When people talk about building credit, the conversation almost always turns to credit cards. But what if you don’t have one, or simply don’t want one? Whether you’re just starting out or rebuilding after financial setbacks, there are smart, safe, and strategic ways to grow your credit score without ever swiping plastic. At GoDay, we […]
Understanding how your credit is checked can shape the outcome of your next loan application. Whether you’re applying for your first personal loan, exploring short-term solutions, or repairing your financial footing, knowing the ins and outs of soft and hard credit checks puts you in control. This guide walks you through what each type of […]
We all hit those moments in life when our savings can’t quite stretch far enough. Maybe it’s a car that won’t start the morning of a big job interview, a dental bill that arrived earlier than expected, or just life reminding you it doesn’t follow your budget. That’s when many ask: “Should I borrow money […]
Most of us don’t set out to miss payments. But life doesn’t always stick to the budget. An unexpected car repair, a late paycheque, or even a spike in grocery prices can throw everything off. Before you know it, rent is overdue, your credit card minimum is still unpaid, and you’re juggling phone calls from […]
When life throws a financial emergency your way, you don’t get a warning, you just get a bill. In that moment, the real question isn’t if you’ll need money. It’s where you’ll get it from, fast, safely, and smartly. At GoDay, we know how overwhelming unexpected expenses can feel. That’s why we’re breaking down the […]
There’s a lot of advice out there about credit, and not all of it deserves your trust. Unfortunately, misinformation often spreads faster than facts. At GoDay, we see it all the time: smart, capable people making costly credit decisions because they’ve been misled by myths that sound convincing but couldn’t be further from the truth. […]
It’s never just about the money. It’s the late-night scroll, the one-click splurge, the thrill of new, followed too often by a sinking feeling. If you’ve ever wondered why it keeps happening, you’re already asking the right question. At GoDay, we know how easy it is to fall into spending patterns that don’t truly serve […]
Financial survival in 2025 looks nothing like it did even five years ago. For Gen Z and millennials in Canada, the concept of “making ends meet” has become more of an ongoing strategy than a steady state. With inflation still stubbornly affecting everyday essentials, from rent to ramen, young Canadians are rewriting the rules of […]
If there’s one life skill that should be taught before you ever sign a lease or swipe a debit card, it’s this: how to manage your money. At GoDay, we’ve seen firsthand how financial stress can weigh you down. But we’ve also seen how empowering it is when someone starts to truly understand and take […]
Job loss can feel like the floor’s just disappeared beneath you. One day you’re planning your next vacation or upgrading your kitchen appliances, and the next, you’re staring at a termination letter wondering how you’re going to pay next month’s rent. We understand that it’s overwhelming. But here’s the thing: financial survival after job loss […]
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.
