On one of the most romantic days of the year, showing your love doesn’t have to come with a price tag. Commonly seen with roses, chocolates and shiny gifts, Valentine’s Day has become a holiday that everyone, no matter your age or relationship celebrates. Children hand out valentines, single friends get together to celebrate being […]
Even though it has been a mild winter here in Toronto, we still like to participate in Winter activities. Especially activities without a hefty price tag. Toronto always has a lot going on, and finding something fun to do doesn’t have to cost you. So we created a checklist of fun, free things to do in […]
The Super Bowl is almost here and no matter what your plans are Super Bowl Sunday is another reason for more than just sports fans to get together, but for everyone to enjoy a night of games, food and drinks. Whether you’re hosting or attending a Super Bowl party, we give you party ideas that […]
Are you an online shopper? It’s very common for people to shop online without realizing how much they’re spending because the physical aspect is no longer there. Online shopping is now easier than ever and can also end up being the better deal compared to different retail stores. As fun as it may be to […]
Do you have a spending journal? Or how do you keep track of your money? Many people have different ways of how they like to manage their finances. Everything from the pen and paper method to excel spreadsheets or even mobile apps are all different methods we commonly hear about. But because there is always money […]
It’s that time of year again; with 2015 coming to an end it’s time to start planning ahead for what 2016 has in store. Everyone looks at New Year’s resolutions differently, whether that is to get into a new habit or break a bad one as long as you’re following through on them is considered […]
On this week’s Common Cents Wednesday’s we give you a special holiday edition. The holidays can be financially stressful and we have already told you about the top money wasters this holiday season, so instead we have created common cents list of holiday money mistakes for you to avoid this season. Dipping into Savings This […]
The holiday season is in full swing and making sure you stay on budget is a present in itself. We give you the tips on the top money wasters this holiday season to help avoid overspending and make sure that you enjoy your holidays without being financially stressed. Shipping Fees: Online shopping has made shopping […]
Black Friday has been known to be a kick-off to the holiday shopping season. It has also grown into more than just a U.S. Thanksgiving holiday; Canadian retailers have joined in on bringing the “biggest deals” to shoppers as well. And what is Cyber Monday? Coinciding with Black Friday, Cyber Monday sticks to online exclusive […]
Looking at getting a credit card? There are many things besides the rewards that are offered when signing up that come along with having the card. Before you can use that new credit card, you need to apply for it first. Keep in mind that credit cards are a legally binding contract and reading the fine […]
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.
