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, […]
It is no surprise how much our mobile devices and technology have taken over how we basically do everything. Look at GoDay for example- we are an online payday loan company who also has a specific mobile site for our customers! And if you’re a business that is not online, you are missing out on […]
Online shopping is a huge industry and has completely changed the way consumers shop. In 2016 alone, Canadians spent $19.2 billion dollars on internet purchases and it’s expected that number will hit $39 billion by 2019. With online shopping making such an impact on the way people shop, there’s no question that, like always, people […]
When it comes to shopping at Ikea, it can be an overwhelming experience. Just like there are secrets to shopping at Costco, there are definitely secrets to shopping at Ikea. But when it comes to shopping at Ikea, it is very easy to not only get lost but also fill your cart with things you […]
Bulk retailers like Costco are known for offering a big selection of bulk-size groceries and household goods at cheaper or discounted prices. And people are definitely drawn to buying in bulk as Costco boasts 84 million card-carrying members worldwide. So what is it about Costco that shoppers love so much? We break down the secrets to […]
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? […]
Between the holidays quickly approaching and big sale days like Black Friday and Cyber Monday, the biggest shopping season of the year is here. According to a survey from shopping retail website, RetailMeNot.ca, Global News reported that shoppers plan on spending an average of $1,400 per person – $653 of which will only be for […]
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 […]
Some would argue that it is always shopping season, but according to Business Insider, in 2016, there were some key dates that were determined to be the busiest shopping days of the year, only in the months of November and December. Are you surprised by this? Everyone knows the holidays are a big spending time […]
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. […]
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.
