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Apply for a Payday Loan Online
Five minutes, fully encrypted, no hard credit check. You'll receive a written offer showing the exact fee — max $14 per $100 — before anything is binding.
Before you press submit
Three-question self-check
- Is this a one-time emergency expense — not a recurring bill?
- Can your next paycheque cover repayment and your normal costs?
- Have you ruled out cheaper credit (overdraft, cash advance, line of credit)?
Three yeses: a payday loan is a reasonable tool. Any no: read our responsible borrowing guide first.
What happens next
After you submit
A licensed lender in your province reviews your application (minutes, most hours), verifies income through a secure read-only bank connection, and emails you a written agreement with the total cost in dollars. Sign it and funds go out by Interac e-Transfer. Ignore it and nothing happens — no cost, no credit-file trace.