How it Works

SIGN UP

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.

Our rates are highly competitive!

Most lenders demand that you repay your loan immediately on your next payday. Do you need your cash for a little bit longer? You can request your next-but-one pay date to repay, and save lots of cash.

We don't believe in hassles.

Nobody likes red tape, so we keep it simple. We aren't going to ask you a hundred questions about what you want the money for, and our signup form is only one short page. Also, no fax is required for applying for the loan, the entire process is online.

Getting a payday loan couldn't be simpler.

All you have to is fill out a one-page form and get an instant cash advance sent by e-Transfer.

Prefer Telephone?

Our customer service agents are happy to help you apply for your loan. It only takes a few minutes to be approved and your money can be in your account in just half an hour. We work hard to approve everyone and pride ourselves on approving almost everyone for a cash advance! We are certain that you will find us to be the best lender in all of Canada.

We're Fully Licensed.

Getting a loan is safe and easy.

We are a fully licensed online payday lender. Click the button below to get information about online payday loans and the provincial licensing requirements for lenders.

Payday Loans in Canada
Payday Loans in Ontario	Get a payday loan in Ontario in only 15 minutes
Payday Loans in Alberta	Borrow as much as $1500 and pay back over three pay periods in Alberta
Payday Loans in Nova Scotia	Loans sent by e-Transfer 24/7 all across Nova Scotia
Payday Loans in Saskatchewan	No questions asked, get a loan to take care of any financial problem
Payday Loans in Manitoba	Bad credit is no problem getting a payday loan in Manitoba
Payday Loans in BC	Open 7 days a week and holidays, payday loans in BC are always available

Scam Alerts
Visit our Scam Alert page to learn how to protect yourself from scammers.

Why get an Online Payday Loan with 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 or go to a storefront.

Bad Credit OK

Bad credit is no problem with My Canada Payday. Most short term loans are issued with no credit check, based on your online bank account.

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 or our Finance Hub.

What about bad credit loans?

You don't need perfect credit to get a pay day loan with us. We offer bad credit loans all the time, due to our proprietary scoring system that uses 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. That's why we're here to get you back on your feet.

Can I get a weekend payday loan?

Yes, you can get a payday loan online 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. Once you accept the contract with your digital signature, the funds will usually be delivered within 5 minutes.

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. If you have automatic deposits turned on you'll find the funds dropped into your account without you having to do anything. Otherwise you'll need to check your email in order to deposit the transfer into your account.

Why My Canada Payday?

Get your online payday loans with us because:

Fast funds delivery 24/7
Open 7 days a week
Easy application process
Borrow up to $1500
No documents to FAX
Bad credit OK

Can I repay my loan early?

Yes, you can repay your loan at any time with no prepayment penalty fees. Any time you need to change your payment schedule, just contact our customer service staff.

Can I increase my loan amount?

Once you repay your current loan, you will be eligible to take out a larger loan. The maximum amount you can borrow depends on your province but no more than 50% of your paycheque, or 30% in Manitoba.

What if I have no credit?

In most cases there is no credit check with our loans, and we rely only your bank statement for deciding whether or not to approve the loan.

Online Payday Loans Canada