What would you say is your worst spending habit? Do you spend the bulk of your money on a specific item each month, like Starbucks? Or worse, you don’t have any idea where all your money goes? Everyone has bad spending habits. They can be caused by a variety of things, depending on your lifestyle […]
Sales are often our justification for buying. Those emails promoting an exclusive, limited time on enticing items can really reel you in. You might feel you’re missing out unless you shop. Of course, that’s what sales are designed to do. They convince us that we need to buy something, even when we don’t really need […]
Saving money on home expenses is extremely important. Otherwise, it can feel like you’re paying endless bills and your home will feel more like a burden than a valuable asset. Home expenses go far beyond just your mortgage payments. Whether it’s hydro and water bills, general day-to-day maintenance, or anything else that goes along with […]
Saving money on groceries has never been more important. The pandemic has driven food costs through the roof. Plus, it is harder than ever to buy what you need to survive and thrive. As a result, you can find yourself sinking a ton of money into this “necessity” without even realizing it. We may be […]
Building a strategy for savings is so important. You need to decide whether you want to save for that unexpected bump in the road, your dream vacation, a home, or educational needs. Without a strategy, it can seem impossible to meet your needs. However, building savings doesn’t happen overnight. However, putting it off certainly isn’t […]
Finances aren’t something most of us want to dwell on. It’s much easier to put off thinking about how we spend our money. We swipe our credit card, and don’t really look at our statements, or only look at them when we realize there’s a problem. However, we should be thinking about our finances long […]
It might not feel like it, but summer isn’t that far away. Considering everything going on with COVID, it’s more important than ever that we plan for summer fun. Chances are it won’t include crowded beaches, nightclubs, and teeming restaurants. Nonetheless, that doesn’t mean summer needs to be boring. We can probably attend fun events, […]
An emergency fund can help you handle life’s ups and downs, which you can never anticipate. Being prepared for unexpected events in your life can be challenging, but it is doable. The pandemic has shown us that you never know what could happen. An emergency fund can lighten the blow and provide you with the […]
Payday loan or short-term loan, this financial tool is one option when it comes to your finances. Payday loans from GoDay are the simple, smart and secure way to get the cash you need quickly and easily. In a recent report by the Financial Consumer Agency, nearly two million Canadians use payday loans each year. Whether you […]
We’re always looking for ways to help save you money and sometimes that means helping you start fresh or even find everyday ways to spend less. And we know that getting your finances in order can be tricky. It’s never as simple as we want it to be. However, there are common mistakes we 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.
