Common Questions

How long does the process take?
Customers typically receive primary approval within 5 minutes of applying, you can get cash immediately, as we arrange money electronically. There are 2 options: receive email and get money within 20 minutes or get money directly into your checking account, and then you can usually have access to your funds by 6 PM the same day.

What is a Payday Loans or Cash Advance?
A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers usually choose it to cover some unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With us you can apply for a loan online and have your money electronically deposited to your checking account by Email Money Transfer [EMT] and Electronic Funds Transfer [EFT].

Are all loans approved?
Most loans are apporved however if we lack enough information or in some cases due to credit risk you could be denied.

Are there any risks of borrowing?
Payday loans should be used as short term credit needs only. If you do not repay your loan your credit could be damaged.

What about Qualifying?
Qualifying for a loan is easier than qualifying for traditional credit. Your job and your paycheck act as your collateral and You need to meet the following requirements:

• Currently have a job (or receive regular income) more then 3 month in same place
• Make at least $500 per month, include CTC, ODSP, CPP
• Are 19 years of age or older
• Have checking account

What about collateral to receive a loan?
No. Your job and your paycheck are your collateral.

Do I need direct deposit?
No, you can receive your paycheck.

How are fees established?
Our fees are competitive and in compliance with all applicable provincial and federal laws.

Is there any additional application fees?
No, there are no hidden fees, only the loan fee which is located in your electronic signature documents.

How often should I use this service?
Whenever an immediate or urgent need arises, we are here to help you.

How is the payday cash advance loan amount determined?
The law regulates and limits the maximum advance amount to between $100 and $1500. Within that range, you qualify for a payday advance amount based on your current income and your history with us. Your credit built while you take loan and pay out the loans on time.

How soon do I have to pay back the loan?
The loans are generally repaid back when you receive your next paycheck. Of course you may also pay back your loan at anytime without any prepayment penalties.


What if I can’t repay the payday loan in full on my due date?
We have different payment options available for our customers:

1. Paying the loan in full on the maturity date listed on your loan agreement*.

*Some additional terms and conditions may apply. Please ask your loan consultant about all of the repayment options.

If I am approved, how do I get my money?
We send over 90% of loans by Email immediately.The remainder are received by Electronic Funds Transfer.
* We can accept all types of email.

How do I pay you back?
We debit your bank account on your next scheduled pay day for the full loan.