It is easier said than done when it comes to saving money. There are many resources out there helping with tips for spending less, or how to get better savings habits; but here at GoDay – we know life happens and that’s why Canadians have been turning to us since 2012 for speedy, smart and […]
A payday loan is a short-term loan that can help you cover immediate cash needs until you get your next paycheck. Payday loans can be great options for when you have an important expense that needs to be paid but you’re waiting for a cash flow (like your paycheck) to come in. Is a payday […]
When it comes to finances, it’s easy to stress. Do you have enough saved? What if a costly emergency strikes? Will I be able to make ends meet? Will I have money for the future I want to lead? It’s normal for these questions to roll through our heads and for us to overthink and […]
You don’t need us to tell you how important it is to build your savings. However, 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 be doing to build up those savings? […]
What would you say is your worst spending habit? Do you spend the bulk of your money on a specific item each month? Like Starbucks. Or worse, do you have no idea where all your money is going towards? Everyone has bad spending habits and they can be on a variety of things depending on […]
We’ve all been guilty of being sucked into a sale. We check our emails and almost on a daily basis you’ll see email after email promoting an exclusive sale, limited time, shop now or forever hold your peace. It’s easy for these sales to suck us in. To make us feel like we’re missing out […]
Payday loans or short-term loans are usually a small value loan that’s taken out for a short time, typically until your next payday. A payday loan can be a great way to get cash quick, and with very little red tape, in order to make ends meet when you’re in a pinch. Payday loans are […]
Owning a home can be extremely expensive and an endless bill that you sometimes can feel like you can’t get ahead of. Expenses of owning a home go far beyond just your mortgage payments, and you likely don’t need us to tell you that. Whether it’s hydro and water bills, general day-to-day maintenance, or anything […]
There is a lot going on in the world around us. Making us want to do our part, and contribute where we can to the causes we believe in. However, this can seem challenging, daunting, and even leave us feeling guilty, when we just don’t have the spare dollars to put into the causes we […]
Groceries are a necessity. You don’t need us to tell you that you need food to survive and keep healthy. However, we often are sinking a ton of money into this “necessity” without even realizing it. We may be overlooking how much of our money is going towards groceries because it’s a “need” not a […]
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.
