Safe. Fast. Affordable.
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

Emergency Loans

Need cash fast to handle an emergency?

Emergencies can strike at any moment, they are naturally unpredictable. Whether it's a broken down car, a leak in your roof, or a emergency medical expenses, when you need to get some money fast you can't turn to a bank because they're just so slow. In this fast paced world that they haven't yet adapted to, they aren't capable of serving the needs of their customers.

That's where My Canada Payday can help. We think that borrowing money should be simple, without all the headache and red tape that traditional lenders require. It's no different than any other cash loan, except it is delivered electronically. Our application is simple and takes only five minutes. Even submitting your banking information is done completely online, securely and safely through our trusted data partner. We are 100% committed to being the most convenient way to borrow money online.

It doesn't matter what kind of circumstances have led you to apply for an express loan with us, we don't ask any questions about what you want to use the money for. Getting into all those details is none of our business, and it would just serve to slow down the process which is exactly what we don't want to do. Your time is important to you and we understand that, which is why we aim to deliver your funds within a few minutes of your acceptance of the contract.

Not only are we fast, we're available 24/7. You can accept the contract any time that is convenient for you and our systems will automatically send you the money via e-Transfer, which you can then deposit directly into your bank account so you can pay your bills.

What about bad credit?

You don't have to worry about bad credit. Everyone's personal financial circumstances are unique, and we don't hold that against you. Our unique scoring system takes into account thousands of variables that most lenders don't, allowing us to extend credit to far more people than a bank would.

It's our guarantee that your application will not be denied solely on the basis of your credit score.

What are the prerequisites?

First of all, you must be 18 years of age or older. You have to have a bank account in Canada with access to online banking. You need some source of income, including employment or pension income. Finally, you must live in one of these provinces: Alberta, BC, Ontario, Saskatchewan, Nova Scotia, or Manitoba.

If you meet all these criteria, fill out our application form and submit your banking data. We'll get back to you right away with a decision.