Canada’s most accessible loans
Express loans are instant online personal loans that can provide you the funds you need quickly, securely and efficiently. When you need money fast and cannot wait, there’s often no better choice as you’ll usually have the money within an hour. They can be a real lifesaver.
These type of express payday loans can quickly provide you with the funds you need, without restriction on how they can be used. Unlike traditional credit applications, the loan application process, approval, and funding for instant loans online are super-fast. Speed and convenience are the hallmark for these kinds of loans, making them a perfect fit for the way most Canadians live their busy lives.
Read on to learn more about the benefits of express payday loans online and how you can get approved for them from a licensed, trusted industry leader.
It always seems like surprise bills and expenses pop up when you least expect them. One minute, everything’s going great, and the next thing you know, you’ve got a major financial headache. Maybe your refrigerator decided to stop working, or your heater just stopped working in the middle of a harsh cold Canadian winter. Even good surprises, like an engagement or your child getting interested in a new sport can all result in unplanned expenses that can put a strain on your finances. Naturally, when money is tight, Canadians turn to rapid loans for fast, easy access to the funds they need.
That’s just not helpful when Canadians need emergency loans. Your money needs are urgent, and your money lender should be just as quick in approving you for the funds that you need. Online loans take just minutes to apply for and get you the cash you need the same day.
Customers can obtain quick easy loans from Pay Day and receive up to $1,500 in under an hour. Now that’s fast and all your financial obligations can now be met. In the time it takes to read this page, you could complete your loan application and get approved. That’s the power of quick money loans, getting you the funding, you need as fast as possible.
With a cash express loans, you can choose your loan amount, preferred repayment options and if you qualify, get instant approval. There’s no minimum credit score requirement, either. In fact, many of our clients apply for personal loans for bad credit and get approved.
Applying is easy and doesn’t influence your credit. Since the loan application is completed online, you can apply 24 /7, day or night.
Online loans with instant approval provide you the funds you need via e-transfer within 5 minutes after being approved. The loan is then repaid automatically based on your chosen repayment plan. Everything is clearly spelled out in your loan agreement.
As a company, we are committed to transparent lending, letting you know the full cost of borrowing, without any hidden fees. It’s really that simple.
With express loans, you’ll get your money fast so you can quickly get back on track with living your life.
If you meet the basic requirements, then you’ll qualify, and express loans online are the perfect choice for you. All you have to do is to start filling out the application online!
There are no minimum credit score requirements to get an express loan. While a credit check is performed as part of the approval process, it’s just one of many things that we look at and having bad credit is not disqualifying.
Even if you have limited or bad credit, that does not stop you from getting a quick money loan.
We believe that you’re more than just a number. Too often, credit scores are used as a substitute for thorough vetting and analysis of potential borrowers by online lenders.
Our main consideration in the lending decision is whether or not you have the financial means to repay your express loans. We don’t believe you should be excluded from getting the urgent funds that’s needed because of your credit history.
While no lender can offer guaranteed payday loan approval, we can promise you that we will never reject your application solely based on credit score.
A team of dedicated and knowledgeable customer experience advisors that are available by phone and e-mail to help you. We also have an online knowledge base of articles and payday loan FAQs that answer the most common questions about your options when it comes to express payday loans. Most people find the answers they’re seeking within these resources, which we provide for your convenience. So much of our online lending process is automated, that we figured a help option should be as well.
But we recognize and respect that sometimes, you just need to talk to a real person. Please, feel free to reach out and contact Pay Day, and we’ll be happy to address any questions, concerns, or issues you may be having. Our team is based in Canada and speak both official languages. They are available from 9 am to 9 pm Eastern time Monday to Friday, 9 am to 5 pm Eastern time on Saturdays, and 12 pm to 5 pm Eastern time on Sundays.
Express loans online are the perfect choice when money is needed urgently. Traditional loans can take quite a bit of time to apply for, get approved for, and ultimately to receive your money. The wait can be extremely stressful in and of itself and the delay between when the funds are needed and when you get them can wreak havoc with your finances.
That’s why more and more people are gravitating to instant money loan. The entire process can take less then 30 minutes. That’s less time than it would take to drive to and from a bank or traditional lender in many cases.
Because we provide express loans and use advanced software for the loan approval process, our speed can’t be beat.
Applying for an instant payday loan is one of the fastest and easiest ways to borrow money in Canada today and it’s even faster after your initial application as your information is saved to your account, so applying in the future for a rapid loan takes just a few minutes. Now that’s what you call fast loans.
Pay Day offers affordable express loans online with an easy online application, speedy service with a funding process that’s incredibly easy and convenient. If you’ve ever made a purchase online and filled out a shipping form, you’re totally ready to apply. That’s because that’s really all it takes, a few online forms, clicks, and you’re good to go!
The entire application, approval, and funding process takes place online. There’s no branch to visit. There are no document requirements, and you never need to fax or mail anything to us. Likewise, you don’t need to worry about sending in a check for repayment – it’s all automatic. All of those things save you time, of course, but also offers you tremendous convenience.
We’ve made a great effort to make the entire process for our instant approval loans as easy as possible. You can apply from anywhere, at any time, on your schedule, and get cash when it’s needed most.
Speed, convenience and quality, a winning combination.
In an effort to deliver on speed, express loans are entirely flexible and customizable. You choose the amount, from as little as $100 to as much as $1,500. You also have the flexibility to select a repayment plan, either a single, lump-sum repayment, or 2 or 3 payments. Pick the option that makes the most sense for you and your unique financial situation.
By offering the best online payday loan service, we don’t charge you more for choosing the payment plan, either. We want to help you improve your finances, pay your bills, and live a better life. That’s the whole point of quick money loan in the first place.
Most payday or express loans that advertise “no credit check” still require you to do a lot of work. You have to visit a lender’s office location, fill out a lot of paperwork, provide proof of your income and other information, and more. Then, you have to sit around, waiting for your approval and your money. All that effort and waiting is frustrating, especially when cash is needed quickly – the whole point of a quick money loan in the first place!
Pay Day offers an alternative to this old, outdated method of obtaining loans. You don’t need to visit an office – there are none! To borrow money quickly, just complete the loan application online, your smartphone. It takes just minutes.
Approval decisions are fast, too, so there’s no waiting. And receiving your money? That’s also super-fast, with e-transfers available within 5 minutes following digital signing of your loan agreement.
Express loans do not directly have any kind of influence on your credit score. The traditional credit reports at the major credit bureaus don’t record or track these kinds of loans. And, when you apply for them, it doesn’t affect your credit score, either.
However, certain types of credit history reports from specialized credit reporting agencies may capture data about your loan history. It can then be used and referenced by lenders when you apply for other type of loans down the road, but it does stay off your regular credit report and score.
Another way in which these types of express loans can affect your credit score is if you fail to repay the loan on time. If your loan goes to a collection’s agency or debt collector, then the debt and delinquency is usually reported to the major credit bureaus.
This is the only way that a payday advance loan will impact your credit score and it’s entirely preventable. Simply pay back your loan on time, as agreed to in your agreement. Then, you won’t run into any problems with your credit report or credit score.
Don’t be discouraged by a poor credit score. What we’re interested in is your ability to repay. Just because things went badly for you in the past doesn’t mean you’re not able to repay today. We use are advanced algorithm to take in the whole financial picture of your situation. But of course, we don’t want to contribute to making your situation worse, so our Code of Conduct directs us to never loan you any money we don’t think you’ll be able to repay.
Residents of Canada and the larger metropolitan area will be amazed at how efficiently we have down the short-term loan process. In the great majority of cases, your loan will be available in just minutes. We have a leading-edge approvals system that you can use from the comfort of your armchair.
We know other companies require you to document your whole life. No need to worry about that with us. We won’t ask for faxes or letters, nor will we require to come into our office to sign any documents. It’s all streamlined, online, for your convenience.
Our Code of Conduct assures you’ll experience the most ethical, responsible and transparent loan experience possible. Everything is clearly explained, and your questions are answered when you ask them. Everything you need to pay is explained up front and transparently. Our job is to make your life easier.
Of course, we require some personal information to assess your application, but you can rest assured, that your information is safe with our top of the line industry encryption technology. Wherever you live in the Canada area, from Delta to Richmond, Burnaby to West Vancouver, and beyond, this is the safest, easiest, most transparent loan process you’ve seen.
We appreciate the encouraging response to our innovative loan business model from our clients in Canada. Look forward to more great short-term loan opportunities as we work to make your financial life easier and happier.
Payday Cash Loans is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people’s lives.
Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we’re there to help.
Maximum charges permitted in Ontario for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%
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