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Search Results for: RRSP

Five Things to Think About Before Taking Money out of Your RRSP

April 5, 2018September 30, 2021 GoDay.ca Customer Education Team Leave a comment Life, Money, Saving

It can be very tempting when you’re in a financial pinch to want to dip into your retirement fund or RRSPs. The RRSP was created in 1957, and back then contribution limits were 10 percent of the previous year’s income to a $2,500 maximum. If an individual did not contribute in any given year, that […]

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RRSP Contribution Guide for the 2014 Tax Year

January 30, 2015September 30, 2021 GoDay.ca Customer Education Team Leave a comment Money

Payday Loans Online | GoDay.ca Tax time is busy for everyone, so here is a quick getting started guide to get you on your way to saving for your future via RRSP’s & TFSA’s. This week, we’ll cover the former, so check back next week when we review TFSA’s in detail. What’s the difference between the […]

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What are RRSP’s and TFSA’s?

October 9, 2012September 30, 2021 GoDay.ca Customer Education Team Leave a comment Money

The TFSA A TFSA can be an excellent way to save some money for the future, unfortunately a large portion of Canadians using TFSA’s do not know how to use them to maximize their return. Another scary statistic is that according to a CIBC survey that 41% of Canadians have no idea what they plan […]

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Cash Cushion or Credit Crutch? Knowing When a Loan Makes Sense

June 27, 2025June 13, 2025 Asam Afzal Cash Advance Loan

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 […]

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Money 101: Essential Financial Skills Every Young Adult Needs

April 16, 2025April 9, 2025 Asam Afzal Money

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 […]

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Your Guide to Old Age Pension in Canada

October 25, 2024October 10, 2024 Charlene Royston Money

As retirement approaches, understanding the financial resources available to you becomes crucial. The Old Age Security (OAS) pension is a key component of retirement planning for many Canadians. This government-funded program provides financial support to seniors, ensuring they have a basic income level in their later years.  At GoDay, we aim to ensure Canadians are […]

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How to Map Out Short-Term and Long-Term Financial Goals

January 15, 2024January 15, 2024 Charlene Royston Money

Having a clear plan is essential for reaching financial success, and strategic planning is the cornerstone, whether you’re pursuing short-term financial goals or long-term financial security. An October 2023 CTV News article referred to federal data, revealing that a quarter of Canadians struggled to make ends meet. The escalating cost of living in Canada is […]

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Your Guide to Paying off Debt: How to Pay off Debt Fast

June 27, 2023June 12, 2023 Charlene Royston Money

Financial burden is a common problem many individuals face, and debt can significantly contribute to the issue. According to a Fraser Institute 2023 report, The Growing Debt Burden for Canadians, “the debt burden for families across Canada has been growing substantially for more than a decade.” The report suggests Canada has a growing debt problem […]

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Are You Saving As Much As You Should? Check it Out!

October 21, 2020November 5, 2021 GoDay.ca Customer Education Team Leave a comment Life, Money, Saving

Savings. We all know they’re important, but how do you know if you are saving as much as you should be? Even if you are putting away money on a regular basis, are you doing all that you could? Knowing exactly how much you should save can be hard. We often think putting away any […]

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How To Give To Charity Without Blowing Your Budget

July 27, 2020December 15, 2021 GoDay.ca Customer Education Team Leave a comment Life, Money, Saving

Overall, there is a lot going on in the world which can make you want to do you part. However, this can seem daunting if you don’t have the spare dollars to put into the causes you believe in. Given that, you might even feel guilty. How can you give back without blowing your budget? GoDay […]

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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.

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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.

VerisignBBBCanadian Consumer Finance Association