When it comes to your finances and how you spend and save your money, everyone is different. Some people are cash only kind of people, whereas other use their credit cards for all their purchases. It comes down to how you manage your money and if cash only helps you keep track better, or if […]
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 the holidays, spending is at an all-time high. So how do you handle the financial pressures around the holidays? And what most people forget is the extra spending that comes with the holiday season, which is more than just gifts. That’s why we created a checklist to help you limit your […]
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 […]
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 […]
Whether you’re headed out to an afternoon ball game, or ready to watch your favourite team lace up, heading to a live sporting event is always a great experience. Unfortunately, this is also considered a luxury expense which is why we’ve broken down the costs that are included when attending a sporting event so your budget […]
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 […]
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.
