Now that we’re in the middle of wedding season, most people focus on the cost and price tag of the actual wedding. We’ve never been to a wedding that has mentioned finances in the ceremony or vows, but money and finances is one of those things that should be discussed before you tie the knot. […]
How do you keep track of your funds? Do you have a budget currently in place? If so, what helps keep your budget on track? If not, that’s okay too but could be the reason you’re feeling stressed or all over the place when it comes to your finances. So how do you start budgeting? […]
There’s nothing worse than planning for a vacation or travelling only to find out that you’ve fallen victim to a travel scam. These scams or fraudulent attempts can happen while you’re travelling and some you won’t realize until you get home and start to get yourself financially organized. Regardless of how or when they happen, […]
There’s nothing more invigorating than when seasons start to change, especially when you live in a country that gets cold and dreadful winters. Spring brings with it melting snow, warmer temperatures, blooming flowers, and lifted spirits. Not to mention, the desire to clean up your home and life to get it ready for a great […]
It can be very tempting when you’re in a financial pinch to want to dip into your retirement fund or RRSPs. The RRSP was created in 1957, and back then contribution limits were 10 percent of the previous year’s income to a $2,500 maximum. If an individual did not contribute in any given year, that […]
Did you know that March is Fraud Prevention Month across Canada? The Government of Canada wants to bring awareness to the impact of fraud costs and the different types of scams that are currently affecting Canadians. According to the Chartered Professional Accountants (CPA), more than 71 percent of people surveyed said that they are concerned […]
Do you know what your credit score is? When was the last time you checked your credit score? It changes frequently and you never know when you will need it, but there are plenty of times a credit report may be required including as to be used as a reference or as formal documentation. But why do you need […]
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? […]
When it comes to finances, everyone is different. And that includes things like how you save and spend your money. One of the ongoing conversations and questions we hear about is what is more fiscally responsible, trying to save more or paying off debt? Well, the answer is different for everyone depending on their financial […]
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 […]
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.
