A new year always arrives with a quiet promise. The promise of a clean slate. The chance to reset your relationship with money. The moment to shift from hope to action. Whether last year felt steady, stressful, or somewhere in between, this is your opportunity to build financial goals that feel grounded, realistic, and achievable. […]
Impulse spending looks small in the moment. A treat, a pickup in mood, a quick reward after a stressful day. But over time, those moments become patterns, and those patterns begin to shape your financial stability. Many people blame impulse buying on a lack of discipline, yet the truth is far more layered. Impulse spending […]
The holiday season is supposed to feel magical: warm lights, cozy gatherings, surprise gifts, and laughter around the dinner table. But for many Canadian families, it also carries a quiet undercurrent of worry. What if something unexpected blows the budget? A delayed flight, a last minute gift emergency, a surprise medical bill, or a sudden […]
Life doesn’t always line up with due dates. An unexpected bill, a short paycheque, or a forgotten reminder can mean a loan payment slips by. If that happens, what’s next? Do you face immediate damage to your credit? Will collectors call? Can the lender take legal action right away? These concerns are common, and valid, […]
Each year, as leaves shift colour and schools refill with backpacks, many Canadian households brace for another predictable cycle: back to school costs, fall activities, Halloween, holiday prep. These seasonal markers are joyful in many respects, but they also trigger a very real and often stressful financial rhythm. Let’s unpack how seasonal spending Canada patterns […]
The holidays often arrive faster than expected. One moment Canadians are enjoying the last colours of fall, and the next they are scrambling for last-minute gifts, juggling higher utility bills, and trying to cover travel costs and festive meals. For many households, December spending lands like a snowstorm: heavy, overwhelming, and expensive. That is why […]
Rejection can sting, especially when it comes from your bank. You’ve filled out the forms, provided the paperwork, and waited for that call or email… only to hear “no.” For many Canadians, that moment brings a wave of uncertainty. How will you cover that unexpected bill? How will you pay for the car repair you […]
September has a certain clarity to it. The humid haze of summer fades, and in its place comes crisp mornings, turning leaves, and, if we’re being honest, a subtle undercurrent of anxiety. The holidays are only a few months away. That means gift lists, travel plans, and social events are on the horizon. If you […]
The back-to-school season is supposed to feel hopeful. It’s the fresh start, the new shoes, the sharp pencils, the excitement of what’s next. But for many Canadian parents, especially those already walking the financial tightrope, it’s also the most stressful time of year. Not because of the unknowns, but because of the very known: the […]
When life throws unexpected expenses your way, be it a sudden car repair, an urgent medical bill, or an essential home fix, quick access to funds can feel like a lifeline. That’s why fast online loans have become a go-to solution for many Canadians looking for quick cash in emergencies. But while the convenience is […]
Ontario, Alberta and New Brunswick residents: The cost of borrowing at is $15.00 per each $100.00 advanced. On a $300.00 loan for 14 days, the cost of borrowing is $45.00, with a total payback amount of $345.00. The maximum allowable cost of borrowing under payday loan agreements is $15.00 per $100.00 borrowed. Late-payment interest on your online payday loan is calculated at a rate of 59% per annum on any principal that is outstanding. There is also a one-time $50 fee for any dishonoured pre-authorized debit that comes back non-sufficient funds.
British Columbia residents: The APR on a $300.00 loan for 14 days is 391.07% at a rate of $15.00 per $100.00 borrowed. Late-payment interest on your online payday loan is calculated at a rate of 30% per annum on any principal that is outstanding. There is also a one-time $20 fee for any dishonoured pre-authorized debit that comes back non-sufficient funds.
Saskatchewan residents: The APR on a $300.00 loan for 14 days is 443.21% at a rate of $17.00 per $100.00 borrowed. Late-payment interest on your online payday loan is calculated at a rate of 30% per annum on any principal that is outstanding. There is also a one-time $25 fee for any dishonoured pre-authorized debit that comes back non-sufficient funds.
Nova Scotia residents: The APR on a $300.00 loan for 14 days is 495.36% at a rate of $19.00 per $100.00 borrowed. Late-payment interest on your online payday loan is calculated at a rate of 30% per annum on any principal that is outstanding. There is also a one-time $25 fee for any dishonoured pre-authorized debit that comes back non-sufficient funds.
Non Payment Policy: To collect on a loan in default GoDay.ca will utilize all collection practices available to the issuers of consumer credit in Canada.
Renewal Policy: We do not automatically renew payday loans.
