Online shopping is a huge industry and has completely changed the way consumers shop. In 2016 alone, Canadians spent $19.2 billion dollars on internet purchases and it’s expected that number will hit $39 billion by 2019. With online shopping making such an impact on the way people shop, there’s no question that, like always, people […]
Whether we like it or not, everything is online these days. This includes us! That’s why we’re the first to understand that filing personal information online can make you feel uneasy. We’re a payday loan company, which means we take all your financial and private information seriously and it is our job to help protect […]
There’s nothing more invigorating than when seasons start to change, especially when you live in a country that gets cold and dreadful winters. Spring brings with it melting snow, warmer temperatures, blooming flowers, and lifted spirits. Not to mention, the desire to clean up your home and life to get it ready for a great […]
Whether you’re paying for before and after school programming, daycare, or have a nanny – childcare expenses are one of the most talked about fees for parents. According to Money Sense Magazine (and most parents) finding childcare can be a difficult task. But it also shows that the average cost for a child in full-time […]
Grocery shopping is an obvious necessity that everyone has to do. Especially if you have a growing family, you know the struggle of keeping the fridge full in your busy household. It can seem like you’re constantly running back and forth to the store to restock on food or regular household items like toilet paper, […]
Everyone needs (and deserves) a break. Really, you do! And according to a survey in 2016, Daily Hive reported that Canadians received an average of 17.3 vacation days from employers this year, but only took 14 of them. That represents 31 million unused vacation days and $5.5 billion in wages going back to employers. But […]
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 […]
When it comes to shopping at Ikea, it can be an overwhelming experience. Just like there are secrets to shopping at Costco, there are definitely secrets to shopping at Ikea. But when it comes to shopping at Ikea, it is very easy to not only get lost but also fill your cart with things you […]
We know what you’re thinking, what do you mean budget for a lay off? Who can really anticipate being laid off? You’re absolutely right. What would you do if you unexpectedly lost your job? How would you survive and make ends meet? Sure, we don’t like to think of the worst case scenario but wouldn’t […]
Tax season is here and you have until April 30, 2018, to file and pay any outstanding amounts. For some people, tax season is a breeze, but for others, it can be very stressful. Whether you’re expecting a big tax bill or not, just getting the paperwork organized can be a daunting task. To help […]
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.
