Payday Loans Waterloo

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

How it Works




Wasaga Beach in Ontario Welland

Payday Loans in Waterloo, Ontario

Waterloo is a small city located in the Waterloo Region that belongs to what's known as the Tri-Cities, a name given to the combination of Waterloo, Kitchener, and Cambridge. It has a population of nearly 105,000 people and it is a major employment center in the area that serves as the home of many high-tech and financial businesses. Some of the most important companies headquartered in the city include BlackBerry (RIM), Google, ON Semiconductor, and Maplesoft among others. Additionally, the city is also the home of important educational centres such as the University of Waterloo, the Wilfrid Laurier University, and St. Jerome's University. The city's workforce is comprised of approximately 57,000 people, with most of them employed by the manufacturing, retail, finance, insurance, education, professional and scientific service businesses. The average household income is around $108,000.

Are you low on cash and don't know where to turn in Waterloo?

  • If you've got a Visa or Mastercard that isn't maxed out, you can get a cash advance
  • You might ask your friends or family whether they wouldn't mind loaning you a little cash
  • You may attempt proposing an IOU in lieu of money
  • Standing in line at a payday advance place sounds uncomfortable
  • Taking money from an RRSP results in a huge penalty
  • My Canada Payday will be the answer to your problems. We are ready to give assistance with all the temporary financial difficulties you might have. Our payday loans are fast, at times as quick as thirty minutes.

Why borrow at My Canada Payday?

We have been offering fast online payday loans in Ontario for over 10 years, so you can rely on us. Our loans are fast, affordable, and secure.

  • EMT puts the money right in your bank
  • High grade encryption safe guards your private data
  • Properly certified by the government
  • Hassle-free, fast and quality assistance
  • Applications handled quickly by expert staff
  • We offer payday loans 24/7 by Interac
  • Cash sent by Interac gets there as fast as 30 minutes
  • No faxing required

You'll be amazed at how convenient applying for an online cash advance can be!

  • The time needed to process your application is extremely fast
  • On your next payday, your payment will be taken out of your chequing account.
  • Our application process is amongst the fastest available
  • Your account receives the funds directly.

Bad Credit Not A Problem

If you've applied for a loan at a traditional bank and been turned down because of poor credit, don't worry. Our experience offering easy payday loans in Canada has proven that bad credit isn't the most important factor in offering a payday loan. In most cases, it isn't even a factor at all as we look at an applicant's online banking history to make the most important decisions.

Having a strong history of employment and steady deposits means much more in terms of making payments on time than a credit history can show. Credit histories are inherently biased, and only show a small part of a person's financial history and reliability, and it is particularly weighted towards the past. What we care about is how you're doing right now, today, and that's what we base our decision on. We approve most people who make our minimum requirements and that's why we are happy to offer easy bad credit payday loans.

We also offer payday loans in Kitchener, Cambridge, Guelph, Brantford, Woodstock, Fergus, New Hamburg, Baden, Saint Jacobs, Elmira, Elora, Ayr, Milverton, New Dundee, Brant, Port Elgin, Saugeen Shores, Southampton, and Stratford.


Questions About Waterloo Payday Loans

We hope this answers any questions you might have about payday loans in Waterloo, but otherwise please chat with us.

Q: Can I increase my loan amount?

Once you repay your current loan, you will be eligible to take out a larger loan. The maximum amount you can borrow depends on your province but no more than 50% of your paycheque, or 30% in Manitoba.

Q: Can I repay my loan early?

Yes, you can repay your loan at any time with no prepayment penalty fees. Any time you need to change your payment schedule, just contact our customer service staff.

Q: How much can I borrow if I am a Waterloo resident?

You can borrow up to 50% of your paycheque if you are in Waterloo, up to a maximum limit of $1,500.

Q: How do I apply for a payday loan in Waterloo?

Step 1: fill out the application form.

  • Name
  • Address
  • Contact information (email, phone)
  • How much you want to borrow

Step 2: Submit your banking information.

Step 3: Get the contract in your email.

Step 4: Digitally sign the contract.

Step 5: Deposit the money into your account.

We Lend Across Canada

We offer online payday loans across Canada. Below are the provinces we operate in, as well as some of the major cities we lend in.