Canada’s most accessible loans
At Payday Cash Loans, we know how important flexibility is to financial success. We take into consideration all the relevant details of your financial situation to ensure whichever of our repayment plans you choose, we can keep your rate as low as possible. Whether you’re borrowing $100 or $1,500, repaying in a single payment or 2 or 3 installments, our advanced algorithm is working out the best rate for your situation.
If you’re worried that your credit score may prevent you from having access to our great short-term loans, don’t tie yourself in knots over that. A credit score is a result of what happened back some time in the past. This is now and if you can repay a loan today why shouldn’t you have the opportunity to deal with the unexpected financial challenges that we all have to cope with from time to time? That’s why we look at the big picture of your financial situation.
Our repayment options help you find a solution to your financial challenges that will help keep those rates down. Have a closer look and you’ll be pleasantly surprised at how competitive our rates are.
People are surprised to discover that often our rates actually beat out what they’d pay one of the major credit cards. You can have access to the funds to make your financial life more pleasant, without excessive fees, as long as you meet the repayment plan you choose in your loan agreement.
That’s our touchstone. We know that everyone’s situation is different. Sometimes a little different; sometimes a lot. That’s why we offer a menu of options in loan amounts, loan durations and repayment plans. All to help tailor your loan to your specific needs.
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 our 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.
Only dealing with a direct lender provides you the optimum level of consumer protection. Unfortunately, a lot of those offering you short-term loans online are not direct lenders, so you have to be careful. With Payday Cash Loans you can rest assured, we are licensed to operate under both federal and provincial government regulations ensuring your financial safety.
You 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. Once approved, and after signing your electronic contract, you can have up to $1,500 by e-transfer in just 5 minutes.
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 clearly explained up front. Our job is to make your life easier.
Payday Cash Loans The hassle-free loan option.
Once you’ve filled out your application, our decisions system, with its advanced algorithm, gives you a decision almost instantly.
Most of our customers have their money in the bank the same day. Once you’re approved and you sign your electronic agreement, our e-transfer system has the funds in your bank in 5 minutes.
Currently, we offer loans between $100 and $1,500. These come with flexible repayment options. Our advanced algorithm helps us identify the loan amount that suits your financial circumstances best.
Our minimum monthly requirement is an income of $800. Though a lot of sources, which you might not expect, can be counted toward this total. That includes child tax credits, EI, ODSP benefits and pensions for example. Include such income sources in the Employment Details of your application and you're ready to go.
We make repayment easy. Once repayment day arrives, we will simply debit the amount stipulated in your loan agreement out of the same bank account into which we made the original loan. All you have to do is be sure there are sufficient funds to cover the repayment. Other than that, there’s nothing for you to worry about.
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 British Columbia 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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