Financial stress has a way of creeping into daily life. It affects the way you think, sleep, work, and make decisions. For many Canadians, it often feels like a quiet weight you carry through every part of your week, even when nothing obvious has changed. Rising costs, unexpected bills, and the pressure to keep up […]
We’ve all been there. The months we over spend and end up not saving. But before this becomes a regular habit, get yourself back on track by tightening the savings belt. It is always easier said than done, but when it comes to your money, we are way better spenders than we are savers. It’s […]
It seems like a silly question right? But when it comes to saving money, can you afford to save more? There are many factors involved when it comes to your savings, but no matter how you are managing your money; your savings is something you should always be keeping an eye on. So when it […]
Whether it is kindergarten, high school or college, preparing for your child’s enrollment at any age is more than just a financial stressor. Education is a major cost in any parent or child’s life; are you financially prepared for these milestones? So what are the steps you need to take to get ready for your […]
Back to school season can be one of the most costly and financial stressful times of the year (besides Christmas of course). So what are your biggest expenses when it comes to back to school? How are you financially prepared for this school year? We took notes from some of our customers when it comes […]
It’s that time of year again! September is known as back to school season and we want to know, are you financially prepared? No matter what age or grade your child is going into, school expenses can cost you. That’s why we’ve rounded up the best tips and tricks for savings to make this back […]
When it comes to budgeting for the family, it can feel like the expenses are never-ending. So how to you keep track of what’s coming in and what money is going out? Can you be doing a better job at managing your family expenses or are you looking for new ways to start saving more […]
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 […]
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.
