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Maximum charges permitted in Alberta
for a payday loan: $15 per $100 lent.
We charge: $15 per $100 lent
For a $300 loan for 14 days:
Total cost of borrowing = $45
Annual Percentage Rate = 391.07%
Payday loans are a form of high-cost credit.
This information meets the requirements of the
Payday Loans Regulation under the Fair Trading Act.
Alberta License Number: 342618
Maximum charges permitted in British Columbia for a payday loan: 15% of the principal
We charge: 15% of the principal
For a $300 loan for 14 days:
Total cost of borrowing = $45
Annual Percentage Rate = 391.07%
This information meets the requirements of the Business Practices and Consumer Protection Act British Columbia License Number: 52546
Payday loans are high cost loans
In Manitoba, the maximum allowable charge for a payday loan is 17% of the principal amount of the loan.
For a $300 loan for 12 days:
Total cost of credit = $51
Annual Percentage Rate = 517%
The total that must be repaid is $351.00
This information meets the requirements of the Manitoba Consumer Protection Act. License Number: 67816
Westrock Financial LTD: Payday License # 181843061 Exp 2019-07-31
Payday Loans are High-Cost Loans
Example: $300 loan for 14 days
Principal amount: $300.00
Total cost of borrowing: $66.00
Total to repay: $300 PLUS $66.00 = $366.00
Annual percentage rate - APR: 573.57%
Maximum Allowable Cost per $100 Borrowed:
$15.00
Our Cost per $100 Borrowed:
$15.00
Example: Your $300 loan for 14 days
| Amount Advanced | $300 |
| Total Cost of Borrowing | $45 |
| Total You Repay | $345 |
This poster is required under the Payday Loans Act, 2008
Westrock Financial Ltd o/a MyCanadaPayday.com is a licensed lender in the province of Ontario.
License number 4721539 issued on 2016-02-22; Expires 2019-02-22
621 - 92 Caplan Avenue, Barrie, ON , L4N 0Z7
For Educational Material approved by the Registrar, please click here.
$17
Per $100 Borrowed
Example: $300 loan for 14 days
| Principal Amount | $300 |
| Total Cost of Borrowing | $51 |
| Total to Pay | $351 |
| This information conforms to the requirements of The Payday Loans Act. | |
I understand a Payday Loan is a High Cost Loan
Borrower's Right to Cancel
I understand I have the right to cancel this loan without cost or reason before the end of the business day after I agree to it by emailing or calling getpaid@mycanadapayday.com or 604-630-4783.
A receipt must be provided to me detailing this cancellation I understand I may repay this loan early, and receive a proportionate refund of fees if I do so.
Fees and Charges
Borrowing Fee: 17% of the loan principal.
NSF Charge of $25.00, for a dishonoured pre-authorized debit. This charge is payable only once per loan, regardless of the number of pre-authorized debits dishonoured.
Default interest of 30% per annum will be charged on the outstanding principal balance of the loan, if you fail to pay the loan in full on the loan repayment date. Forms
Cancellation Form or Receipt Form or This sign
Debt Counselling
If you feel you may benefit from confidential debt counselling, Credit Counselling Canada can be reached by calling toll-free at 1-866-398-5999; by fax at 416-929-5256; by e-mail at contact@CreditCounsellingCanada.ca; or by mail at 401 Bay Street, Suite 1600, Toronto, ON, M5H 2Y4. You can also visit their website for further information at www.creditcounsellingcanada.ca.