Not everyone can afford to take a vacation every time they have some vacay days to use up. On top of that, you may need to use your vacation days by a certain day, and that timeline may not work for the rest of your family, or your kids school schedule. For many of us, […]
You’ve heard of the saying, “money can’t buy happiness”. But do you believe it? We work all day to earn it and are constantly spending it, but is there a certain amount that would make you happy? It’s one of the most common issues couples fight about, and a reason why people switch jobs and […]
The term “invisible expenses” is being used more and more, but do you really know what it means? What do invisible expenses encompass and how do you identify them? Invisible expenses are costs you realize after it’s too late, usually at the end of a month when you balance your budget, or when you say […]
Spring has sprung and we’re thinking of all the ways we can Marie Kondo our lives. Cleaning out our closets, deep cleaning all corners of our homes, but what about your finances? Did you ever think that they may need a good spring refresh as well? Organizing your finances isn’t as difficult as it sounds, […]
Buying a home is one of the biggest life purchases you can have. And depending on where you live can have a major impact on what your spending and costs will be as there are many things that go into purchasing a new home. So now that you’ve made one of the biggest purchases you […]
So you’re looking at getting a payday or short term loan. Where do you start? You’ve come to the right place, because here at GoDay, we’re here to help. In a recent report by the Financial Consumer Agency, they found that nearly two million Canadians use payday loans each year. And that’s why people are turning […]
You’ve decided to plan and book your dream vacation and are ready for take off. Or you are trying to figure out how to turn your bucket list into reality and have the finances to pay for your dream trip. Whatever the case, creating a travel budget should be a priority. You may be really […]
One of the biggest roadblocks in many relationships usually involves finances. Fear, anxiety, anger, can all begin to plague two people in a partnership, especially when speaking about finances doesn’t come up until after you are married. Money can be a source of destruction, but it can also be a source of creativity in a […]
The money you hope you’ll never need to use. The “rainy day fund” is the popular term used for the money you’ve saved that may need to be used when a disaster strikes. While you can’t plan for the unexpected, you can take a bit of salt off the wound by ensuring your financially prepared […]
It’s easy to be misinformed when it comes to your personal finance. We’re surrounded by tons of information being thrown our way from online, family and friends, financial advisors, our banks, and the list goes on. Finance can be confusing, especially when everyone is telling you something different. We’ve all made foolish money mistakes because […]
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.
