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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!

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Payday Loans in British Columbia

My Canada Payday is proud to call British Columbia our home province—in fact, our company headquarters are located right in Surrey. Founded in 2008, we have been a part of the loan industry for over a decade, so you know that you are working with an experienced local company.

Borrowing from us means that you are partnering with a local business that is committed to fast, high-quality service that truly puts the needs of our customers first.

Why do our customers love our lending services so much? With My Canada Payday, you can:

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Apply For A Payday Loan in BC

My Canada Payday is proud to service borrowers across British Columbia to help them keep their personal finances running strong each month. And because My Canada Payday offers loans up to $1,500, there are plenty of ways that you can use a payday loan in BC!

Unlike a car loan or a home equity loan, there are no restrictions on how you use your money with payday loans. You can use your loan to pay anything—and all without exhaustive paperwork, strict requirements, or long wait times. Here are some of the most common ways that borrowers are using their payday loans:

  • Financing urgent home repairs, like a broken dishwasher or fridge
  • Buying groceries or other household items
  • Repaying a loan to a friend or a family member
  • Building a new wardrobe to match a recent promotion or job change
  • Catching up on monthly utilities, like electric, internet, or water bills
  • Replacing a broken washer or dryer
  • Adding some extra cash to your vacation spending fund
  • Replacing a broken phone or laptop
  • Buying back-to-school items
  • Paying for a new set of tires or brakes on your car
  • Consolidating a few smaller credit cards to minimize your debt
  • Getting a little extra cash to help pay your rent or mortgage

The benefits of applying for a payday loan in BC don’t stop there, either. Getting a payday loan can be a great way to give your credit score a much-needed boost—and whether you are working on rebuilding your credit after a few slip-ups or are totally new to credit scores, having the financial tools to improve your score is a big deal. Not only do you get to start establishing a positive borrowing history, but you can also make on-time payments to show future lenders that you are a dependable, reliable borrower.

Loans play a big role in determining your overall credit score, which has a trickle-down effect into your financial future. Without a solid credit score, you might not be able to buy a car, rent an apartment, or get a mortgage. At My Canada Payday, we don’t require borrowers to have perfect credit scores in order to apply—all credit scores are welcome! Apply for a payday loan in BC today with My Canada Payday and get the perfect opportunity to start building your credit score.


Qualifications For A Payday Loan in BC

It can be tough to qualify for a loan from a bank or a credit union. You’ll have to meet a number of strict requirements, covering anything from your income level to your credit score–and if you’re still working on your credit, you might not ever be eligible for a traditional loan. My Canada Payday is totally different! Our payday loans in BC are designed to be accessible, making it easier than ever to get a loan when you need it.

Our qualifications are simple and straightforward, just like our application process. Here’s what you’ll need in order to qualify for payday loans in BC through My Canada Payday:

Banking history

Has your bank account been active for at least 180 days? As long as you have 180 days of banking history (around six months), you’ll be eligible to submit an application. To verify your banking history, we may ask that you submit a few screenshots of your online banking through our My Canada Payday application. Never fear: your sensitive information is always safe and secure with My Canada Payday, and will only be used to verify the age of your bank account.

Paycheque schedule

Do your pay cheques get processed on a regular schedule? Whether you are getting paid every week, bi-weekly, or once a month, all we need is to verify that you are getting a steady stream of income. That’s because we want to make sure that we aren’t putting additional financial strain on our borrowers by approving them for a payday loan—we want to make sure that your loan sets you up for financial success, no matter what! To verify your paycheque schedule, we may ask for a recent pay stub, a voided cheque, or a screenshot of a recent direct deposit from your employer.

Employment and residency

This is an easy box to check off: before you get approved for a payday loan in BC, you’ll have to be living and working in BC. Simple! Keep in mind that you’ll need to make sure that your employer has an actual BC address, too—so make sure to verify that before you submit your payday loan application. Get a Payday Loan the Way You Want

Do you want to spend time stressing over not having the funds you need, or fill out a length, complicated loan application? We certainly wouldn’t! That’s why we make our lending process as easy and as straightforward as possible. In 15 minutes, you can fill out our loan application online and get an answer within minutes. Our borrows love that they can complete all aspects of the loan application process right from home, without ever having to sit down with a representative.

If you would rather have a lending professional walk you through the process, we are happy to offer that service as well. Our 100 percent Canadian customer support staff is always ready and available to answer any questions that you may have by email or phone to ensure you get the loan you need.

Join Hundreds of Satisfied Payday Loan Borrowers

Putting customer satisfaction first and foremost isn’t always a part of what you might expect from payday loan companies—but at My Canada Payday, it’s a core part of our business. After all, we wouldn’t be one of the best payday lenders in Canada if it weren’t for you!

Our customer reviews are consistently positive, with hundreds of satisfied customers applauding our customer service, ease of use, trustworthiness, and professionalism.

Still not convinced? Take a look at what some of our five-star reviews have to say:

  • My Canada Payday has always been amazing. I have never had a problem with them once. They are so fast and always ready to help.
  • I have used this company for loans and they’re always accommodating and pleasant to talk to. I’ve never had a bad experience with them and will continue to use them when necessary.
  • You guys make my life so easy. Thanks so much.

When Getting a Payday Loan in BC, Put Convenience First

No one wants to drive to a storefront, stand in line, fill out paperwork, and wait weeks for an approval decision. Your time is valuable, and at My Canada Payday, we won’t waste it—that’s why our lending process takes only 15 minutes from start to finish. Even better, your funds will be instantly transferred to your bank account, making it easy to get your loan exactly when it matters most.

Experience Industry-Leading Customer Service in BC

The lending process can be stressful, particularly if you are short on cash and trying to catch up on bills. We make borrowing as convenient and as painless as possible, and are proud to offer industry-leading customer service every step of the way.

Customers can reach out to us at any time by phone (604-630-4783) or by email (getpaid@mycanadapayday.com) with questions, comments, or concerns. We love knowing that borrowers can confidently and efficiently get the funds they need now!

British Columbia, Golden Ears




Online Payday Loans in BC Q&A

What do you need to know about getting payday loans online in BC? If your questions aren't answered here, hit us up on live chat and we'll add your questions below.

Q: Do you offer payday loans all across BC?

Yes, it doesn't matter where you live in British Columbia, we can provide you with a payday loan. From the lower mainland to Vancouver Island on the west, to the Okanagan and the Rockies, we can help you with getting some quick cash today.

Q: How much can I borrow?

For a first loan, you could get as much as $500, up to 50% of your paycheck. Repeat borrowers can qualify for as much as $1500.

Q: Can I get a bad credit payday loan in BC?

With My Canada Payday's customized risk scoring system, bad credit doesn't have to be a problem for borrowers anymore. We look at many factors outside of what banks consider that allow us to offer loans to thousands more people that might otherwise be shut out of the credit markets.

Q: Can I pay off my loan early?

If you want to pay off your loan early, that's not a problem. There's no penalty for prepayment. Just contact our staff and they'll arrange for an EFT, or you can send us an Interac e-Transfer.

Licensing Information

BC Payday Loan License #52546

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Interest Rates

Payday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements.

BC Residents: The maximum charges permitted for a Payday Loan is 15% of the principal. We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total amount owing of $345 and an APR of 391.07%.

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.