Online Payday Loans Canada

You can get payday loans for up to $1500 in as little as 15 minutes! My Canada Payday is in the business of getting you your fast cash advance now!

My Canada Payday is rated 4.6 stars out of 5 by TrustPilot based on 764 reviews

Why Choose Us ?

Our rates are highly competitive!

Most lenders demand that you repay your loan immediately on your next payday. Do you need your cash for a little bit longer? You can request your next-but- one pay date to repay, and save lots of cash.

We don't believe in hassles.

Nobody likes red tape, so we keep it simple. We aren't going to ask you a hundred questions about what you want the money for, and our signup form is only one short page. Also, no fax is required for applying for the loan, the entire process is online.

How Does It Work?

Getting a payday loan couldn't be simpler.

All you have to is fill out a one page form and you are ready to get some money deposited into your account.

Prefer Telephone?

Our customer service agents are happy to help you apply for your loan. It only takes a few minutes to be approved and your money can be in your account in just half an hour. We work hard to approve everyone and pride ourselves on approving almost everyone for a cash advance! We are certain that you will find us to be the best lender in all of Canada.

Vancouver: 604-630-4783
Halifax: 902-332-3579
Toronto: 289-472-5204
Edmonton: 780-652-1419
Toll Free: 877-730-8406

Prefer to visit a Store?

No Problem! If you'd like to come down to our storefront and do your application in person, have a look at our Store Locations Page. We'll be happy to help you out!

We're Fully Licensed.

Getting a loan is safe and easy.

We are a fully licensed online payday lender. Click the button below to get information about online payday loans and the provincial licensing requirements for lenders.

BC Payday License # 52546

Expires 2022-10-31


Ontario Payday License # 4721539

Expires 2022-02-22

Alberta Payday License #342618

Expires 2021-12-31

Nova Scotia License # 211843061

Expires 2022-07-31

Saskatchewan License # 100055

Expires 2022-03-29

Manitoba License # 67816

Expires 2022-10-31



Why get an Online Payday Loan with My Canada Payday

Fast Application

Filling out the application should take less than 5 minutes. Submitting your banking details is also very quick.

100% Online

We are completely online, so you won't need to FAX any documents or go to a storefront.

Bad Credit OK

Bad credit is no problem with My Canada Payday. We issue loans to many people whose credit scores would get them denied at a traditional lender.


Always check to make sure that any lender you talk to has an up to date lending license. We are licensed to operate in every province that we do business in.

Safe & Secure

Your personal information is safe with us. We use state of the art encryption to protect your data, and we don't sell it to third parties.

Great Reviews

Check out our great reviews! We are rated 9.0/10 at TrustPilot. That's because our customers are always satisfied.

Frequently Asked Questions about Online Payday Loans in Canada

Here we cover the most common questions we are asked about our payday loans. Check the full FAQ for more details or our Finance Hub.

Q: What about bad credit loans?

You don't need perfect credit to get a payday loan with us. We offer bad credit loans all the time, due to our proprietary scoring system that uses thousands of features that regular banks can't or aren't willing to incorporate. This is because we understand that every person's financial history is unique, and we know that everyone makes mistakes. That's why we're here to get you back on your feet.

Q: Can I get a weekend payday loan?

Yes, you can get a payday loan online 7 days a week for your convenience. We have staff available 5AM-8PM PST Monday to Friday, and 9AM-5PM on weekends. In addition, our automated loan systems operate 24/7, so you can accept your contract whenever you like, whether or not we have staff in the office. Once you accept the contract with your digital signature, the funds will usually be delivered within 5 minutes.

Q: How do I get the funds delivered?

We issue our loans with Interac e-Transfer, 24/7. Once you have accepted the contract, usually you will receive the e-Transfer in about 5 minutes, depending on how the banks are working at the moment. If you have automatic deposits turned on you'll find the funds dropped into your account without you having to do anything. Otherwise you'll need to check your email in order to deposit the transfer into your account.

Q: Why My Canada Payday?

Get a payday loans with us because:

  • Fast funds delivery 24/7
  • Open 7 days a week
  • Easy application process
  • Borrow up to $1500
  • Bad credit OK

Q: Can I repay my loan early?

Yes, you can repay your loan at any time with no prepayment penalty fees. Any time you need to change your payment schedule, just contact our customer service staff.

Q: Can I increase my loan amount?

Once you repay your current loan, you will be eligible to take out a larger loan. The maximum amount you can borrow depends on your province but no more than 50% of your paycheque, or 30% in Manitoba.

Licensing Information

BC Payday Loan License # 52546
Ontario Payday Loan License # 4721539
Alberta Payday Loan License #342618
Nova Scotia License # 211843061
Saskatchewan License # 100055
Manitoba License # 67816

Interest Rates

Online payday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements.
Ontario: We charge $15 per $100 borrowed. On a $500 loan for 14 days, the total cost of borrowing is $75, with a total amount owing of $575 and an APR of 391.07%.
British Columbia and Alberta: We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total amount owing of $345 and an APR of 391.07%.
Manitoba and Saskatchewan: We charge $17 per $100 borrowed. On a $300 loan for 12 days, the total cost of borrowing is $51, with a total amount owing of $351 and an APR of 517%.
Nova Scotia: We charge $19 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $57, with a total amount owing of $357 and an APR of 495.36%.

We Lend Across Canada

In the provinces and cities below, we offer online payday loans. Bad credit is ok, apply today.