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.
Good news for local residents—are offering online payday loans in the city of Winnipeg! In fact, we offer payday loans throughout Manitoba. While it’s true that Winnipegians have storefront options for their payday loan needs, we are confident that after using My Canada Payday, you will never go back to the old method of payday lending.
Who wants to go out in -40 ? weather and stand in line? Besides the clear advantages in facing the weather, we have these other benefits:
Not all payday lenders focus on customer satisfaction, but at My Canada Payday, it’s kind of what we do best. We have earned hundreds of positive reviews from customers just like you, making us one of the top payday lenders across the nation!
Take a look at what some of our five-star reviews have to say:
We Value Your Time
Let’s face it: you have better things to do than drive to a storefront, fill out tons of paperwork, and stand in line for hours.
Your time is valuable, and we’re not going to waste it, which is why our application process can be completed in as little as 15 minutes from start to finish. Whether you are living in a rural area or around McPhillips St, contact us and we'll do our best to help you.
We Take Care of Our Borrowers
No matter how much you need or why you need it, taking out a loan can quickly become a stressful process.
With that in mind, we have employed a top-notch team of customer service representatives to make sure that any concerns are resolved with speed and efficiency in mind.
Customers can reach out to us at any time by phone (604-630-4783) or by email (firstname.lastname@example.org) with questions, comments, or concerns.
If you need help filling out an application or if you want more information about how payday loans work, feel free to drop us a line. We love knowing that our customers can confidently and efficiently get the funds they need!
Calling all Winnnipeg residents! The city of Winnipeg is a beautiful place, no matter what time of day. Send us your favourite photo of the city and we’ll feature it here on our page (with your permission, of course).
Payday loans are the best way to get the funds you need quickly—all without having to wait in line at a bank or be left wondering for weeks if you’ll be approved. But how do you get a payday loan in Winnipeg? We’re glad you asked. Getting a payday loan is simpler than you might think! Here’s how it works:
At My Canada Payday, we offer a completely online application process, making it easy for you to apply for a loan at any time (and from anywhere). You can apply for a loan from the salon while you get a haircut, from your couch during commercial breaks, or even from the dinner table.
All it takes is 15–30 minutes to complete the application from start to finish, which means you never have to dedicate an entire afternoon to making an appointment at the bank, standing in line, and filling out paperwork.
Once we review your application, we’ll send a notice via email to let you know whether you’ve been approved. We pride ourselves on a fast and reliable approval process—in fact, most borrowers get their email notification within 30 minutes or less!
We’ll also send your loan terms over to you for review and approval via email. After you’ve agreed to your terms (your interest rate and payment dates), we’ll disperse your funds directly into your bank account through a secure Interac email transfer. If you’re a first-time borrower, you may not be able to access your loan for one to two business days. Recurring Winnipeg borrowers get access to their funds even sooner—sometimes within minutes of approval!
You can make payments on your loan through the same secure, automatic transfer that we use to disperse your funds (which is especially good if you don’t want to go through the hassle of manually scheduling payments).
Payday loans in Winnipeg are designed to be paid back when you receive your next paycheque. When you borrow with My Canada Payday, you can choose to pay back your loan on your next paycheque or two paycheques from now. We love staying flexible and setting our borrowers up for success, from start to finish!
Getting a loan can be tough, especially if you are dealing with heavy restrictions from banks and credit unions. Not only do they have strict requirements for income, debt-to-income ratio, credit score and borrowing history, but you also have to deal with long wait times. It could take days—or even weeks—for your funds to arrive, which is definitely less than helpful if you’re on a time constraint and need a loan as soon as possible.
Thankfully, payday loans in Winnipeg are much more flexible! Getting a loan through My Canada Payday means you can cut through all that red tape that banks and credit unions come with. We won’t require you to have tons of money stashed away in your bank account, and we also don’t ask our borrowers to have a perfect credit score.
To qualify for payday loans in Winnipeg, all you’ll need to do is meet four simple requirements. Here’s what you’ll need in order to apply for a loan with My Canada Payday:
This one is an easy box to check. Payday loans in Winnipeg through My Canada Payday are only available to borrowers who are at least 19 years old. As long as you are 19, you can apply for a payday loan.
Payday loan applicants must have at least 180 days of banking history before they submit an application. Why does this matter? My Canada Payday sends loans through a secure Interac email transfer, meaning your funds are deposited electronically into your account. Before you submit your application, we need to make sure that you have an active bank account before you can be eligible to receive your loan once approved.
We may ask you to submit proof of banking history over the past six months via screenshots of your online banking. The good news is that you won’t have to mail or fax them! We make it easy to submit any supplemental documentation through our secure My Canada Payday application, allowing for instant transfer (while keeping your sensitive data fully protected).
We require all loan applicants to have steady, local employment before being eligible for payday loans in Winnipeg. Your paychecks can be sent either through direct deposit or cheque. You may need to send us a copy of your most recent pay stub (or submit a screenshot of your direct deposit) in order to verify your employment.
If you are applying for payday loans in Winnipeg, you’ll have to be a Winnipeg resident. In order to verify your residency, we might ask you to send proof of address while you are filling out your application. This is typically done through a recent utility bill or a recent pay stub.
Keep in mind that all applications are reviewed on an individual basis, so we may ask for more than one supplemental document (or none at all!). No matter what, you can always submit your documents through our My Canada Payday application to ensure that your documents are uploaded quickly and securely!
If you’re considering borrowing with My Canada Payday for the first time, you probably have tons of questions. Interested in learning more about how payday loans in Winnipeg work? See our FAQs below to check out some commonly asked questions from first-time borrowers!
Our application is designed to be as efficient as possible—we know your time is valuable, and we won’t waste it! Most applicants complete their application in 30 minutes or less. If you’re a fast typer, you can finish your application in as little as 15 minutes!
You’ll get your loan as soon as possible—and depending on your application materials, that could be anywhere between one business day and a matter of minutes! Our online payday loans have incredibly quick approval and disbursement times (even for first-time borrowers). Once approved, first-time borrowers can access their loan within one business day; returning borrowers can get their funds within minutes!
In order to submit an application and be considered for a payday loan in Winnipeg, you will need to:
At My Canada Payday, we put our borrowers’ needs first. We want to help you build a strong foundation and establish good financial health, which means we offer flexible repayment terms. If you need to wait until two paycheques from now to repay your loan, simply get a hold of our customer support team!
There are plenty of different ways to contact My Canada Payday! You can email us at email@example.com, call us at 604-630-4783, or send us a message directly through our contact form. And we always have someone available to answer your questions: our customer support team is available Monday through Friday, weekends, and holidays.