My Canada Payday is proud to call British Columbia our home province—in fact, our company headquarters are located right in Surrey and we have offices in for issuing payday loans in Vancouver as well. 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:
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:
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. Please note although we offer loans to most, we don't have a no credit check policy.
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:
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.
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.
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.
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:
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.
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 (email@example.com) with questions, comments, or concerns. We love knowing that borrowers can confidently and efficiently get the funds they need now!
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.
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.Bad Credit Payday Loans
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.
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.