Move over cash, you are no longer king. And as technology continues to advance, we have moved from signatures to swiping, inserting, tapping and even facial or fingerprint recognition on a mobile device to make payments and accessing funds. Take a look at GoDay and how our payday loans work, we are completely online and […]
Cha-ching. Is it just us, or is all you hear dollar signs every time you pay with your credit card? And let’s face it, we all dread that time of the month- when your bills start rolling in. And once you take a look at your bill and see where all the charges have added up then […]
You’ve heard of the saying, “money can’t buy happiness”. But do you believe it? We work all day to earn it and are constantly spending it, but is there a certain amount that would make you happy? It’s one of the most common issues couples fight about, and a reason why people switch jobs and […]
The holiday season is known to be one of the most expensive times of the year. Do you have your budget ready to know how much you’re spending? The amount people are spending this holiday season is up again from last year, averaging about $643 on gifts just this season. That’s why we give you the tips to […]
When was the last time you checked your credit score? Do you know what your current credit score is and what is on your credit report? Your credit score changes frequently and you never know when you will need a credit report. Especially in cases when they are required as a reference or as formal documentation. Even to […]
Can you go without an electronic device? Technology has taken over how we basically do everything and that includes us. Look at GoDay for example- we are an online payday loan/short-term lending company who does a majority of our business online. Not to mention you can apply from your computer, smartphone or tablet, and our highly automated […]
It’s true; if you’re trying to save money then you shouldn’t be dining out. But we’re all busy people and there are nights where take out is the best option for the table. We are also believers in budget management and balance. So when it comes to dining out, the main this to remember is […]
Do you know what your savings account looks like? There are those times – the months we overspend and end up getting payday loans to get us through until the next paycheck and not saving. According to CIBC’s 2017 survey results, 85 percent of Canadian’s agree that they should be saving more money than what […]
And how will you be paying? How we are spending our money has a huge impact on our budget. Because when it comes to your finances and how you spend and save your money, everyone is different. The same way GoDay is an online payday loan lender compared to a physical store you walk into, […]
Debt is one of those words no one likes to hear. What is the first thing that comes to mind when you hear the word debt? Because there are also different kinds of debt, we are only experts when it comes to payday loans in Canada. You can have loans with the bank, a mortgage, […]
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.
