My Canada Payday is rated 4.6 stars out of 5 by TrustPilot based on 764 reviews
It only takes a few minutes to get a payday loan with us. First off, fill out the application form. We'll need your basic details, including name, birthdate, address, and the amount you want to borrow.
Your application will be analyzed and approved or denied right away. Once you're approved, we send you a contract which you digitally sign and that's it.
Finally, you'll get the funds via Interac e-Transfer within 15 minutes. You can accept the contract 24 hours a day.
My Canada Payday is the number one provider in Canada 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).
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 then that income can qualify you for a payday loan, 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.
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.
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. When you apply, make sure to check the ODSP payment schedule so you know when to schedule your loan repayment.
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.
Have something you're wondering about? These answers may help.
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.
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.
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.