Online Payday Loans in Edmonton

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

How it Works

Payday Loans Edmonton, AB

When you've got difficulty with your financial situation exactly what assistance is on hand?

  • You can visit a close by payday loan store and get a cash loan
  • See if anyone can take an IOU
  • Your boss could possibly provide you a payroll advance
  • You may be able to receive some dough from a visa or mastercard
  • You could find a firm that will take a cheque
  • My Canada Payday is the means to fix your troubles. You could apply for cash if you have a job. We believe we are the greatest payday lender you'll ever deal with.

Getting a Payday Loan in Edmonton

Whether you are planning on spending a day golfing or skiing in the River Valley Parks, want to hit up the Arts District for a weekend shopping trip, or need a little extra cash to pay some bills, there are plenty of reasons to get a payday loan in Edmonton.

What are the benefits of getting a payday loan in Alberta? What could you use a My Canada Payday loan for? Well, the better question might be: what could you do with $1,500? While bank loans tend to come with rules and restrictions on how you can use your loan, My Canada Payday is different.

You can use your loan for whatever you need—and you can do it without having to fill out pages upon pages of paperwork or spending hours waiting in line to talk to a loan officer. Payday loans in Edmonton are super flexible, and can be used for:

  • Buying groceries or other household items
  • Repaying a loan to a friend or a family member
  • Catching up on monthly utilities, like your electric, internet, or water bill
  • Replacing a broken washer or dryer
  • Covering the cost of an urgent home repair
  • Adding some extra cash to your vacation spending fund
  • Replacing a broken phone or laptop
  • Paying for a new set of tires or brakes on your car
  • Consolidating a few smaller credit cards to minimize your debt
  • Getting a little extra cash to help pay your rent or mortgage

Our payday loans in Edmonton also have long-term benefits, too. Use your payday loan to start creating a positive borrowing history and improve your credit score! And because My Canada Payday doesn’t require borrowers to have a super-high credit score just to apply, our loans provide the perfect opportunity for borrowers who are rebuilding their credit (or who are just starting to establish credit).

With so much flexibility, it’s easy to see why online payday loans are such a great option—especially when compared to banks and credit unions. Spend your loan exactly how you want, and exactly when you need it the most.

Easy Steps to Get Your Payday Loan in Edmonton

Tired of spending hours gathering multiple pieces of paperwork, filling out tons of forms, and standing in line to talk to a loan officer—only to wait weeks for a loan decision? We don’t blame you. Traditional financial institutions (like banks and credit unions) tend to make the process of applying for a loan into a difficult, time-consuming process.

At My Canada Payday, we believe that getting a payday loan in Edmonton shouldn’t cost an arm and a leg, and it shouldn’t take up your entire Saturday. That’s why we made getting payday loans in Edmonton as simple as possible! Here’s what to expect when you apply with My Canada Payday:

  • Fill out an application online
    Our applications are available completely online, so you can apply for a loan whenever you want—and at whatever time you want. Whether it’s 2 PM or 2 AM, or if you’re applying from your favourite coffee shop or the corner of your couch, the application process is the same. All you’ll need is about 15–30 minutes to fill out your application and a steady internet connection, and you’ll be all set to start!

  • Get fast approval for your payday loan
    Everyday life is hectic and stressful enough. Add in the anxiety of not knowing whether you’ll be approved for the money you need (and the days or weeks of waiting), and you could be looking at a ton of frustration. No one should have to sit around in uncertainty for that long. That’s why My Canada Payday makes approval for payday loans in Edmonton into one of the fastest timelines available. You’ll know whether you’ve been approved or denied within one business day—and many borrowers get their decision notification in less than an hour!

  • Speedy loan disbursement through secure EFT bank transfers
    What’s great about our payday loans in Edmonton is that after you get your approval notification, you’ll already be well on your way to getting access to your loan. First-time borrowers can use their funds within one business day, whereas returning borrowers can access their loan within minutes of approval! We use secure EFT bank transfers to keep your sensitive data (and your money) safe while we transfer your loan, ensuring that you have a fast and seamless process from application to disbursement.

  • Automatic payments on your paycheque schedule
    By nature, payday loans are meant to be repaid when you get your next paycheque. With My Canada Payday, you have the flexibility to choose which paycheque will be best: all you have to do is reach out to our customer support team to adjust your repayment schedule! Choose to pay on the next paycheque or the following paycheque—whatever works best for your schedule and your financial health.

How to Qualify For A Payday Loan in Edmonton

Being eligible for a payday loan in Edmonton is easier than you think. At My Canada Payday, we believe that eligibility doesn’t mean having a spotless credit score, thousands of dollars in your bank account, or a perfect borrowing history.

How can you qualify for a payday loan in Edmonton? Simple! Here’s what you’ll need to get a payday loan in Canada:

Be at least 19 years old

The minimum age requirement for a payday loan is 19. As long as you can prove that you are 19 years old, you are eligible to fill out and submit an application.

Have six months of banking history

As part of our application process, you will need to show that you have at least 180 days of banking history. For some applicants, we might also ask for a copy of a voided cheque, a recent pay stub, a utility bill, or a direct deposit authorization form. Of course, your application will be reviewed on an individual basis—so depending on your unique application components, you may not need to send any additional documents at all!

Have proof of steady employment

Before applying for a payday loan in Edmonton, you will need to be employed in the local area (and receiving regular paycheques from your employer). At this time, we are not accepting applicants who are self-employed or unemployed.

What about credit score? Doesn’t having a high credit score matter for a payday loan in Edmonton? Not when you are applying through My Canada Payday! Unlike banks and credit unions, we don’t require applicants to have picture-perfect credit scores in order to get a loan. If you are still working on building your credit, don’t worry—you can still apply for a payday loan in Edmonton.

We even take it one step further to ensure that payday loans are accessible for Canadians across Edmonton. At My Canada Payday, we don’t require each applicant’s income to fit into a specific bracket. For us, it’s more important that you are getting a steady paycheque instead of obsessing over how much each paycheque is! Easy, right?

Choosing The Best Payday Lender in Edmonton

My Canada Payday loves partnering with Edmonton residents to help them get the loans that they need. In fact, it’s part of what makes us the best payday lender across the country—it’s our dedication to providing seamless, convenient, and friendly lending services to our borrowers that really sets us apart. There are tons of reasons why My Canada Payday is the best choice for your payday loan in Edmonton, but here are some of our all-time favourites:

  • We’re 100 percent Canadian owned and operated
    As a Canadian-owned company, My Canada Payday is proud to be part of the local Edmonton community. From upper management to customer service, everyone who works at My Canada Payday is from (of course) Canada. That means you’ll never have to worry about being re-routed overseas; you will always have a friendly Canadian voice on the other end to answer any questions you may have about the payday lending process!

  • We have an industry-leading customer support team
    Loan companies aren’t always known for having great customer service—but My Canada Payday is. Our customer support team is among the best in the industry, always at the ready to help borrowers with their most pressing questions. It’s a big reason why we have so many customers that come back time and time again for their payday loans—and it’s also why we have so many five-star reviews!

  • We make payday loans in Edmonton easy
    With My Canada Payday, getting a payday loan in Edmonton has never been more convenient. From our online application process to our quick approvals and seamless fund transfers, every step of our process is designed to ease the stress of borrowing and help our customers get the loan they need—exactly when they need it!

Ready to get started with My Canada Payday? Go ahead and fill out our simple, online application if you think a payday loan is right for you! If you want to get some more information, give us a call at (604-630-4783) or shoot us an email ( to get in touch and ask questions before you begin. We love helping Edmonton residents get the payday loans they need!

FAQ: Payday Loans in Edmonton

If you’re considering borrowing with My Canada Payday for the first time, you probably have tons of questions. Interested in learning more about how payday loans in Edmonton work? See our FAQs below to check out some commonly asked questions from first-time borrowers!

How long does the payday loan application process take?

Our application is designed to be as efficient as possible—we know your time is valuable, and we won’t waste it! Most applicants complete their application in 30 minutes or less. If you’re a fast typer, you can finish your application in as little as 15 minutes!

When will I get my payday loan?

Great question! The answer is: as soon as you possibly can! When you have bills that are due, or an emergency expense that needs to be handled right away, you don’t have time to sit and wait for loan approval. Our payday loans have incredibly quick approval and disbursement times (even for first-time borrowers). Once approved, first-time borrowers can access their loan within one business day; returning borrowers can get their funds within minutes!

What are the eligibility requirements for a payday loan

In order to submit an application and be considered, you will need to:

  • Be at least 19 years old
  • Have at least 180 days of banking history
  • Live and work in the local Edmonton area
  • Have a steady job that pays you on a regular schedule
  • Get paid through direct deposit or paycheque

What if I want to wait until two paycheques from now to repay my loan?

At My Canada Payday, we put our borrowers’ needs first. We want to help you build a strong foundation and establish good financial health, which means we offer flexible repayment terms. If you need to wait until two paycheques from now to repay your loan, simply get a hold of our customer support team!

How do I get in touch with My Canada Payday?

There are plenty of different ways to contact My Canada Payday! You can email us at, call us at 604-630-4783, or send us a message directly through our contact form. And we always have someone available to answer your questions: our customer support team is available Monday through Friday, weekends, and holidays. We even have a physical location right in Edmonton—stop by and visit, we’d love to see you!

We also offer payday loans in Sherwood Park, Nisku, St. Albert, Leduc, Spruce Grove, Fort Saskatchewan, Beaumont, Morinville, and Wetaskiwin.

We Lend Across Canada

We offer online payday loans across Canada. Below are the provinces we operate in, as well as some of the major cities we lend in.