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 […]
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 […]
An emergency fund can help you handle life’s ups and downs, which you can never anticipate. Being prepared for unexpected events in your life can be challenging, but it is doable. The pandemic has shown us that you never know what could happen. An emergency fund can lighten the blow and provide you with the […]
When it comes to having an emergency fund, are you prepared if something were to happen? Your emergency fund is more than just a savings account, it should be ready for whenever the unexpected happens. Of course, we hope that you would never have to use such funds, but it is always better to be […]
A lot of people think that because they have savings, they will be financially okay in an emergency. But do you have a specific set of funds dedicated to an emergency fund for when you really need it? Any form of savings are helpful, but in the case of a financial emergency, you should […]
Payday Loans Online | GoDay.ca If you’re living paycheque to paycheque, you’re not alone – over 40% of Canadians say they would be in financial hot water if they missed their pay by a week, according to the Canadian Payroll Association. Putting aside the recommended six months of living expenses is difficult for most people, […]
Unexpected medical emergencies can take place at any time, and the financial burden they impose can be overwhelming. The costs associated with emergency medical care can quickly escalate from sudden illnesses and accidents to chronic conditions requiring immediate attention. Being financially prepared for such scenarios is crucial to mitigate stress and ensure you or your […]
By the GoDay.ca Customer Education Team. GoDay is a licensed Canadian online lender that has funded short-term loans by Interac e-Transfer and direct deposit since 2012, including on weekends. Key Takeaways A weekend loan is a short-term loan that you can apply for and receive outside banking hours, usually on a Saturday, a Sunday, or […]
Key Takeaways After your regular expenses are covered, you have some money left. Do you use it to pay down debt or put it into savings? It’s not always an easy decision. Putting more toward debt can reduce what you’re paying in interest and help you make progress on your balances. But if you put […]
For many newcomers, one of the biggest surprises is how difficult everyday financial life becomes without Canadian credit history. Renting an apartment becomes harder. Phone plans require larger deposits. Car financing costs more. Even basic borrowing options may suddenly feel out of reach. The reality is simple. In Canada, credit history acts as proof of […]
British Columbia: The APR on a $300.00 loan for 14 days in BC is 365% at the rate of $14.00 per $100 borrowed. Online BC Payday License # 67513.
Ontario Residents: The cost of borrowing at GoDay.ca is $14.00 per $100.00 for each $100.00 advanced. On a $500.00 loan for 14 days, the cost of borrowing is $70.00, with a total payback amount of $570.00 and an annual percentage rate of 365%. The maximum allowable cost of borrowing under payday loan agreements is $14.00 for each $100.00 advanced.
New Brunswick Residents: The maximum charges permitted for a Payday Loan is 14% of the principal. We charge $14 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $42, with a total payback amount of $342 and an APR of 365%.
Nova Scotia Residents: The total cost of borrowing $100.00 for 14 days is $14.00. Payday Loans are High Cost Loans.
Saskatchewan Residents: The maximum allowable cost of borrowing under payday loan agreements in Saskatchewan is $14 per $100 borrowed. We charge $14 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $42, with a total payback amount of $342 and an APR of 365%.
Manitoba Residents: The APR on a $300.00 loan for 12 days is 425.83% on a rate of $14.00 per $100.00 borrowed. To learn more about your rights as a payday loan borrower, contact the Consumer Protection Office at 1-204-945-3800, 1-800-782-0067 or at www.manitoba.ca/cca/cpo.
Alberta Residents: The APR on a $300 loan for 42 days is 121.67% for a borrower who is paid weekly on a rate of $14.00 per $100 borrowed.
PEI Residents: The cost of borrowing at GoDay.ca is $14.00 per $100.00 per each $100.00 advanced. On a $300.00 loan for 14 days, the cost of borrowing is $42.00, with a total payback amount of $342.00. The maximum allowable cost of borrowing under payday loan agreements is $14.00 per each $100.00 advanced.
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.
