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 9.1 stars out of 10 by TrustPilot based on 728 reviews

ODSP Payday Loans Online

My Canada Payday has become a popular website to visit for those looking for payday loans. These loans can be a great way to get by until your next paycheck if you have an unexpected expense crop up that you don’t have the money to cover. Whether it’s a medical issue you need to attend to, a home or car repair that won’t wait, or an emergency that requires some extra money, payday loans can be a temporary solution.

If you’re searching for a payday loan, you may be wondering if you can get one if you’re in the Ontario Disability Support Program (ODSP).

The Criteria for Our Loans

My Canada Payday likes to approve as many loans as possible – we know how important these short payday loans are for our customers. And we never like to say no. We’ll make every effort to approve a payday loan, and our proprietary scoring system will look at more than just your credit score. That means we’ll take chances on approving loans to customers that traditional banks wouldn’t even consider.

If you’re on ODSP and it’s your only source of income, we won’t be able to give you a payday loan at this point. But, if you’re on ODSP, you can still get a loan with us if it’s a supplement to your other income, just as Child Tax would be. If you have a pension or employment income also coming in, you’re eligible for a loan with us.

The amount that can be lent will depend upon your income. Apply for what you need, and we’ll see what we can do.

Lending to Those With Bad Credit

Your credit score isn’t going to scare us off. We’ve lent money to lots of people with bad credit, so we’re not alarmed by low credit scores. If you think your credit score is too low to qualify for a loan, you might be surprised. Give us a try to see if we can meet your needs.

Loans at My Canada Payday

We are a fully licensed lender offering payday loans in Ontario, BC, Alberta, Nova Scotia, Saskatchewan, and Manitoba. We’ll lend up to $1,500, depending upon certain conditions, to people who have a job or a pension. At this time, we don’t lend to people who are self-employed. We need to see a regular source of income before we can issue a loan.

We Make It Easy

We hate doing things the hard way – especially when there are better and easier ways to do business. For a long time, traditional banks have had all the power. They determined who could get loans, often based solely on a credit score.

They determined when you were able to apply for those loans – and that always meant during their short daytime banking hours. Sometimes that meant people had to take off of work to be able to go apply for a loan when the bank was open. They would dress up in their nicest clothes and meet with a loan officer and sometimes wait weeks for a decision.

That was a terrible system, and finally, the times have changed. Customers have demanded a different way of doing things, and smart businesses like My Canada Payday, have listened. Slowly but surely, traditional banks have begun losing business as customers flock to companies that take their convenience and needs into consideration.

We’re proud we’ve been a part of that movement. We’ve made our application process so simple that anyone can do it. And they can do it whenever they want. We’re not dictating the timeline – the customer is. They can apply for a loan in the middle of the night or on their lunch break. And the best part is that they can do it from wherever they want. All they need is access to a computer and 5 or 10 minutes of their time, and they can get a payday loan online which is much better than going to a storefront.

If they prefer to have someone assist them, they can call our customer service department, and a representative will take down all their information over the phone.


The Whole Process

The Whole Process

How to Apply For a Loan

Fill out our online application, which should just take 5 to 10 minutes. You’ll need your basic information. There’s nothing difficult about it.

Getting Approved

We’ll run your application through our proprietary scoring system to analyze data points and come up with a fast answer for you. We’ll let you know by email in just a few minutes if you were approved. If so, you’ll need to acknowledge that you received and agree to our terms and conditions for the loan. That is also quick and easy to do.

Getting Paid

After we receive your agreement to our loan terms, we’ll release the money. It will reach you in minutes so you can get started on your plans for it.




Answers to Your Questions

Have something you're wondering about? These answers may help.

Q: How Will I Get My Money?

We make it easy for you to receive your money. We do it through an Interac e-Transfer. That method is safe and widely used.

And best of all, it’s incredibly quick. It only takes about 5 minutes to reach you once we process the payday loan.

Q: Why Should You Trust Us?

We get it – trust should be earned, not given. We’ve earned our trust through our interactions with all our customers. So far, we’ve racked up 718 TrustPilot reviews. We’re proud of our overall rating from those reviews. We’ve scored a 9.0 out of 10. We think that speaks volumes about why you should trust us.

Q: Can I Reapply If I’ve Been Denied in the Past?

Absolutely, and we hope you do. While My Payday Canada tries to approve everyone we can, sometimes we can’t. But the factors that might have led to your prior denial may have changed. So, if you need a payday loan, apply and see if we can offer you one.

It’s free to apply and only takes a few minutes, so it’s worth your effort to try.

Licensing Information

BC Payday Loan License # 52546
Ontario Payday Loan License # 4721539
Alberta Payday Loan License #342618
Nova Scotia License # 192593192
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.
Alberta, Ontario and British Columbia: 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 $375 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%.