We understand that it’s only November, and the last thing you want to start thinking about is the stress of the holidays. But as we know, every year the holidays come up much quicker than you expect and can leave you in a financial pinch. As the Globe and Mail stated in an article from […]
Spending money is much easier than saving money. And a lot of the time we’re questioning where all of our money goes? Yes, there are the essentials like bills, kids, and other payments, but what about those everyday essentials? Have you done a budget audit to see where your money is going and how you […]
We’ve all been there. The months we over spend and end up not saving. But before this becomes a regular habit, get yourself back on track by tightening the savings belt. It is always easier said than done, but when it comes to your money, we are way better spenders than we are savers. It’s […]
It seems like a silly question right? But when it comes to saving money, can you afford to save more? There are many factors involved when it comes to your savings, but no matter how you are managing your money; your savings is something you should always be keeping an eye on. So when it […]
What would you say is your worst spending habit? Is it a specific item? Everyone has them and these habits can be a variety of things depending on your lifestyle and interests. But what bad spending habits can often allude to are bad savings habits. And as much as we would all like to spend […]
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? When it comes to creating a budget list, there are many things you need to keep in mind to make sure you’re not missing out on any opportunities to save. […]
When it comes to borrowing money that usually means you’re in a sticky financial situation. Whether it is borrowing funds just to keep you a float till your next paycheck or you’ve reached financial hardship, no matter your reason for needing to borrow money, managing those funds are key. There are many routes you can […]
We all have them, those financial habits that we wish we could break, especially when it comes to tackling debt. But when it comes to debt management, it’s changing your thinking when it comes to spending. That’s why we created a list of the most popular money habits we hear about that are holding people […]
Do you wish you were able to save more money? Us too! If the option to save more is available, everyone would say yes. But it’s a lot easier said than done when it comes to saving. But when it comes to saving money, everyone can always be improving on their money managing skills, that’s […]
Looking for a new book to read? There are plenty of personal finance books to choose from, whether you’re looking to save, invest, or learn new money tips. Depending on what kind of financial advice you are looking for, there is definitely a book out there for you; which is why we have created a […]
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.
