{"id":6148,"date":"2019-02-28T16:29:54","date_gmt":"2019-02-28T21:29:54","guid":{"rendered":"https:\/\/goday.ca\/blog\/?p=6148"},"modified":"2021-12-31T15:45:19","modified_gmt":"2021-12-31T20:45:19","slug":"what-to-do-before-applying-for-a-payday-loan","status":"publish","type":"post","link":"https:\/\/goday.ca\/blog\/what-to-do-before-applying-for-a-payday-loan\/","title":{"rendered":"What To Do Before Applying For a Payday Loan"},"content":{"rendered":"\n<ul class=\"wp-block-gallery columns-1 is-cropped wp-block-gallery-2 is-layout-flex\"><li class=\"blocks-gallery-item\"><figure><img decoding=\"async\" loading=\"lazy\" width=\"799\" height=\"491\" src=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/02\/GODAY56-1.png\" alt=\"\" data-id=\"6150\" data-link=\"https:\/\/goday.ca\/blog\/?attachment_id=6150\" class=\"wp-image-6150\" srcset=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/02\/GODAY56-1.png 799w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/02\/GODAY56-1-300x184.png 300w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/02\/GODAY56-1-768x472.png 768w\" sizes=\"(max-width: 799px) 100vw, 799px\" \/><\/figure><\/li><\/ul>\n\n\n\n<p>So you\u2019re looking at getting a payday or short term loan. Where do you start? You\u2019ve come to the right place, because here at GoDay, <a href=\"https:\/\/goday.ca\/\">we\u2019re here to help<\/a>. In a recent\u00a0<a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/programs\/research\/payday-loans-market-trends.html\" class=\"broken_link\">report<\/a> by the Financial Consumer Agency, they found that nearly two million Canadians use payday loans each year. And that\u2019s why people are turning to us. Applying only takes a few minutes and is followed by an instant lending decision thanks to our highly automated system, here at GoDay we do all we can to ensure you receive your funds as soon as possible. What else do you need to know before applying for a payday loan? We give you the scoop on everything you need to know. <\/p>\n\n\n\n<p><strong>Do your research<\/strong><\/p>\n\n\n\n<p>Operating in eleven provinces and territories across Canada\n(new to&nbsp;<a href=\"https:\/\/goday.ca\/blog\/goday-is-now-lending-in-nova-scotia\/\">Nova Scotia<\/a>),\nwhen it comes to the payday loan market in Canada, there are many companies and\noptions you have available. However, you need to be careful with some online\npayday lenders as many are not licensed and do not follow provincial rules\ndesigned to protect borrowers like us here at GoDay. But for a speedy, smart,\nand secure loan, look no further than with&nbsp;<a href=\"https:\/\/goday.ca\/\">us!<\/a>\nWhether you\u2019re looking to get yourself out of a financial bind or help keep you\nafloat until your next paycheck, GoDay offers payday loans in Canada. Our&nbsp;<a href=\"https:\/\/goday.ca\/education\">payday loans<\/a>&nbsp;are not intended\nto provide a long-term financial solution \u2013 they are intended to solve urgent\nand temporary cash flow needs. That\u2019s why we like to let our customers know\nabout borrowing money <a href=\"https:\/\/goday.ca\/blog\/payday-loans-the-goday-way\/\">the&nbsp;GoDay way<\/a>&nbsp;and\nhave made it easy for you by giving you the reasons as to&nbsp;<a href=\"https:\/\/goday.ca\/why-us\">why you should be choosing GoDay<\/a>&nbsp;the\nnext time you\u2019re in a financial bind. <\/p>\n\n\n\n<p><strong>Why do people turn to payday loan lenders?<\/strong><\/p>\n\n\n\n<p>Let\u2019s face it, many people deal with various cash flow issues and not everyone has an\u00a0<a href=\"https:\/\/goday.ca\/blog\/whats-in-your-emergency-fund\/\">emergency fund<\/a> available to help them when the unexpected happens. Make sure to check the <a href=\"https:\/\/goday.ca\/location-services\/toronto \">borrowing options in your city<\/a> as it\u2019s not always easy to go to a family member and banks aren\u2019t always willing to give people a loan and maybe you\u2019ve used up that line of credit. Whatever the case, there are many <a href=\"https:\/\/goday.ca\/blog\/ten-reasons-why-you-should-be-using-goday\/\">reasons why people turn to payday loans<\/a>. But one of the main reasons is for the immediacy of payday loans. At GoDay,\u00a0<a href=\"https:\/\/goday.ca\/why-us\">speedy, smart, secure, that is the GoDay way<\/a>. GoDay provides Canadians with online payday loans. Our payday loans are not intended to provide a long-term financial solution. Rather, they are intended to solve urgent but temporary cash-flow needs. Because our payday loan applications are accepted and processed instantly by our automated system 24 hours a day, seven days a week, this makes it easy for anyone who is stuck in a financial bind. Not to mention we make it easier now than ever with our online application tools are available anytime and anywhere, so you can get cash on the go.<\/p>\n\n\n\n<p><strong>How To Know If a\nPayday Loan Is Right for You?<\/strong><\/p>\n\n\n\n<p>Life happens! We\u2019ve talked about how tough it can be to get\nthrown off the track financially. If you are faced with an expected expense and\nneed to borrow money you should consider all of your options. So what are your\noptions? We\u2019ve outlined several, so that you can determine what best fits your\nneed and financial situation.<\/p>\n\n\n\n<p><strong>Here are a few examples of when a payday loan may\nbe&nbsp;a good solution:<\/strong><\/p>\n\n\n\n<ul><li>Avoid bounced cheques and overdraft or late fees<\/li><li>Pay for daily essentials (such as groceries, utilities, mortgage\/rent, etc.)<\/li><li>Unexpected auto and home repairs<\/li><li>Other emergency expenses<\/li><\/ul>\n\n\n\n<p><strong>Here are a few examples of when a payday loan may not\nbe&nbsp;a good solution:<\/strong><\/p>\n\n\n\n<ul><li>When  you need a large amount of or a lump sum of money<\/li><li>When  you need an extended amount of time to pay back the money you borrow<\/li><li>When you need to borrow money time and time again<\/li><li>Non-essential  purchases (such as buying the latest and greatest TV, taking a vacation,  or buying holiday gifts)<\/li><\/ul>\n\n\n\n<p><strong>What you should know the first time you get a payday loan<\/strong><\/p>\n\n\n\n<p>If it\u2019s your&nbsp;<a href=\"https:\/\/goday.ca\/application\">first time getting a loan<\/a>\nwith us, we have a first timer\u2019s policy in place. To start, you can request a\nloan of up to $500 for up to 30 days. As our relationship grows and we\nestablish mutual trust with one another, we\u2019re happy to gradually increase loan\namounts up to a maximum of $1500 for any future finances you may need. Besides\nthe first timers policy, there are a few other things you should look for when\ngetting a payday loan. First and foremost should be privacy and security. You\nshould feel confident in handing over your personal information because\ndisclosing private information online isn\u2019t always safe. And as an online company\nwho prides themselves&nbsp;on secure loans, we\u2019re the first to understand that\nfiling personal information online can make you feel uneasy. We\u2019re a&nbsp;<a href=\"https:\/\/goday.ca\/how-it-works\">payday loan company<\/a>, which means\nwe take all your financial and private information seriously and it is our job\nto keep your&nbsp;<a href=\"https:\/\/goday.ca\/blog\/practicing-digital-safety\/\">privacy\nand security top of mind<\/a>&nbsp;while protecting the information you give us.\nThis is all a part of our responsible lending strategies here a GoDay as we are\ncompliant with provincial loan regulations, which means you\u2019re protected\nlegally with every cash advance we dispense.. <\/p>\n\n\n\n<p><strong>What to expect when you take out a payday loan<\/strong><\/p>\n\n\n\n<p>Here at GoDay, we like to make it as easy as possible for\nyou to get your loan \u2013 that\u2019s why we provide ourselves on our professional\nservice and&nbsp;<a href=\"https:\/\/goday.ca\/how-it-works\">resources<\/a>.\nUnlike many online lenders, we have real people and physical locations ready to\nhelp you along the way. At GoDay we are very proud of the professional service\nwe offer as our customer service representatives are professional, experienced,\nand available to answer any questions you may when it comes to your loan. We do\nneed a few things from you before we can give you a loan. Requirements to get a\npayday loan differ by lender, but generally you will need the following to\napply:<\/p>\n\n\n\n<p>Be 18 years old or older<\/p>\n\n\n\n<p>Valid photo ID<\/p>\n\n\n\n<p>Open and active bank account<\/p>\n\n\n\n<p>Working phone number<\/p>\n\n\n\n<p>Your permanent address<\/p>\n\n\n\n<p>To get your loan from us we will automatically deposit the money in your bank account. When getting a payday loan with us (or any payday or short-term loan lender), we will ask you to sign an agreement that shows your loan costs, including interest, fees and the due date on how and when you\u2019ll pay back your payday loan with us.<\/p>\n\n\n\n<p><strong>Repaying Your Loan<\/strong><\/p>\n\n\n\n<p>We\u2019re very flexible when it comes to repaying your loan. We know that everyone\u2019s financial situation is different and that cash flow is not the same for everyone. That\u2019s why our team works with you personally to customize your loan and repayment options that go with it. Some people don\u2019t need the allotted time we give them to pay their loan back and pay it off quicker than the timeline we\u2019ve set out for them. We also understand that you may need a little more time- in this <g class=\"gr_ gr_22 gr-alert gr_gramm gr_inline_cards gr_run_anim Punctuation only-ins replaceWithoutSep\" id=\"22\" data-gr-id=\"22\">case<\/g> we ask that you <a href=\"https:\/\/goday.ca\/contact \">get in touch<\/a> with us instead of defaulting on (or just not paying) your loan. This is also specific to GoDay only as other companies don\u2019t always have the same flexibility and understanding that we do.<\/p>\n\n\n\n<p><strong>Knowing Your Credit\nScore<\/strong><\/p>\n\n\n\n<p>Did you know that you should also know your credit score\nwhen applying for payday loans? Why? This is because when it comes to payday\nloans, it is the same process as any other loan, we check to see your current\ncredit score before making a decision on your loan application and depending on\nyour score, it will help us make our decision the kind of loan we can give you.\nDepending on the kind of loan you apply for, each lender including&nbsp;<a href=\"https:\/\/goday.ca\/\">GoDay<\/a>&nbsp;has a debt to income ratio we apply\nto decide whether or not you will be able to service (or payback) the loan. <\/p>\n\n\n\n<p>A payday loan or any loan application can also affect your\ncredit score, even if it is just by a few points. Why? This is because&nbsp;<a href=\"http:\/\/credit.about.com\/od\/avoidingdebt\/a\/loan-affects-credit.htm\" class=\"broken_link\">10% of\nyour credit score is calculated through the number of credit-based applications\nyou make<\/a>. &nbsp;Meaning that every time you apply for a form of credit, it\nshows up on your credit report and numerous applications can show that you are\npossibly taking on more debt than you can handle. There are also many other\nways a payday loan can affect your credit score including the length of time\nyou\u2019ve had your loan, your loan payment history, the interest rate on your loans,\nhow many loans you have outstanding, and many more factors. This is something\nto keep in mind when applying for a payday or short term loan, as it can have\nfuture financial implications down the road.<\/p>\n\n\n\n<p><strong>Don\u2019t Pay More Than\nYou Have To<\/strong><\/p>\n\n\n\n<p>Here at GoDay we\ndon\u2019t believe in hidden fees. And that happens to be one of the big\ndifferences between GoDay and other payday loans companies. At GoDay, we like\nto make things simple and transparent for our customers because no one likes\nsurprises when it comes to their money. That\u2019s why at GoDay we have a \u201cwhat you\nsee is what you get\u201d policy in place, so when you\u2019re looking at a payday loan\nwith us, the numbers you see won\u2019t change. This means that at GoDay,&nbsp;<a href=\"https:\/\/goday.ca\/how-it-works\">we don\u2019t have hidden fees or extra\ncharges on top, we disclose all fees up-front<\/a>, including those you\u2019ll be\nrequired to pay if you default on your loan. But, this isn\u2019t always the case.\nThere are many payday or short-term loan lenders out there that will surprise\nyou with additional fees, so borrow responsibly and know where your money is\ngoing before applying for a payday loan. <\/p>\n\n\n\n<p><strong>Why You Should Choose\nGoDay For Your Loans<\/strong><\/p>\n\n\n\n<p>There are many reasons why you should choose GoDay but there\nare a few key things that separate us from the rest. When it comes to payday\nloans or short-term loan companies, we like to keep it simple; fast cash for\nyou with the security and professionalism along with it. So how does&nbsp;<a href=\"https:\/\/goday.ca\/how-it-works\">GoDay work<\/a>? GoDay partners with\nthe most reputable financial institutions and uses the fastest and most secure\ntools in the industry to ensure you get the speediest service possible. We are\naccepting and approving online payday loan applications 24\/7, which mean that\nyou can apply from your computer, smartphone or tablet anytime and our highly\nautomated system will do all it can to ensure you receive your funds as soon as\npossible. As you can tell, there are many options when it comes to receiving\nfinancial assistance and it\u2019s no surprise that the market is changing based on consumer\u2019s\nneeds. Our short-term cash-flow solution is intended to help get you back on\ntrack \u2013 not further off it which is not always the case as there are many other\npayday or short-term loan lenders that will surprise you with additional fees. But\nhere at GoDay, if we can help you get through a few financial hurdles,\nterrific. If we can help you avoid them altogether, even better. <\/p>\n\n\n\n<p>To learn more about our payday loans or to <a href=\"https:\/\/goday.ca\/application \">get started with your loan application today<\/a>, make sure to visit our <a href=\"https:\/\/goday.ca\/how-it-works\">website<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-gallery columns-1 is-cropped wp-block-gallery-4 is-layout-flex\"><li class=\"blocks-gallery-item\"><figure><img decoding=\"async\" loading=\"lazy\" width=\"799\" height=\"491\" src=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/02\/GODAY56.png\" alt=\"\" data-id=\"6149\" data-link=\"https:\/\/goday.ca\/blog\/?attachment_id=6149\" class=\"wp-image-6149\" srcset=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/02\/GODAY56.png 799w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/02\/GODAY56-300x184.png 300w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/02\/GODAY56-768x472.png 768w\" sizes=\"(max-width: 799px) 100vw, 799px\" \/><\/figure><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>So you\u2019re looking at getting a payday or short term loan. Where do you start? You\u2019ve come to the right place, because here at GoDay, we\u2019re here to help. In a recent\u00a0report by the Financial Consumer Agency, they found that nearly two million Canadians use payday loans each year. And that\u2019s why people are turning [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6149,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[9,10,11],"tags":[923,1081,1414],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v20.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>What To Do Before Applying For a Payday Loan<\/title>\r\n<meta name=\"description\" content=\"So you\u2019re looking at getting a payday or short term loan. Where do you start? 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