Late last year, we published an infographic to help you identify “spending problems” that may have creeped (or full-on barged) their way into your financial life. They ranged from the small and insidious “urge to buy” to the completely debilitating fear of needing to “keep up with the Jones’”. Hopefully, if you identified your behaviours […]
If your payday loan isn’t repaid on time, it can affect you negatively both in the short term and in the long term. Before you sign any loan agreement, consider whether or not you will be in the right financial position to repay the loan and fees on your next pay period. Some questions you should […]
You’ve undoubtedly heard of the famous “7 stages of grief”, which helps those who’ve been through an ordeal or a loss identify where they are in recovery. Interestingly, these 7 stages can also be applied to debt management and the emotions and thoughts one might have while under it’s pressures. We’ve put together a handy […]
You’ve probably heard half a dozen horror stories regarding debt collection. Demanding calls at almost all hours of the day, being contacted at work, or learning that your references are being called constantly is a common occurrence in the collections world. While this might not make those of you who are in “collections world” feel much […]
Thinking about making the switch to a new bank? Though we could tell you the “frugally obvious bottom line ” (aka: look for no fee EVERYTHING), there is way more to shopping around for a new bank than one might think. This counts for double if you’re in a transitional stage in life (college, marriage, […]
Did you recently apply for some form of credit and was denied, though you’re almost 100% sure you shouldn’t have been? If you haven’t reviewed your credit report for a year or more, this kind of circumstance would be the ideal time to order yourself a free report and scan it over. If you’re confident […]
We’re all about trying to keep you safe. We’ve covered general identity theft security before, as well as general social media security, how to save for emergencies – the whole bit. So, seeing as we’re right in the middle of tax season, we want to give you some warnings about current Canadian tax scams that […]
In a hurry AND trying to keep your food costs down? We’ve put together a huge list of budget-friendly meal options that could work for you & your family! We’ve included vegetarian, vegan and paleo-friendly options for all of you who might have special diets. We’ve also tried to keep this list relatively healthy (not […]
Payday Loans Online | GoDay.ca Tax time is busy for everyone, so here is a quick getting started guide to get you on your way to saving for your future via RRSP’s & TFSA’s. This week, we’ll cover the former, so check back next week when we review TFSA’s in detail. What’s the difference between the […]
Short Term Online Loans | GoDay.ca If you’ve never been to Walt Disney World® in Orlando, Florida, whoa boy, you’re missing out big time. But, that’s coming from a die hard fan of “the Parks”, though even this die hard fan can admit that with sky-rocketing ticket prices in the last few years, the most […]
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.
