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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.
People use payday loans for many reasons but the one most commonly cited is bad credit. Bad credit can be an absolute killer when it comes to loan applications with banks, because they are too inflexible to deal with the needs of payday borrowers. We understand that bad credit is a common problem, but it doesn't mean that such people are untrustworthy. We make our determinations on a broader set of criteria that allow us to offer loans to many people that traditional banks will not consider.
Before we can issue a loan to you, you will need to provide us with enough information to confirm your identity. We'll also need a screen capture of your latest bank statement and some proof that you are getting employment income. Unfortunately we can't offer a loan if you are paid in cash or if your income is only from ODSP at this time but any income derived from CPP, ODSP, etc can count towards the minimum of $1000/month in income needed to qualify.
Formerly a village, Agincourt North is one half of the Agincourt neighbourhood of Toronto (the other half being Agincourt South-Malvern West), having been subsumed first by Scarborough, and then by the endlessly growing sprawl of Toronto in 1998. It has been around since 1858 when John Hill founded it and named it after Azincourt in France due to a mildly amusing quarrel between Hill and a nameless French Canadian bureaucrat.
Nowadays it is known its relatively large Chinese and Taiwanese population, resulting from a mass immigration in the 80s. It is relatively well connected to the rest of the area via a commuter rail track operated by GO Transit.
In the north-east region of Toronto, a former village by the name of Agincourt is situated. Shrouded in mystery, this small neighbourhood is all but cut off from the main town of Toronto. Sheppard Avenur surrounds this small town with the roads of Markham and Kennedy. Earlier, this region used to encompass a large area including the region west to it (Tam O'Shanter-Sullivan) but now it has been separated into South-Malvern West and Agincourt North areas.Due to this segregation, the Agincourt Mall is still situated in the Tam O'Shanter area. This small community was first made known by the construction of the post office of Agincourt by John Hill in the June of 1958. The name of this neighbourhood owes its existence to Azincourt, a town in France which has been suggested by a French Canadian official who insisted the name to be of French descent. In the late 1900s, Agincourt has seen an influx of Chinese residents but lately they seem to be dwindling down.
Bendale, also known as Cedarbrae, is a culturally diverse neighbourhood with middle income families living in bungalows and split level brick homes. Most homes sit on good sized lots and are well maintained giving the neighbourhood a comfortable feel and a pleasing streetscape. The area was settled by David and May Thompson in 1796 and David's brothers, Andrew and Archibald. They were the first Europeans to settle in the former Township of Scarsborough. In honor of the founding family, Thompson Memorial Park was constructed. Thompson Memorial Park is one of the largest and most beautiful parks in Toronto. The park offers plenty to do for everyone. There are spectacular picnic areas, a children's zoo, a baseball diamond and a wading pool among other things. Springfield House, built by James Thompson in 1840, still stands in the park along with St. Andrews Presbyterian church, which was built in 1849 on land donated by David Thompson. Visiting the Scarborough Historical Museum will provide more information about these historical sites.
Cliffside is a neighbourhood in the eastern district of Scarborough in Toronto, Ontario. Located along the coastline of Lake Ontario, Cliffside is situated along the Scarborough Bluffs. These bluffs run the length of the coast in this area of the city and provide an attractive and beautiful landscape and view to the neighbourhood. This area remained relatively unsettled for much of Toronto's history, as it was far from the center of town, has poor commercial water access, and no distinguishing geographical features that necessitated early settlement. In the 1960s, however, the post-World War II baby boom and immigration expanded the city of Toronto eastward into Scarborough in general and Cliffside in particular.
Cliffside is primarily a middle class residential neighbourhood, with an average income a little over the Toronto norm. Due to the desirable locations along the bluffs at the edge of Lake Ontario, Cliffside does boast a high number of affluent families along its southern edge. The population is mostly descended from British, Irish, and Scottish stock.
Centennial Scarborough is a neighbourhood in the Scarborough district of Toronto, Ontario. Also known as Port Union, this neighbourhood grew from the small lakeside town of the same name. Port Union was a sleepy waterside town for more than 60 years, until the booming post-World War II expansion of Toronto necessitated expansion. In the 1960s, Centennial Scarborough was planned as a residential community. It featured a large, rigidly grid-like area in the eastern portion and more naturally developing areas to the west.
The highly desirable lake-side property in the quaint Port Union area and the quality of the new constructions in Centennial Scarborough in general has led to this being a very affluent neighbourhood. The residents of the area earn a median income almost twice that of Toronto in general. There is a high degree of home ownership in the neighbourhood, well over 90%. The majority of residents identify as English, Canadian, Irish, or Scottish.
Clairlea-Birchmount is a neighbourhood in the Scarborough district of Toronto, Ontario. In the 1860s, a village named Moffat's Corner grew at the intersection of St. Clair and Victoria Park Avenues. Over time, the name was changed to Clairlea. The southeastern corner of the neighborhood is cut through by the Taylor Creek ravine. The Warden Woods Park was established there and offers beautiful nature trails for residents.
Clairlea-Birchmount was one of the earliest neighbourhoods of Scarborough to be incorporated into the Toronto metropolitan area, due to its location close to Toronto's expanding eastern border in the 1950s post-World War II growth period. With a combination of ease of access to the Don Valley Parkway and numerous shopping centers in the area, Clairlea-Birchmount is a popular suburban neighbourhood for middle-class commuters.
The neighbourhood is primarily middle class and residential. There are some commercial centers along the major thoroughfare. The residents of Clairlea-Birchmount are fairly diverse. In addition to the typical Toronto mix of British, Irish, Scottish, and Chinese peoples, there are significant minority communities of Filipinos, Greeks, and Indians in the neighbourhood.
Cliffcrest is a neighbourhood in Toronto, Ontario. It is located on the coast of Lake Ontario. Its name is derived from the beautiful vistas overlooking the lake, as the neighbourhood is situated on top of the Scarborough Bluffs along the shore. These bluffs were created during the last Ice Age, and were populated by First Nations peoples as far back as 10,000 years ago. This makes the Cliffcrest area one of the oldest inhabited regions in the Toronto area.
The Cliffcrest area grew slowly following the establishment of the Toronto railway system in the early 1900s. A large park was established to encourage growth and railway usage, but the effort failed and the neighbourhood stagnated until the 1960s. City planners named the area at this time, and residency began to grow along with the rest of Toronto. Cliffcrest was positioned as a nice and open residential neighbourhood with almost exclusively single family homes. This effort attracted a mostly English-speaking population of lower and middle class English, Irish, and Scottish workers. The neighborhood has an average income in line with the Toronto average, with a pocket of wealthy individuals in the highly desirable cliff-side locations.
Dorset Park is a neighborhood in eastern Toronto, Ontario. Like much of the former Toronto suburb Scarborough, the Dorset Park neighborhood was largely undeveloped until the post-World War II period of the 1950s, which saw significant growth in the region. Located along a rail line, Dorset Park was in an excellent position for expansion at the time.
Dorset Park is primarily a middle class neighborhood. Its residents earn the same on average as the typical Toronto family. Due to its late development and relative lack of outstanding geographical features, the neighborhood has far fewer wealthy families than the average. The neighborhood is experiencing some vitalization as the first generation of residents from the founding are gradually being replaced by young couples with children.
With a position along a rail line and Highway 401, Dorset Park is home to some industrial and commercial space. There is a business district stretching south from the highway, including high-rises, the Kennedy Commons mall, and numerous small business. Kraft Foods and Laura Secord, a Canadian chocolates company, have factories in the area.
Eglinton East is located to the East of Toronto Main and is also referred by the name "knob hill". Majority of the immigration happened between the years 1980 and 200. High percentage of the immigrants came from South Asian Countries like Sri Lanka and India and also from Caribbean countries like Guyana and Jamaica. The ethnic group has a mixture of Canadians, East Indians and English people living in this region. South Asian group of people forms a major portion of the minority population in Eglinton East. When compared to the whole of Toronto, Eglinton East has a higher percentage of lone parents and renters living in the region.
One of the major attractions in Eglinton is the Toronto public Library. This library offers a number of programs for people of different age groups. There are a number of restaurants in this region serving cuisines from across the globe including Japanese, Italian, Mexican and South Asian cuisine. Scarborough Paint center is another popular shopping destination in this region providing hardware accessories, and Lighting and garden accessories.
Guildwood is a neighbourhood in the Scarborough district of Toronto, Ontario. It is one of the newer neighbourhoods in the city. The subdivision was established in 1957 in response to the booming Toronto population in the post-World War II period. The development was carefully planned to create an upscale atmosphere, with winding roads and buried power lines. Space was kept open behind the homes to create walking paths for residents. With a location along Lake Ontario and modern and beautiful homes, this area was highly desirable for affluent families.
Today, Guildwood is an upper-middle and upper class residential neighbourhood. Residents earn a median household income well over the Toronto norm. The neighbourhood has in fact become more exclusive over time, as Toronto grows and the acquisition of quality homes becomes more competitive. Over 37% of families earn over $100,000 annually, up from 30% only five years before. The population of Guildwood primarily identifies as English, Scottish, Canadian, or Irish.
Highland Creek is a neighbourhood near the far eastern edge of Toronto, Ontario. It is named for the Highland Creek river which flows through the Scarborough section of Toronto and into Lake Ontario. Because of the presence of this water source, the area was settled early by natives. It was taken over by non-natives in the late 1700s and used primarily as farmland due to the easy water access. The pioneer spirit of those times is still celebrated today during the Highland Creek Heritage Day. In 1954, Hurricane Hazel destroyed much of the neighbourhood and caused massive flooding of Highland Creek.
In the 1960s, the University of Toronto purchased land in Highland Creek and opened the Scarborough College. The presence of this campus, known as the University of Toronto Scarborough today, has had a positive impact on the neighbourhood, raising property values significantly. The open space and river valley combined with the proximity of the University have led to Highland Creek being a relatively affluent neighbourhood. The average family earns almost double the average Toronto income.
Ionview is located in the district of Scarborough in Toronto and belongs to the province of Ontario, of which Toronto is the provincial capital. CNR railway is located on the Eastern border of Ionview while on the west side it is bound by Birchmount Road. This region was mainly an agricultural belt till the beginning of the Second World War. The war started the housing boom in this region as with other regions in Ontario. One of the tributaries of Don River, Taylor-Massey Creek, flows along the south western borders of Ionview. Ionview has a number of parks for its community to breathe green air in the form of Eglintine Ravine Park, Ionview Park and the Jackgoodlad community park.
More than 50% of the population belongs to the working class and they reside in high rise apartments that have come up in the last twenty years. Immigrants from Sri Lanka, China, Philippines and India have made Ionview as their home in the last 15 years. Ionview has a number of shopping malls spread across the town such as the Shops at Don Mills, Scarborough Town Centre Mall, Fairview Shopping Centre and shops at the BayView Village.
Kennedy Park is a neighborhood in the Scarborough district of Toronto, Ontario. It is also known as Scarborough Junction. Like many neighborhoods in Toronto, Kennedy Park began as a small village in the 1800s. However, unlike most neighborhoods in the area, it was heavily settled in the late 1890s. This was due to its location along the tracks of two major railways. When the population of Toronto grew significantly in the post-World War II era, Kennedy Park was well positioned to be incorporated into the city proper and accept the growing numbers of immigrants. The ease of travel to the rest of the city offered by the rail lines made the neighborhood a very attractive home.
Kennedy Park is a mostly lower middle class neighborhood. Its residents earn a median income just below the Toronto norm. The affordable homes and easy travel draw middle class couples looking to start a family. A vibrant shopping district has developed over the years along Eglington Avenue, the northern border of the neighborhood.
L'Amoreaux, is a large residential neighbourhood in Toronto, Ontario, Canada, that houses over 2 million people. The area has a rich history and was first settled by Huguenot loyalist. One of these loyalist, Josue L'Amoreaux would go on to lend his name to the community that grew up in the area. During the 1950Ã‚Â˜s an increase in construction and development projects helped turn the neighbourhood into the residential area that it is today. The L'amoreaux area consists primarily of single family homes and town-homes. There are also many high rise residential apartments available in the area. Prior to the creation of the city of Toronto the L'Amoreaux neighbourhood was part of the former town of Agincourt. Today the area is known for its highly multi-cultural population. It is estimated that at least 20 percent of the population speaks an Asian language. The area is also home to hip hop artists Boi-1da, and Maestro Fresh-Wes.
Located in the northeastern section of Toronto, the Malvern neighborhood can trace its roots back to 1856 when it was a sleepy farming community served by a post office of that name. Originally a part of Scarborough, it became part of Toronto proper in 1998 when former city was incorporated into the metropolis.
Today Malvern is a young, vibrant working class neighborhood made up largely of Caribbean Canadians as well as a sizable population with Filipino and Southeast Asian roots. Most of the homes in the area are smaller and set on neat, well-kept yards. In the recent past, Malvern had some struggles with gang activity, but efforts by local law enforcement have allowed this neighborhood to bloom. It now boasts Rouge Park, Canada's only urban park setting, as well as serving as home to the Toronto Zoo and a newly built public library.
Milliken is a neighborhood in Scarborough which is a district of Toronto, Ontario. Located on the far northeast edge of the city, Milliken is one of the newest neighborhoods in the city. Like many outlying neighborhoods, it was established around a post office in the mid-1800s. However, Milliken was along a major route or railway and so remained agricultural land for more than 100 years. Toronto's post-World War II population explosion eventually reached this area in the 1970s and urbanization began. Over the course of 15 years, the neighborhood was rapidly developed into a residential neighborhood.
Milliken was mostly settled by new residents to Toronto, so it maintains a strong immigrant background. Today, its families identify overwhelmingly as Chinese, at over 70% of the population. The neighborhood is home to many ethnically themed shops and malls. Milliken is far enough from the Toronto center to maintain vast park land, with a larger portion of the area occupied by Milliken Park. Families here earn an income in line with the Toronto average. Over the past decade, the incidence of poverty has dropped sharply as the businesses in the area have matured and economic development occurs.
Morningside is a neighbourhood in the Scarborough district of Toronto, Ontario. Like much of Scarborough, Morningside was principally developed in the latter half of the 20thcentury in response to the booming Toronto population. Because of its position along Highway 401 and the nearby industrial areas, the neighbourhood was developed with a number of high-rises, row houses, and other higher density housing. This is in contrast to many Scarborough areas which tend to be almost entirely single-family homes due to the availability of land in the district.
Today, Morningside is a middle and working class neighbourhood. It is located on a major highway and near the large Morningside Park and Scarborough Golf Club. This convenient travel and pleasant atmosphere make the single-family homes that do exist in the neighbourhood a target for middle class families seeking to settle down. Over the past decade, this trend has driven up the median income of the neighbourhood to just over the Toronto norm.
Oakridge is a neighbourhood in the Scarborough district of Toronto, Ontario. The area, like many in the district, was mostly developed in response to the growing Toronto population in the 1950s and 1960s. Unlike the more remote Scarborough neighbourhoods, some early homes from the pre-war period do exist in Oakridge, however. Due to its location along a rail and subway line and its proximity to Toronto's center, Oakridge was built as a working class neighborhood. This includes the construction of a significant amount of public housing.
Today, Oakridge remains a working class neighbourhood. The ease of travel and inexpensive housing make it an incredibly attractive option for the lower class. Most of the population lives in single-family homes. It is a diverse neighbourhood, and many of the residents are recent immigrants. Oakridge has large Chinese, Bengali, and East Indian populations. Despite the disparate backgrounds, there is a strong sense of unity in the area. The popular Oakridge Community Recreation Centre provides a foundation for activity and togetherness in the neighbourhood.
Rouge is a neighbourhood in the far northeastern corner of the Scarborough district of Toronto, Ontario. It is the largest neighbourhood by area in Toronto and encompasses several smaller neighbourhoods including Rouge Hill, West Rouge, and Hillside. There are many river valleys in the area, leading to significant amounts of park and farm land. The neighbourhood remained largely unsettled until the 1950s and 1960s when Toronto experienced significant growth due to post-World War II immigration. With such abundance of space, most of the development at this time was composed of single family homes with generous lawns and a pleasant, suburban feel.
Today, Rouge is a middle and upper-middle class neighbourhood. The amazing natural beauty and remoteness of the area make it attractive to affluent families seeking a less city-bound life. Over the past decade, the percentage of families making over $100,000 has increased by 50%, a sign of the growing gentrification of the neighbourhood.
The Toronto Zoo is located in Rouge, along the Rouge River. It is the largest zoo in Canada at over 700 acres. The Toronto Zoo is an extremely popular tourist attraction and is continuing to expand and grow, taking advantage of the available space in Rouge.
Scarborough Village, also known as Scarborough Heights, is one of the earliest settlements of the former Township of Scarborough. It was established as a crossover village in the 1800's by Cornell and Secor because of its proximity to Lake Ontario. It was the first settlement in the Township of Scarborough to have a post office, which was built in 1832. It became a subdivision on 1856 and its first schoolhouse was erected in 1860. Today, it is a quiet neighborhood offering affordable housing and breath- taking panoramic views of Lake Ontario. This neighborhood has large estate homes mixed with more modest homes and the whole neighborhood offers lush landscapes and beautiful trees. Within a few miles of this neighborhood, you will find Scarborough Bluffs and Toronto's east end waterfront parks. Scarborough Village also offers great shopping and plenty of restaurants with a laid back feel and many community members enjoy the Scarborough Recreation Center and Scarborough Village Theatre.
Steeles lies in the former municipality of Scarborough on the northern edge of Toronto. The area was mostly deciduous forest before it was developed and the only area that remains significantly covered in original vegetation is the L'Amoreaux woodlot. This makes the park land around the pond in L'Amoreaux Park some of the most scenic in the neighbourhood. Dr. Ron Williamson found the origins of this settlement in an archeological dig next to this pond. He discovered artifacts from a Huron-Wendat village that thrived around 1400 C.E. This area was great farmland, even dating back to the days of this early settlement. The last farm to be assimilated was the Shepton Farm. Today, the neighbourhood is part of the Chinatown of Scarborough-Agincourt. There are two annual events that take place in Steeles that are worth noting. In the spring, the neighbourhood hosts the Mary Ward Multimedia Exhibition which showcases large scale installation based art and technology. The other is the Guyana Festival that celebrates the independence of Guyana and has been recognized as the largest gathering of Guyanese outside of Guyana.
Tom O'Shanter-Sullivan is a neighborhood in the Scarborough district of Toronto, Ontario. Like many neighbourhoods in the district, it began with the founding of a post office at the intersection of two major (at the time) roads that connected outlying farms and communities. The area remained mostly rural farmland until the 1960s when the population boom in Toronto made land near the city so valuable for development that the farms had to be sold. The development group was awarded for the quality of their work, and that is reflected in the character of the neighborhood. Tom O'Shanter-Sullivan has a well-planned suburban atmosphere that has lasted half a century, with tree-lined streets, large sidewalks, and a beautiful golf course.
Today, Tom O'Shanter-Sullivan is a well-regarded middle class neighborhood. Bordered to the south by a rail line and Highway 401, it has excellent transportation access to the rest of the city while maintaining a strong suburban feel. The median family income in the neighborhood is just over the Toronto norm and has been generally stable over the past decade, as Tom O'Shanter-Sullivan has avoided both decline and gentrification in the face of a growing Toronto.
West Hill is a neighbourhood in Toronto on the shores of Lake Ontario. The neighbourhood takes its name from a post office that serviced the heavily trafficked road to another major Ontario city, Kingston, for over 150 years, until the 1990s. Due to this traffic, West Hill became a major shopping destination until the 1960s when a new highway was built elsewhere in Toronto. As more road access was built up in the neighbourhood, the population grew into the 1980s. From the 1980s until the present, growth has slowed and the population has grown older. However, real estate prices in the area are relatively low, making it an attractive home for younger families. This change will begin to reverse the recent aging trend in West Hill in the near future.
Due to the course of its development, West Hill has a healthy mix of both commercial and residential areas. It has a new library branch and numerous parks due to the presence of Highland Creek and Lake Ontario. The neighbourhood is also home to many restaurants, a branch of Dow Chemical, and a small college.
Wexford started to attract people from other parts of Toronto in the 1840s, after a person from the Wexford county in Ireland constructed a hotel in this region. Maryvale started to develop along the thriving village of Ellesmere. This community got the Maryvale name due to the presence of Maryvale farm that was breeding racing horses in the region. By the 1970s, Wexford-Maryvale region started to witness exponential growth. The different shops and restaurants that have come up in Wexford-Maryvale region serve people of different ethnic origins including Africa, West Indies, Italy and Greece.
The community is well served by 2 public high schools and five elementary schools. Wexford also offers a variety of shopping malls to the community people in the form of Golden mile mall, park way mall and Victoria Terrace mall. The wexford park provides plenty of open green spaces to relax during the weekends. The percentage of immigrants living in this region is comparatively less than the numbers available for the whole of Toronto. In the 90's and early 2000's, majority of the immigrants came from South Asia and Philippines.
Woburn is located in the eastern part of Toronto, Canada and is mainly an upper middle class neighbourhood. This family oriented neighbourhood is comprised of modern homes lining tree-shrouded streets. The south and south-east parts of Woburn are made up of open space and green parks. Also known as Cedar brae, this neighbourhood had yet another name prior to 1856. Until the post office was established in Woburn Inn, this area of Toronto was known as Elderslie. The Woburn in was owned by Thomas Dowswell who hailed from Woburn, England. His inn was also the original meeting place of the Scarborough Municipal Council. It was torn down in the 1950's and today, a plaque commemorates the site. It's our hope that My Canada Payday's presence in Woburn will extend further than the inn. Another noteworthy site in Woburn is Taber Hill. This Iroquois burial mount was found in 1956 during digging in the location. The burial mound held an estimated 472 bodies and dates back to 1250 CE. Today, it is managed by the provincial government as a cemetery with a plaque and prayer from an Iroquois leader commemorates the spot.