Some months feel generous. Others feel tight before they even begin. When your income shifts from one month to the next, budgeting can feel less like planning and more like reacting. You might know how to earn, invoice, or hustle, yet still feel uncertain about what is safe to spend, save, or commit to. This […]
The holidays often arrive faster than expected. One moment Canadians are enjoying the last colours of fall, and the next they are scrambling for last-minute gifts, juggling higher utility bills, and trying to cover travel costs and festive meals. For many households, December spending lands like a snowstorm: heavy, overwhelming, and expensive. That is why […]
Managing personal finances in Canada has become less about discipline and more about navigation. Rising living costs, fluctuating interest rates, and unpredictable expenses have made it harder for many households to feel financially grounded. While most Canadians want to be intentional with their money, a surprising number still operate without a clear budget. Budgeting apps […]
Many Canadians struggle to keep up with the rising living costs, making it challenging to manage their household’s finances. According to a CBC News article, the significant rise in the price of shelter, food, and fuel has required Canadians to take up several jobs or return to work after retirement. As the demands on our […]
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 […]
Budget friendly health options may seem a distant idea. However, good health must be a priority. Basically, without good health, you wouldn’t be able to live the life that you want to lead. Nonetheless, staying healthy may also wreak havoc on your bank account if you don’t manage it properly. Lots of people think buying […]
It’s no surprise that December and the holiday season can be the most expensive time of year. In 2018, a study was done that revealed in America alone 33% of people were expected to spend at least $1000 on gifts. It’s safe to say that Christmas has turned into a holiday that has us spending […]
Budgeting can be stressful for a lot of people. So stressful in fact that many people just don’t do it. Creating a budget for the first time can be daunting, especially when you don’t really know where to start. However, if you’re like most of us, you’ve probably felt stressed about your finances at some […]
‘Tis the season! Back to school is fast approaching. Can you believe it? Where did the summer go? For some of us we’re mourning the end of summer, but for a lot of us, we are itching for our kids to head back to school to give us a bit of a break. Or maybe […]
Here at GoDay, we’re big on budgeting. But we also know that everyone has different financial priorities and that’s why we understand that sticking to a budget can be tricky. And these days, spending money can be easier than saving money. And getting you back on budget is one of the main goals of GoDay […]
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.
