The Vancouver municipal government, presently led by Vision Vancouver, divides Vancouver into a number of Business Improvement Areas (often referred to as BIAs). They sometimes line up with the administrative regions, but usually are smaller regions where there is a dense amount of small business activity. These areas typically have a higher density of payday lenders than their surrounding areas

We don't want to step on any toes or hurt any feelings, but we believe that My Canada Payday is the better alternative to anyone living in one of these areas for a payday loan, even when compared to local storefront lenders right outside their door. Our online process means that you don't have to leave your house or your job, saving you time. You don't have to stand in a lineup, which is frankly uncomfortable. We deliver the fund directly to your account.

It's not just convenience. A lot of lenders have been in the news lately for their practices of forcing their customers to purchase debit cards and bank accounts from them in order to access the funds -- it's plainly unreasonable to charge someone additional fees every time they want to access the money they just borrowed, and that's one reason why My Canada Payday will never require their customers to do so.

We offer the following features that we believe make us the best choice:

• Secure online communication
• Reasonable rates
• No faxing or other paperwork
• Fast delivery
• Government licensed
• Committed to responsible lending

If you're an existing customer, welcome back. If you're new, please give us a shot! You won't regret it, I guarantee it. Linked below are all the business improvement areas in Vancouver.

• Cambie Village

Cambie Village is a neighborhood in Vancouver, British Columbia. It is named after the chief surveyor for the Canadian Pacific Railway's western division, Henry John Cambie. Like many Vancouver neighborhoods tied to the railway industry, Cambie Village was established in the early 1900s when a second bridge to the area established additional road access. Most of the development of the neighborhood began in the 1940s with a significant increase in home construction.

Cambie Village is a mostly residential neighborhood with many small businesses. It has a strong Chinese minority dating back to its founding as a railway neighborhood. However, in recent years there has been significant tension in the neighborhood due to the proposed construction of the SkyTrain Canada Line rapid transit system. This project required significant destruction and change along the length of Cambie Street, the main thoroughfare of the Village. Many residents and businesses were affected by the construction of this line due to heavy traffic, rerouting, and closures.

• Chinatown

Between 1890 and 1920, Vancouver became home to many Chinese immigrants who came to Canada for work. They settled in the areas known as Shanghai Alley and Canton Alley. In time, began to develop into a thriving community and today. The Chinatown in Vancouver can boast several unique traits such as topping the list of North America's cleanest modern Chinatowns and Canada's largest Chinatown. A jaunt through Chinatown will show you that it highlights Vancouver's history and diverse culture. Today, it is one of Vancouver's most popular tourist destinations. People come to shop and explore Chinatown's authentic Chinese Market that sells exotic produce, meats, herbs and dried goods. Most of the shops double as alternative pharmacies with doctors on site to prescribe remedies. They come to taste the traditional dim sum and other traditional Chinese cuisine, and yes, get payday loans. Dr. Sun Yet-Sen Classical Chinese Garden is a perfect spot to take a breather from the bustling city. It is the first of its kind built outside China.

• Collingwood

Collingwood is a neighborhood on the western edge of Vancouver, British Columbia. It was one of the first heavily forested areas to be settled in the region. It was cut from the forest in 1860s and experienced significant early growth in the 1890s when tram service arrived. It grew steadily from that time, as more land was cleared from the extensive forest.

In the 1980s, the SkyTrain rapid transit system connected Collingwood with the greater Vancouver metropolitan area. This ease of transit encouraged significant growth in the area. Having previously been somewhat isolated, Collingwood had established itself as a mix of a residential and commercial neighborhood. This positioned it well for the growing population of Vancouver to settle in the area. In the 2000s, a plan was developed to increase population density in the neighborhood by replacing its older single-family homes with duplexes, shopping centers, and row houses. This plan has caused some tension and nervousness in Collingwood, as it could permanently change the face of the area.

• Commercial Drive

Commercial Drive in Vancouver was formerly known by the name of Little Italy. This location primarily served as a working class neighbourhood for the English and Scottish migrants, who came to this region in the early 1900s. This region is also famous for its heritage structures including heritage homes and heritage commercial structures. The Edwardian and Victorian homes were built to house the Canadian Railway workers. By the 1950s and 1960s, this region saw a greater influx of Italian migrants after the changes were made to immigration rules. By the late 1960s, this region acquired the name of Little Italy due to the huge influence of the Italian culture.

The drive has a number of popular cafes and award winning baristas attracting crowd from different parts of Vancouver. This region has become a popular shopping destination over the years. Commercial drive has received several awards as a shopping destination including a place in the Top 10 hippest neighborhoods in North America award initiated by Utne reader. Commercial drive also has the distinction of being the third largest film producer in the North American region behind Los Angeles and New York.

• Downtown Vancouver

Vancouver, also known as Rain City by people who don't know how to enjoy a coastal rainforest, was first settled by Californian prospectors brought by tales of gold in the Fraser Canyon. Most prospectors didn't strike it rich, however, and many chose to settle down and invest in more stable careers. The areas main industry slowly turned from gold mining to lumbering. This profitable trade continued until 1884 when the Canadian Pacific Railway chose Vancouver to be the end point of the Canadian trans-continental railroad. Vancouver quickly boomed into a bustling port town whose primary industry was shipping and trading. Since then, Vancouver has continued to grow and attract world-wide attention, becoming the melting pot of Canada with more than half of residents being first or second generation Canadians.In present times, Vancouver sees the same level of development as most ports around the world. Large skyscrapers dominate the skyline and dock and warehouses dot the waterfront. One of the most lucrative businesses in modern day Vancouver is the film industry, producing such prominent films that it has earned the nickname Hollywood North. Being one of the largest and most diverse cities in North America, Vancouver has something to offer for everyone.

My Canada Payday's first payday loan office was located in the downtown area before moving to Surrey.

• Dunbar Village

Dunbar Village is a neighborhood on the western edge of Vancouver, British Columbia, where My Canada Payday issues loans. This area was home to the Musqueam tribe of the First Nations people, and was populated as early as 400 B.C. Like many Vancouver neighborhoods, it was first settled in the 1860s and grew significantly in the early 1900s due to influences from the Canadian Pacific Railway. Residences were established in the 1910s for students and faculty of the University of British Columbia, established in 1908. Many homes from this era remain, and the neighborhood has maintained a significant suburban feel due to its location at the edge of Vancouver.

Dunbar Village maintains many gardens and parks, and its streets are lined with trees. Hundreds of cherry trees have been planted and their blossoms grace the neighborhood every spring. The Pacific Spirit Regional Park borders the neighborhood and contains a bog sacred to the Musqueam of the region.

Dunbar Village is also home to the Southlands, a wealthy subdivision. This area includes many large estates and the exclusive Southlands Riding Club.

• Fraser Street

Fraser Street is turning out to be one of the major shopping hubs in the Eastern Vancouver region. Some 20 years back, Fraser Street was somewhat infamous for the shadier side of the city but has improved greatly. Fraser street has attracted a number of independent business owners to set up their boutique shops due to the cheap rentals when compared to the other regions in Eastern Vancouver. Fraser street is home to a variety of ethnically diverse restaurants like the Chinese, Indian, Filipino and Polish.

In addition to the individual specialty stores, this street has also attracted Franchise business divisions like Subway, Starbucks and Shoppers Drug Mart. Due to this rapid commercial growth, Fraser street has attracted a number of first time home buyers to look for condos and townhouses in and around Fraser Street. Fraser Street came in to prominence as early as 1875, when North Arm Road was created to carry the wagons from the Fraser River Delta area to the false creek region. With the completion of Fraser Street bridge in 1905, Fraser River Delta region was able to connect with Richmond

• Gastown

Tourists often go sightseeing to the historic site of Gastown in British Columbia, more specifically the northeast part of downtown Vancouver. It is surrounded by Columbia Street, Cambie Street, Hastings Street and waterfront. This town consists of houses that are predominantly modern in style and boutiques that have expertise in interior furnishing. Nightclubs, Restaurants, hotels are major sources of amusement in the site and a big attraction for the tourists. Architects, all-purpose businesses, music studios, acting schools and other offices complete this town. Companies like Idea Rebel, MarketR, Zaui Software and BootUp Labs Society are some of the major ones in this town. The Gastown Gazette reports all the local events in this town. Being completely downtown, Gastown owes its name to Yorkshire sailor and the captain of a steamboat, who landed on this site in the year of 1857 to establish a saloon. The "National Historic Site of Canada" award was designated to this town in the year of 2009.

• Hastings Crossing

Hastings is a neighbourhood in Vancouver, British Columbia. It is one of the oldest neighbourhoods in Vancouver, dating to the mid-1800s. It is named for Admiral Hastings of the Pacific Navy of Britain, not the famous Battle of Hastings as is sometimes thought. It was established as a harbor town along the Burrard Inlet and to provide a recreational and resort destination for nearby populations. By the 1920s, the neighbourhood had grown significantly and became the site of the Port of Vancouver, a major employer there for the past 90 years. Rapid growth and tourism led to the establishment of a racetrack and other "undesirable" developments. In response, the community established the Pacific National Exhibition, a large, multi-week summer fair and amusement park in Hastings.

The neighbourhood remains young and vital today, with over 55% of the residents under the age of 40. Hastings is home to many children; the average household size is 3, far higher than the Vancouver average of 2.3. There is a significant Chinese influence, as the largest population group speaks Mandarin or Cantonese as a first language rather than English or French.

• Hastings North

Hastings North is an ethnically diverse community with a larger presence of Chinese population. In addition to Chinese, people in Hastings North also speak Spanish, Vietnamese and Italian. People in this region prefer apartments to single family homes and this has contributed to a significant increase in the rental population. The heritage structures that are still being maintained include the Franklin House, St.David's Church and Hastings Elementary school.

Hastings North has a number of well maintained parks in the form of Oxford, Cambridge and Pandora parks. The region also has a library in the form of Hastings community library. As far as the ethnic origin is concerned, the top five ethnic groups in Hastings North include the Chinese, Canadian, Italian, English and Scottish groups. The region provides good connectivity to Vancouver downtown by road as it is located close to downtown. This region has significantly higher Chinese, Vietnamese and Italian language speakers than the other regions in Vancouver. McDonalds Elementary, Hastings Elementary and Templeton Secondary schools provide good quality education to the kids living in this community.

• Kerrisdale

Kerrisdale is a neighbourhood on the southern edge of Vancouver, British Columbia. This neighbourhood was primarily settled in the late 1800s and early 1900s. Like many Vancouver neighbourhoods, it saw significant growth due to the introduction of the British Columbia Electric Railway which connected the outlying towns and villages to the downtown Vancouver core. It was adopted as a neighbourhood into Vancouver proper in 1929.

Kerrisdale is a relatively wealthy neighbourhood. It is home to the Southlands, an affluent region that includes the exclusive Southlands Riding Club. This Club and the desirability of land for large home construction make this region popular with wealthy home-buyers. Like most neighbourhoods in Vancouver, the older homes in the area are primarily single level bungalows or ranch style homes. In the 1980s, a significant swell of rich immigrants from Hong Kong arrived and replaced these smaller homes with larger, modern multi-story homes. This has led to an eclectic mix of architecture in the Kerrisdale neighbourhood.

• Kitsilano 4th Avenue

Kitsilano and 4th Avenue is located in the largest city in British Columbia, Vancouver. It is located to the western side of Vancouver. Kitsilano, or Kits as the locals call it, is a major commercial region in the city with many retail stores, organic food markets, payday lenders and popular hotels dotting this part of the city. In the 1960s Kitsilano attracted people from different parts of Canada and United States, who had embraced the hippie culture.

During that period, this region along with Gastown were the two major regions responsible for spreading the Hippie culture in this part of Canada. The Soft Rock Cafe located in the 4th Avenue was a major concert venue during the peak of the Hippie culture. In the 1990s this cafe was converted in to a big shopping complex.

One of the major building structures in 4th Avenue that stills remains to the day is Naam Cafe that serves vegetarian, natural and vegan food to the community population. Kitsilano 4th Avenue is also famous for the birth of California style Cafe, called Topanga Cafe. 4thAvenue in Kitsilano also has the privilege of seeing the opening of the first set of three licensed pubs in 1960s and is still serving the community.

• Marpole

Marpole is a neighborhood in southern Vancouver, British Columbia. The area was first settled at least as early as 3500 B.C. by First Nations peoples. Like many of Vancouver's neighborhoods, Marpole was first settled in the 1860s and experienced a large period of growth in the early 1900s with the establishment of the railway system. The British Columbia Electric Railway connected Marpole to other population centers in the Vancouver area, encouraging the growth of the materials industry. In fact, the neighborhood was named for a Canadian Pacific Railroad executive, Richard Marpole , during this period.

Following the post-World War II decline in industry, the neighborhood shifted towards a residential and commercial area. Some industry remains along the river and at the outskirts of the city. Marpole is currently undergoing a large redevelopment project to create the Marine Landing, a precinct which will house residential and commercial towers as well as a large amount of retail space. This will continue the shift of Marpole from an industrial neighborhood to a commercial and residential center.

• Mount Pleasant

Mount Pleasant can be considered to be as one of the earliest suburbs of Vancouver with the rapid growth of brewery industry in the late 19th century. The creek that flowed through this region resulted in the mushrooming of breweries in Mount Pleasant. It is actually located to the South East of Vancouver downtown. It is well connected to downtown Vancouver through transportation networks like Canada Line and the Sky train. South Main or SoMa is one of the major areas located within Mount Pleasant geography. This region refers to the main street and the streets that intersect the main street.

Main Street is the commercial center of Mount Pleasant and has a number of bars, restaurants, cafes and pubs lined on both sides of the main street. Mount Pleasant has nine parks located in its neighborhood including the largest, China Creek North Park Most of these parks come with a jogging trail and playgrounds and courts for different sporting activities like Tennis, Basketball, Soccer and Baseball. The region has three elementary schools in the form of Florence Nightingale Elementary school, Mount Pleasant Elementary school and Simon Fraser Elementary school.

• Point Grey Village

Point Grey is a neighbourhood on the northwestern corner of Vancouver, British Columbia. Located at the mouth of the Burrard Inlet that forms the city's northern border, Point Grey is one of the oldest neighbourhoods in Vancouver. It was named by Captain George Vancouver for his friend Captain George Grey, a fellow Royal navy officer.

The neighbourhood has flourished due to its location on the major waterway servicing Vancouver. Due to that geography, its proximity to downtown Vancouver, and the presence of the nearby University of British Columbia, Point Grey has been a thriving and wealthy neighbourhood for much of its history. There are many old families of Vancouver that remain in the area from its founding and many of the homes date from before World War II. The real estate of parts of the neighbourhood is some of the most expensive in North America. Average household income in Point Grey is more than twice the Vancouver average. The population is largely English-speaking and non-immigrant, and is a mix of young upper-middle class professionals and older moneyed families.

• Robson Street

Robson Street is one of the most famous areas within the city of Vancouver, British Columbia. It is as iconic as Rodeo Drive in Los Angeles or Park Avenue in New York City. The street was named after a famous businessman and politician John Robson who governed the area in the 1890's. The thoroughfare was once comprised of small merchant shops and was inhabited by many German merchants who resided there in the beginning and mid 20th century. This street slowly changed over to high end retailers and retail establishments for wealthy consumers in the mid to late 1900's. Robson Street is also known for its expensive high rises and condominiums. Robson Street has some of the best restaurants in the city of Vancouver. It is also known for its high end fashion retailers. The street contains many of the world's top designers who offer men's and women's clothing and accessories to the citizens of Vancouver. Robson Street connects visitors to many interesting places for people to see such as the Vancouver Art Gallery and a major sports complex known as B.C. Place Stadium.

• South Granville

South Granville is a neighborhood south of Downtown in Vancouver, British Columbia. It was officially established in 1907. False Creek divides the area from downtown, and prior to the construction of the Granville Street Bridge, residents were forced to row across the water to reach downtown Vancouver. South Granville began as a relatively upscale neighborhood, with many mansions being built in the inexpensive lots available during its creation. It was a shopping destination for the region. This visitor traffic led to the construction of the Stanley Theatre, an early 1930s movie theatre, and cemented South Granville's identity as an arts destination with the Gallery Row series of art galleries.

Today, South Granville is a business improvement area, wherein local businesses pay additional taxes to supplement the local municipal services. This has led to South Granville being a clean, well-maintained, and vital shopping district. Its residents are mostly English speaking with an average household income equal to the Vancouver average, but the average household is much smaller in South Granville, leading to more disposable income and is a match for the neighborhood's business-oriented development.