When it comes to special occasions, do you budget for them? Days like Valentine’s Day, birthdays, Mother’s & Father’s day, these are all special occasions that come every year, but for most, it’s a last minute way to break the budget. So how can you avoid splurging when it comes to holidays like Valentine’s Day? […]
That’s right, 2018 is just around the corner and what does that mean for you? People focus on many different things in the New Year, it’s a fresh start. So do you have any goals of your own or things you want to accomplish in 2018? For us, GoDay is will be four years old […]
It’s no surprise that December is the most expensive month of the year, but do you know how much you’re really spending this time of year? The amount people are spending this holiday season is up again from last year, averaging about $482 on gifts just this season alone. And that’s just gifts! According to […]
Naturally, most people are much better spenders than we are savers. Especially when you’re putting purchases on credit cards compared to paying in cash and not physically seeing the impact of your spending. These guilty pleasure purchases have become a catchphrase that when you hear of someone “treating themselves”, the conversation usually follows up with […]
When it comes to shopping, you have more options than ever with the internet and our mobile devices constantly connected and only being a few clicks away. This means changes in the retail market have advanced and created new ways to shop. And if a store isn’t online, they’re behind and missing out big time. […]
There are many different kinds of shoppers out there. Those who only shop online, those who only shop when they absolutely need something or there’s a special occasion, or those who shop as a hobby because they genuinely enjoy it. Regardless of how you spend your money, there are always items that we can be […]
When it comes to your finances are you staying on top of your spending or do you trust that the numbers you see in your account are correct? Money moves quickly, we all know that which is why you cannot be financially lazy and taking advantage of money tips because that is when things start […]
Do you suffer from “FOMO” or the “Fear Of Missing Out”? This is something very common, because who wants to be the person missing out on something fun? What you don’t realize is that these events and decisions can often lead to or have financial implications. Especially in the age of social media when you’re […]
When it comes to finding new ways to save money, you have to mix it up every once in a while if you find something’s not working for you. One of the ways you can help curb your spending is by trying the “cash only challenge”. You’re probably wondering how this could help you save […]
Let’s face it, we all dread that time of the month, when your credit card bill comes in and the shock of how much you’ve overspent this month. You have blown your budget and are now dipping into savings to pay off the balance, or you’re not paying the entire balance off and are now […]
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.
