carlingview Drive - Toronto, Ontario, Canada M9W 5X9

Loan availability and loan amounts vary by location.
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%. $300 for $20 promotional rate - 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 $21 per $100 borrowed. We charge $21 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $63, with a total payback amount of $363 and an APR of 547.50%. $300 for $20 promotional rate - 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%.
Nova Scotia Residents: The cost of borrowing is $19.00 per $100 on a $300 loan for 14 days (495.36% APR). $300 for $20 promotional rate - 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%. $300 for $20 promotional rate - 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%. $300 for $20 promotional rate - 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%.
Installment Loans/Lines of Credit: Loan minimum of $100 to a maximum of $10,000, based on a completed application, net pay and other qualification requirements, and customer verification including a credit check. Installment loan terms are from 6 months to 60 months and are based on the amount borrowed. 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%.
Lending decisions and funding times subject to system limitations. Opt+ instant funding is only available for existing Opt+ cardholders (sold separately), and is not available to payday loan borrowers in British Columbia.
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.
Opt+: This card is issued by PACE Savings & Credit Union Limited pursuant to license by Mastercard™ International. Use of this card is governed by the agreement under which it is issued. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Tap & Go is a trademark of Mastercard International Incorporated. Data rates may apply. Card funds are not insured by Canada Deposit Insurance Corporation or any other government deposit insurer or agency.
Lending decisions and funding times subject to system limitations.
15-minute funding available only when using Interac e-Transfer®. Subject to bank processing and system limitations. Interac e-Transfer® can be used to transfer funds up to $10,000. Interac® and the Interac design are registered trademarks of Interac Inc.
Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.
Clean and Safe Logo