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Borrowing $150 plus
$22.50 in interest & fees
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Have Questions?

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1 888 98 GODAY
WHY GoDay?

At GoDay, we're passionate about serving you and are driven to deliver you the cash loan you need, fast. We'll help you get the most out of every situation and consistently strive to deliver greater value.

Payday Loan FAQ

We've done our best to cover them all, but if we haven't answered your question below, please feel free to contact us.
What service does GoDay provide?
GoDay provides Canadians with online payday loans. These loans are not intended to provide a long-term financial solution. Rather, they are intended to solve urgent but temporary cash-flow needs.
How do I apply for a GoDay loan?
You can apply for a GoDay loan by completing an online application 24/7. The process is quick and easy; we are committed to offering one of the fastest, short-term loan services online. Within seconds of submitting your application, we will let you know if your application has been received and pre-approved. Should we need any additional information from you, we'll be in touch promptly by phone or email. If approved, we will use the industry's fastest tools to transfer your loan as soon as possible. GoDay Customer Service is available to help between the hours of and , Monday through Friday, as well as between and on Saturdays, , with the exception of bank and statutory holidays. View the GoDay loan application.
How quickly can I receive my loan?
GoDay partners with the most reputable financial institutions and uses the fastest tools in the industry to ensure you get the speediest service possible. Your loan is quite literally on it's way to you once you receive an email from us confirming it is in transit. Actual time to receive your funds depends on your financial institution, but typically it ranges from one hour to a couple of hours. (See our funding chart below for details).
Application Approved Before 2pm EST After 2pm EST
Monday to Thursday Same Day Deposit Evening or Overnight Deposit
Friday and Saturday Same Day Deposit
Sundays and Holidays Next Business Day Deposit
Please note that funding times vary by financial institution. GoDay advances funds by direct deposit and email money transfer. Please consult a GoDay Team Member for more detailed information.
How much can I borrow?
The first time you take out a GoDay loan, you can borrow a maximum of $500. As we get to know one another and establish mutual trust, we are open to discussing an increase in loan amount up to a maximum of $1500.
What do I need in order to get a GoDay loan?
To get a GoDay loan, you must:
  • be a Canadian resident over the age of 18
  • have an open bank account with a Canadian bank or credit union
  • have your own, valid email account
  • provide us with your home or cell phone number
  • be actively employed or receiving income from CPP and/or a private pension
Do I need to be employed in order to get a GoDay loan?
In order to get a loan you must be actively employed or receiving income from CPP and/or a private pension. We do not currently lend on disability, employment insurance (EI), child tax benefits, old age security, welfare, or social assistance.
Can I get a GoDay loan if I am not a homeowner?
Yes. Renters are welcome. As long as you can provide a current address, details of a regular income, and a guarantee to repay your loan, we're happy to consider your application.
Do I need a bank account to get a GoDay loan?
Yes. To take out a payday loan with GoDay, you must have an open bank account with a Canadian bank or credit union so we have somewhere to deposit your funds!
What personal information does GoDay collect?
GoDay considers personal contact information, employment information, and banking information when reviewing loan applications. All information collected is held in strict confidence in accordance with user information and security guidelines. View our privacy policy.
Does GoDay perform credit checks?
Yes. GoDay may conduct a credit check as part of our automated decision making process. It is likely this will have no impact on your credit score, though this does depend on your credit history. Please keep in mind that we consider much more than just your credit when reviewing your application. To give yourself the best chance of acceptance, make sure you provide accurate information on your online application. If you're an existing customer, you can always update your information with us by contacting GoDay Customer Service at [email protected].
What if I have bad credit?
Credit is one of the many factors our automated system considers when reviewing a loan application. GoDay will not necessarily decline you if you have poor credit. To give yourself the best chance of acceptance, please make sure you provide accurate information on your online application. Please note that if you have any items in collections with other payday or short term lender our system is significantly less likely to accept your loan application.
Do I need to give a reason for my application?
No. We do not need to know how you plan to use the money. As long as you borrow responsibly and are able to pay your loan back on time, we are happy to bridge your cash flow gaps.
What if I am already in debt?
GoDay strives to be a responsible lender. Our service is not intended to be part of a long-term financial solution, and should not be used to repay existing debt. We ask that you apply for a GoDay loan only if you are confident in your ability to pay it back within the specified time frame – without incurring further debt. Please borrow responsibly, and be sure to visit our learning centre, Finance 101, for valuable personal finance insights.
How much will a loan cost me?
There are no fee surprises! Exact fees are always disclosed on your application page, as well as on your actual loan agreement. However, should you fail to repay your loan within the specified term, you will incur a one time missed payment fee & interest will continue to accumulate on your outstanding balance until paid in full. This will affect your GoDay Trust Rating.
When will I need to pay back my loan?
If you take out a GoDay payday loan, it's due on your next regularly scheduled pay date unless your next pay date is in the next two days, in which case it's extended to your following pay date. Please note that some provinces have extended payment plans available based on your borrowing history with GoDay. If this option is available to you, it will be disclosed during the loan approval process.
How soon can I borrow again?
Since GoDay is committed to responsible lending, our policy is that you must repay your current loan with us in full before applying for another. Once your payment clears, you are free to apply again! If you have any questions or concerns about your long-term financial security, please check out our Finance 101 page.
How do I pay back my loan?
On the agreed date, GoDay will automatically withdraw payment directly from your bank account. If you wish to make alternative payment arrangements please contact Customer Service at least two business days prior to your repayment date. Reach customer service toll free at 1-888-98-GODAY or by email [email protected].
What happens if I don't repay my loan?
If you fail to repay your loan within the specified term, we will contact you to arrange payment. If you are still unable to repay the loan, we will apply a dishonored payment fee. Your account will be handled by our professional collections team. They will do their best to help you manage repayment. If our collections team is unable to recover your past due balance within a reasonable time frame, we will forward your account to an external collections agency. We will all do our best to help you figure out a solution. If, however, you fail to cooperate, your credit score will be impacted for up to six years, as will your relationship with GoDay.
How do public holidays and weekends impact GoDay service?
A loan may only be deposited into your financial institution if it is open for business. For regular hours and details of bank holiday closures, please consult your financial institution. Also, please note that GoDay will be closed on bank and statutory holidays.
What if I'm disappointed by GoDay's service?
We want your GoDay experience to be easy and enjoyable. If it is anything less, please let us know right away by completing the feedback form or contacting us by telephone so that we can make things right. If, after speaking with one of our customer service representatives, your concerns are unresolved, you may submit a formal complaint via email, after which a member of our senior management team will handle your concern personally.
Do you have any retail stores?
No. We operate solely online because we understand the need for super fast service and the desire for privacy.
How do I apply?
Easy! Click the big orange APPLY NOW button and follow the simple application through to completion. If approved, you could see your funds in as little as an hour.
I'm a new customer. How much can I be approved for the first time?
We offer loans to approved new customers of up to $500 on their first loan with us.
What is the maximum I can borrow from GoDay if I've been with you for a long time and have repaid every time?
a. You may be eligible to borrow up to $1500. Log into your GoDay Account and submit an Express Re-Loan application online.
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