How it Works

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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.

AGREE

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.

MONEY

Finally, you'll get the funds via Interac e-Transfer within 15 minutes. You can accept the contract 24 hours a day.

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Why My Canada Payday

Fast Application

Filling out the application should take less than 5 minutes. Submitting your banking details is also very quick.

100% Online

We are completely online, so you won't need to FAX any documents are go to a storefront.

Bad Credit OK

Bad credit is no problem with My Canada Payday. We issue loans to many people whose credit scores would get them denied at a traditional lender.

Licensed

Always check to make sure that any lender you talk to has an up to date lending license. We are licensed to operate in every province that we do business in.

Safe & Secure

Your personal information is safe with us. We use state of the art encryption to protect your data, and we don't sell it to third parties.

Great Reviews

Check out our great reviews! We are rated 9.0/10 at TrustPilot. That's because our customers are always satisfied.

Frequently Asked Questions about Online Payday Loans in Canada

Here we cover the most common questions we are asked about our payday loans. Check the full FAQ for more details.

What about bad credit loans?

You don't need perfect credit to get a payday loan with us. We offer bad credit loans all the time, due to our proprietary scoring system that use

s thousands of features that regular banks can't or aren't willing to incorporate. This is because we understand that every person's financial history is unique, and we know that everyone makes mistakes.

Can I get a weekend payday loan?

Yes, we are open 7 days a week for your convenience. We have staff available 5AM-8PM PST Monday to Friday, and 9AM-5PM on weekends. In addition, our automated loan systems operate 24/7, so you can accept your contract whenever you like, whether or not we have staff in the office.

How do I get the funds delivered?

We issue our loans with Interac e-Transfer, 24/7. Once you have accepted the contract, usually you will receive the e-Transfer in about 5 minutes, depending on how the banks are working at the moment.

In the provinces and cities below, we offer online payday loans. Bad credit is ok, apply today.

Major Canadian Cities

Other