Each year, as leaves shift colour and schools refill with backpacks, many Canadian households brace for another predictable cycle: back to school costs, fall activities, Halloween, holiday prep. These seasonal markers are joyful in many respects, but they also trigger a very real and often stressful financial rhythm. Let’s unpack how seasonal spending Canada patterns […]
Rejection can sting, especially when it comes from your bank. You’ve filled out the forms, provided the paperwork, and waited for that call or email… only to hear “no.” For many Canadians, that moment brings a wave of uncertainty. How will you cover that unexpected bill? How will you pay for the car repair you […]
September has a certain clarity to it. The humid haze of summer fades, and in its place comes crisp mornings, turning leaves, and, if we’re being honest, a subtle undercurrent of anxiety. The holidays are only a few months away. That means gift lists, travel plans, and social events are on the horizon. If you […]
The back-to-school season is supposed to feel hopeful. It’s the fresh start, the new shoes, the sharp pencils, the excitement of what’s next. But for many Canadian parents, especially those already walking the financial tightrope, it’s also the most stressful time of year. Not because of the unknowns, but because of the very known: the […]
When life throws unexpected expenses your way, be it a sudden car repair, an urgent medical bill, or an essential home fix, quick access to funds can feel like a lifeline. That’s why fast online loans have become a go-to solution for many Canadians looking for quick cash in emergencies. But while the convenience is […]
When people talk about building credit, the conversation almost always turns to credit cards. But what if you don’t have one, or simply don’t want one? Whether you’re just starting out or rebuilding after financial setbacks, there are smart, safe, and strategic ways to grow your credit score without ever swiping plastic. At GoDay, we […]
We all hit those moments in life when our savings can’t quite stretch far enough. Maybe it’s a car that won’t start the morning of a big job interview, a dental bill that arrived earlier than expected, or just life reminding you it doesn’t follow your budget. That’s when many ask: “Should I borrow money […]
Most of us don’t set out to miss payments. But life doesn’t always stick to the budget. An unexpected car repair, a late paycheque, or even a spike in grocery prices can throw everything off. Before you know it, rent is overdue, your credit card minimum is still unpaid, and you’re juggling phone calls from […]
When life throws a financial emergency your way, you don’t get a warning, you just get a bill. In that moment, the real question isn’t if you’ll need money. It’s where you’ll get it from, fast, safely, and smartly. At GoDay, we know how overwhelming unexpected expenses can feel. That’s why we’re breaking down the […]
There’s a lot of advice out there about credit, and not all of it deserves your trust. Unfortunately, misinformation often spreads faster than facts. At GoDay, we see it all the time: smart, capable people making costly credit decisions because they’ve been misled by myths that sound convincing but couldn’t be further from the truth. […]
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.
