Managing money as a household has never been simple, but lately, it feels heavier. Groceries cost more. Rent and mortgage payments continue to rise. Income can shift from month to month. And suddenly, even well-intentioned plans start to fall apart. That pressure is exactly why controlling family finances matters. Not in a restrictive sense, but […]
What would you say is your worst spending habit? Is it a specific item? Everyone has them and these habits can be a variety of things depending on your lifestyle and interests. But what bad spending habits can often allude to are bad savings habits. And as much as we would all like to spend […]
How do you keep track of your funds? Do you have a budget currently in place? IF so, what helps keep your budget on track? When it comes to creating a budget list, there are many things you need to keep in mind to make sure you’re not missing out on any opportunities to save. […]
When it comes to borrowing money that usually means you’re in a sticky financial situation. Whether it is borrowing funds just to keep you a float till your next paycheck or you’ve reached financial hardship, no matter your reason for needing to borrow money, managing those funds are key. There are many routes you can […]
What kind of credit cards do you have? Cash back? Points? Vouchers? Travel? There is basically a credit for everything these days so how do you know what the right credit card for you is? Some cards charge an annual fee and some can be free to use. Some cards have higher interest rates than […]
When it comes to managing household expenses, it feels like there is a never ending list waiting to be tackled. Rent or mortgage payments, hydro, water, internet and cable, and these are just some of the basics needed to live in your place. On top of that there’s food and groceries, any unexpected maintenance issues […]
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.
