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!

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Express Loans

Sometimes in life, you need money quickly to cover those surprise bills and expenses that crop up when you’re least expecting them. In a perfect world, we’d all be prepared for the many curveballs life can throw at us, but in reality, many of us sometimes need a little help. That’s when an express loan from My Canada Payday can be a lifesaver.

Our express loans can get you over the rough patches until you once again can get yourself on firm financial footing. Whether your refrigerator conks out and you need to buy a replacement or you need to have some costly car repairs completed, we’re there to back you up when you need us.

How Fast Are We?

Many lenders claim to be fast, but few can compete with our speed of processing your application and sending you your money once approved. As a fully licensed online payday lender, we know when you’re applying for a loan, you need that money fast. And we don’t like to waste our time or yours. One page of filling out information and you’re done.

After you send your application, watch for your approval. Once you’ve agreed to the terms and conditions of the contract, you can have your money that same day or the next day.

Would You Rather Talk to a Customer Service Agent?

Some people love the convenience of filling out an online form and having as little human interaction as possible. Others would rather talk to someone and have helping wading through the process.

If you’re the type who likes interacting with people, you can call our customer service agents who are there to assist you. They take your information and give you the same speedy service you’d get online.

How We Help

We’re dedicated to helping you solve your problems. As you try to deal with your financial stress, you don’t need anything else to be worried about. You already have enough on your plate, so the last thing you need to be concerned about is if you’re doing business with a reputable company.

My Canada Payday is a fully licensed online payday lender. We’re trustworthy and ethical. We believe in total transparency so we can set your mind at ease. You can find all our licensing information at the bottom of this page.

We also help by recognizing that you live a busy and full life. Sitting around and waiting for answers isn’t a great use of your time. That’s why we’re speedy at what we do.

And for your convenience, we also have added an app you can use to save yourself some time and effort. My Canada Payday is constantly looking for new ways to better serve you and make this process as painless as possible.

What You Need

All you need to fill out your application is an internet connection or a phone with a browser on it. Other than that, you just need to have your basic information handy. We make everything as simple as possible for you. You won’t need access to a fax machine or anything else that will slow you down.

What to Do

All you have to do to get the ball rolling is fill out your information on the application form. We do the rest of the work. After you fill out the online form, you can put your legs up and relax while we evaluate the application. It will just take a few minutes and you’ll have your answer.

How Do I Get an Express Loan?

How Do I Get an Express Loan?


We’ve made the process of applying super easy so you can get back to your life. You’ll fill out an online application form, including your name, birthdate, address, your requested loan amount, and your banking information. It only takes an estimated 5 to 10 minutes to fill out.

Being Approved for an Express Loan

You won’t wait anxiously for weeks for an official phone call. You’ll find out quickly through email -- we’re able to give fast approvals because we use proprietary scoring software. You can help control how quickly you’ll get your money by agreeing to the contract’s conditions and terms in a prompt fashion.

Receiving the Funds

Here’s how it works: Your loan will be sent to you in an Interac e-Transfer if you are a repeat customer, which can give you access to your money on the same day of our final approval. From there, you can send it to your account.If you’re a first-time customer, you can still get your money fast -- it should reach you on the next business day after final approval.

Some Common Worries

If you’ve been denied before for express loans, you might be nervous to apply for one again. Let’s go over some common fears you might have and why you should give My Canada Payday a chance.

Q: Can I Get an Express Loan with Bad Debt?

Absolutely! Not only is it possible, but it’s probable. We like to give out loans, especially to those who need them most. Since the dollar amount of the loans that we distribute is small, up to $1,500 per loan, we can do business with people who have a lot of debt who would likely be turned down for bigger loans at other banks.

As long as you have a job and are not self-employed, you have an excellent chance of approval.

Q: Can I Get an Express Loan with Bad Credit?

Sure, because we know that you’re more than just a number. We look at your complete picture -- not just your credit score.

Q: What If I Have No Credit At All?

At My Canada Payday, we pride ourselves on helping our customers build their credit history by issuing them loans. They can use these loans as opportunities to prove how responsible they can be with their money.

As long as you meet our qualifications, we’re not scared off by people who have no credit history. In fact, we welcome them.

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%.