{"id":6278,"date":"2019-08-08T15:32:41","date_gmt":"2019-08-08T19:32:41","guid":{"rendered":"https:\/\/goday.ca\/blog\/?p=6278"},"modified":"2021-09-30T10:43:19","modified_gmt":"2021-09-30T14:43:19","slug":"is-a-payday-loan-right-for-you","status":"publish","type":"post","link":"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/","title":{"rendered":"Is A Payday Loan Right For You?"},"content":{"rendered":"\n<p>Are you feeling financially stressed and don\u2019t know where to\nstart to get your finances back in order? Sudden expenses come up unexpectedly\nall the time and you may not have the cash readily available to help cover\nthose expenses. There are options out there for you. It may not be easy for you\nto go to a family member to borrow some cash and banks aren\u2019t always willing to\ngive people a loan. Whatever the case may be, there are many&nbsp;<a href=\"https:\/\/goday.ca\/blog\/ten-reasons-why-you-should-be-using-goday\/\">reasons\nwhy people turn to payday loans<\/a>. And one of the main reasons people turn to\nGoDay for their online payday loan is how quick and easy we are. <\/p>\n\n\n\n<p>A payday loan isn\u2019t for everyone, and here at GoDay we will\ntell you that. GoDay likes to see customers using us responsibly to get back on\ntrack financially, not further behind. And there are times we will have to say\nno to people&nbsp;because our loans may not be the right fit for you at the time.\nSo how do you know if a payday loan is right for you? We give you the inside\nscoop on payday loans and share how to become a GoDay customer today.<\/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 late payments, bounced cheques or overdraft fees<\/li><li>Paying for daily essentials (groceries, utilities, mortgage\/rent, bills, etc.)<\/li><li>Unexpected expenses (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 money<\/li><li>When you\u2019re on a timeline to pay back the money you have borrowed<\/li><li>When you are borrowing money time and time again <\/li><li>Non-essential purchases (such as buying the latest gadget, taking a vacation)<\/li><\/ul>\n\n\n\n<p>Now that you have an idea of whether or not payday loan is\nfor you, where do you start? You\u2019ve come to the right place, because here at\nGoDay,&nbsp;<a href=\"https:\/\/goday.ca\/\">we\u2019re here to help<\/a>. And that\u2019s why\npeople are turning to us. In a recent&nbsp;<a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/programs\/research\/payday-loans-market-trends.html\" class=\"broken_link\">report<\/a>&nbsp;by\nthe Financial Consumer Agency, they found that nearly two million Canadians use\npayday loans each year. At GoDay,&nbsp;<a href=\"https:\/\/goday.ca\/why-us\">speedy,\nsmart, secure, is the GoDay way<\/a>. And we have been providing Canadians with\nonline payday loans since 2012. Our payday loans are not intended to provide a\nlong-term financial solution. Rather, they are intended to solve urgent but\ntemporary cash-flow needs. <\/p>\n\n\n\n<p><strong>Know What To Expect<\/strong><\/p>\n\n\n\n<p>Here at GoDay, we like to make it as easy as possible for you to get your loan \u2013 that\u2019s why we pride ourselves on our professional service and\u00a0<a href=\"https:\/\/goday.ca\/how-it-works\">resources<\/a>. Unlike many online lenders, we have real people and physical locations (check out our <a href=\"https:\/\/goday.ca\/payday-loans-vancouver\">payday loan options in Vancouver<\/a> for example) that are ready to help you along the way. At GoDay, we are very proud of the professional service we offer as our customer service representatives are available to answer any questions you may when it comes to your loan. We do need a few things from you before we can give you a loan. Requirements to get a payday loan differ by lender, but generally, you will need the following to apply:<\/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>When getting a loan with GoDay, we deposit the funds\nautomatically into your bank account. When getting a payday loan with us (or\nany payday or short-term loan lender), we will ask you to sign an agreement\nthat shows your loan costs, including interest, fees and the due date on how\nand when you\u2019ll pay back your payday loan with us. We like to let our customers\nknow this process before getting a payday loan, so you don\u2019t end up getting\ncaught in the \u201c<a href=\"https:\/\/goday.ca\/blog\/the-revolving-debt-cycle-and-how-to-break-it\/\">payday\nloan cycle<\/a>\u201d. This can look different depending on the person and their\nfinancial situation or if you\u2019re getting a payday loan for the first time, but it\nis easy to get comfortable relying on payday or short term loans. But here at\nGoDay, we like to provide you with options when it comes to your&nbsp;<a href=\"https:\/\/goday.ca\/why-us\">payday loan<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/goday.ca\/education\">budgeting tips for Canadians<\/a>&nbsp;to help\nget you&nbsp;<a href=\"https:\/\/goday.ca\/education\">to get back (and stay) on\ntrack<\/a>. We like to let our customers know about borrowing money&nbsp;<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. <a href=\"https:\/\/goday.ca\/how-it-works\">Get\nmore details<\/a> about our process and how we make it easy for you to get a\nloan quickly and efficiently. <\/p>\n\n\n\n<p><strong>Why A Payday Loan?<\/strong><\/p>\n\n\n\n<p>Let\u2019s face it, many people deal with various cash flow\nissues and not everyone has an&nbsp;<a href=\"https:\/\/goday.ca\/blog\/whats-in-your-emergency-fund\/\">emergency fund<\/a>&nbsp;available\nto help them when the unexpected happens. And it\u2019s not always easy to go to a\nfamily member and banks aren\u2019t always willing to give people a loan and maybe\nyou\u2019ve used up that line of credit. Whatever the case, there are many&nbsp;<a href=\"https:\/\/goday.ca\/blog\/the-payday-loan-market-in-canada\/\">reasons why\npeople turn to payday loans<\/a>. But one of the main reasons people come to us is\nfor the immediacy of our payday loans. We work fast and keep it simple,\nensuring that you have the money you need as quickly and as easily as possible.\nAs much as we like to see you, our payday loans are not intended to provide a\nlong-term financial solution. Rather, they are intended to solve urgent but\ntemporary cash-flow needs. Because our payday loan applications are accepted\nand processed instantly by our automated system 24 hours a day, seven days a\nweek, this makes it easy for anyone who is stuck and needs cash quickly. Not to\nmention we make it easier now than ever with our online application tools are\navailable anytime and anywhere, so you can get cash on the go.<\/p>\n\n\n\n<p><strong>Do Your Research<\/strong><\/p>\n\n\n\n<p>When it comes to deciding on whether or not a payday loan is\nright for you, there are many things you need to look into, including who\nyou\u2019re getting a payday loan with. Since 2012, GoDay has been operating in\neleven provinces and territories across Canada (we\u2019re now in&nbsp;<a href=\"https:\/\/goday.ca\/blog\/goday-is-now-lending-in-nova-scotia\/\">Nova Scotia<\/a>)\nand when it comes to the payday loan market in Canada, we know it well. Because\nthere are different companies and options that are available, you need to make\nsure you\u2019re choosing the right one for you. So what should you be looking for\nin a payday loan lender? You want to make sure they are fully licensed and follow\nprovincial rules designed to protect borrowers like yourself. When you\u2019re ready\nto apply for a payday loan, the application process should be simple,\nstraight-forward and well explained. All policies, including fees, what happens\nif you default, interest rates and so forth should be easily identifiable. And\nif you have any questions, they should be easy to get in touch with and able to\nassist you with anything you need. Want to learn more? Visit the <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/loans\/payday-loans.html\" class=\"broken_link\">Financial\nConsumer Agency of Canada\u2019s<\/a> website for further details.&nbsp; <\/p>\n\n\n\n<p><strong>Things to Know For Your First Loan<\/strong><\/p>\n\n\n\n<p>Is this your first time getting a payday loan? If so, each payday loan provider has different rules in place. If it\u2019s your\u00a0first time getting a loan\u00a0with us, we have a first timer\u2019s policy in place. To start, you can request a loan of up to $500 for up to 30 days. As our relationship grows and we establish mutual trust with one another, we\u2019re happy to gradually increase loan amounts up to a maximum of $1500 for any future finances you may need. Besides the first timer\u2019s policy, there are a few other things you should look for when getting a payday loan. First and foremost should be privacy and security. You should feel confident in handing over your personal information because disclosing private information online isn\u2019t always safe. And as an online company who prides themselves\u00a0on secure loans, we\u2019re the first to understand that filing personal information online can make you feel uneasy. We\u2019re a\u00a0payday loan company, which means we take all your financial and private information seriously and it is our job to keep your\u00a0privacy and security top of mind\u00a0while protecting the information you give us. This is all a part of our responsible lending strategies here a GoDay as we are compliant with your provincial loan regulations, which means you\u2019re protected legally with every cash advance we give you. What are your provincial loan regulations? \u00a0Each province and territory has different rules and restrictions around payday lending. But as we warned above, you need to be careful with online payday lenders, many aren&#8217;t licensed and don&#8217;t follow the provincial rules that are designed to protect borrowers. Find out more about your provinces payday lending fees and penalties with the <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/loans\/payday-loans.html\" class=\"broken_link\">Financial Consumer Agency of Canada<\/a>.<\/p>\n\n\n\n<p><strong>Repaying Payday Loans<\/strong><\/p>\n\n\n\n<p>We\u2019re very flexible when it comes to repaying your loan. But not all payday loan lenders are. We know that everyone\u2019s financial situation is different and that cash flow is not the same for everyone which is why our customer service team works with you personally to customize your loan and repayment options that go with it. If you take out a GoDay payday loan, we let you know when your payment is due. On the agreed date, GoDay will automatically withdraw payment directly from your bank account. Please note that some provinces have extended payment plans available based on your borrowing history with GoDay. If this option is available to you, we will let you know during the loan approval process. We understand that you may need a little more time- in this\u00a0case,\u00a0we ask that you\u00a0<a href=\"https:\/\/goday.ca\/contact\">get in touch<\/a>\u00a0with us instead of defaulting on (or just not paying) your loan. This is specific to GoDay only as other companies don\u2019t always have the same flexibility and understanding that we do. If you fail to repay your loan within the specified term, we will contact you to arrange payment. We always do our best to help you figure out a solution. But if you fail to cooperate with us, things like your <a href=\"https:\/\/goday.ca\/blog\/when-was-the-last-time-you-check-your-credit-score\/\">credit score<\/a> can be impacted, as well as your relationship with us and any future financial help you may need.<\/p>\n\n\n\n<p><strong>Choosing GoDay For Your Payday Loan<\/strong><\/p>\n\n\n\n<p>If you\u2019re thinking that a payday loan is right for you, there\nare many reasons why you should choose GoDay. And as we\u2019ve pointed out, 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. 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. One of\nthe first things everyone thinks about when it comes to payday loans are the\ninterest rates and fees associated with getting a loan. But that\u2019s the\ndifference between GoDay and other payday loans or short-term loan lenders \u2013 we\ndon\u2019t believe in hidden fees. This means that at GoDay,&nbsp;<a href=\"https:\/\/goday.ca\/how-it-works\">we don\u2019t have hidden fees or extra charges\non top, we disclose all fees up-front<\/a>. We call this our \u201cwhat you see is\nwhat you get\u201d policy, so when you\u2019re looking at a payday loan with us, the\nnumbers you see won\u2019t change. That\u2019s right, everything from the amount you need\nto the repayment options including how much time you will need to pay us back. We\nknow you have many options when it comes to receiving financial assistance and\nit\u2019s no surprise that the market is changing based on consumer\u2019s needs. So why\nwalk into a store when you can get an online payday loan with us? We make it\neasier now than ever with our online application tools are available anytime\nand anywhere, so you can get cash on the go or from the comfort of your home. Our\nshort-term cash-flow solution is intended to help get you back on track \u2013 not\nfurther from it which is not always the case with other payday or short-term\nloan lenders. But here at GoDay, if we can help you get through a few financial\nhurdles, terrific. If we can help you avoid them altogether, even better.<\/p>\n\n\n\n<p>Have further\nquestions? Learn more about how <a href=\"https:\/\/goday.ca\/how-it-works\">GoDay\nworks<\/a> or check out our <a href=\"https:\/\/goday.ca\/faq\">Frequently Asked Questions<\/a>\nsection on our website.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you feeling financially stressed and don\u2019t know where to start to get your finances back in order? Sudden expenses come up unexpectedly all the time and you may not have the cash readily available to help cover those expenses. There are options out there for you. It may not be easy for you to [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6279,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[9,10,11],"tags":[],"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>Is A Payday Loan Right For You?<\/title>\r\n<meta name=\"description\" content=\"Are you feeling financially stressed and don\u2019t know where to start to get your finances back in order? Sudden expenses come up unexpectedly all the time and you may not have the cash readily available to help cover those expenses. There are options out there for you. It may not be easy for you to go to a family member to borrow some cash and banks aren\u2019t always willing to give people a loan. Whatever the case may be, there are many reasons why people turn to payday loans.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Is A Payday Loan Right For You?\" \/>\r\n<meta property=\"og:description\" content=\"Are you feeling financially stressed and don\u2019t know where to start to get your finances back in order? Sudden expenses come up unexpectedly all the time and you may not have the cash readily available to help cover those expenses. There are options out there for you. It may not be easy for you to go to a family member to borrow some cash and banks aren\u2019t always willing to give people a loan. Whatever the case may be, there are many reasons why people turn to payday loans.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/\" \/>\r\n<meta property=\"og:site_name\" content=\"GoDay Cafe\" \/>\r\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GoDay.ca\" \/>\r\n<meta property=\"article:published_time\" content=\"2019-08-08T19:32:41+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2021-09-30T14:43:19+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2019\/08\/goday78.png\" \/>\r\n\t<meta property=\"og:image:width\" content=\"799\" \/>\r\n\t<meta property=\"og:image:height\" content=\"488\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\r\n<meta name=\"author\" content=\"GoDay.ca Customer Education Team\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@GODAYca\" \/>\r\n<meta name=\"twitter:site\" content=\"@GODAYca\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"GoDay.ca Customer Education Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/\"},\"author\":{\"name\":\"GoDay.ca Customer Education Team\",\"@id\":\"https:\/\/goday.ca\/blog\/#\/schema\/person\/5dd4477e7fa335c98b4ab9e4af1a2c3d\"},\"headline\":\"Is A Payday Loan Right For You?\",\"datePublished\":\"2019-08-08T19:32:41+00:00\",\"dateModified\":\"2021-09-30T14:43:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/\"},\"wordCount\":2146,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/goday.ca\/blog\/#organization\"},\"articleSection\":[\"Life\",\"Money\",\"Saving\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/\",\"url\":\"https:\/\/goday.ca\/blog\/is-a-payday-loan-right-for-you\/\",\"name\":\"Is A Payday Loan Right For You?\",\"isPartOf\":{\"@id\":\"https:\/\/goday.ca\/blog\/#website\"},\"datePublished\":\"2019-08-08T19:32:41+00:00\",\"dateModified\":\"2021-09-30T14:43:19+00:00\",\"description\":\"Are you feeling financially stressed and don\u2019t know where to start to get your finances back in order? 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