{"id":6561,"date":"2021-09-16T09:00:00","date_gmt":"2021-09-16T13:00:00","guid":{"rendered":"https:\/\/goday.ca\/blog\/?p=6561"},"modified":"2022-04-28T00:04:21","modified_gmt":"2022-04-28T04:04:21","slug":"canadian-payday-loan","status":"publish","type":"post","link":"https:\/\/goday.ca\/blog\/canadian-payday-loan\/","title":{"rendered":"How to Find an Outstanding Canadian Payday Loan"},"content":{"rendered":"\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" loading=\"lazy\" width=\"2560\" height=\"1707\" data-id=\"6579\"  src=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2021\/09\/pexels-andre-furtado-2916826-scaled-1.jpg\" alt=\"woman-draped-in-canada-flag\" class=\"wp-image-6579\"\/><\/figure>\n<\/figure>\n\n\n\n<p>A Canadian payday loan can offer the money you need to fulfill a modest financial need for the short-term. It may a good alternative if you are unable to borrow from friends or family or when you don\u2019t have access or don\u2019t want to use other credit products.<\/p>\n\n\n\n<p>While many lenders offer payday loans, you won\u2019t to borrow from some lenders. Here\u2019s what you should know about payday loans and what you should consider before deciding on a lender for a Canadian payday loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-makes-a-payday-loan-different\">What Makes a Payday Loan Different?<\/h2>\n\n\n\n<p>A payday loan differs from credit card, because you can\u2019t carry a balance. You are given a lump sum, but must repay all of it relatively quickly. Typically, repayment coincides with your regular two-week pay cycle. However, some provinces allow a slightly longer time for repayment.<\/p>\n\n\n\n<p>A payday loan isn\u2019t like an installment loan either, because these loans typically offer higher limits and equal monthly payments to repay your loan over time. Licensed payday lenders in Canada can only lend up to $1,500. However, if it is the first time you\u2019re borrowing from a lender, they may grant you less credit.<\/p>\n\n\n\n<p>Responsible lenders won\u2019t issue you more than one payday loan at a time either. However, once you repay your first loan according to your agreement you\u2019re welcome to reapply and it is usually easier to borrow again. You may qualify for a higher amount too.<\/p>\n\n\n\n<p>Be wary of any lender that allows you to have more than one payday loan at a time. You could easily find yourself in a very bad financial position making it impossible to repay your loans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-choose-a-payday-loan\">Why Choose a Payday Loan?<\/h2>\n\n\n\n<p>Most people face a time when they need temporary financial help. You know you\u2019re going to have money soon, but you need it right now.<\/p>\n\n\n\n<p>Luckily, a payday loan can help in this situation. It isn\u2019t meant for shopping sprees, but it can definitely get you out of a financial jam. Here are a few situations when a payday loan might be appropriate:<\/p>\n\n\n\n<ul><li>You didn\u2019t budget correctly and you have a payment coming up before you\u2019ll get your next pay cheque<\/li><li>Your vehicle broke down and you need it for work<\/li><li>The refrigerator in your home died and all your food is spoiling<\/li><li>A friend or relative needs cash to deal with an urgent situation<\/li><\/ul>\n\n\n\n<p>Of course, these are just a few of the ways a Canadian payday loan might be used. Whatever your pressing need, if you know you have money coming in soon a payday loan could be a viable solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-the-lender-licensed\">Is The Lender Licensed?<\/h2>\n\n\n\n<p>This should be one of your most important considerations when choosing a lender. Almost any private company can offer to lend you money. However, unlicensed lenders can also charge whatever amounts they want for interest. They can also levy exorbitant penalties should you fail to repay your loan as agreed.<\/p>\n\n\n\n<p>Conversely, licensed lenders are governed by strict provincial laws. They can only charge up to the maximum amount of interest allowed as stated in regional legislation. They aren\u2019t allowed to charge the hefty penalties that unlicensed lenders can charge either.<\/p>\n\n\n\n<p>Unlicensed lenders may also offer you more than you can reasonably afford to borrow. This can lead to an unmanageable debt load and even a defaulted loan. A defaulted loan can seriously damage your credit and trigger very high fees to further increase what you owe.<\/p>\n\n\n\n<p>On the other hand, licensed lenders have a mandate to lend responsibly. They don\u2019t want you to incur more debt than necessary. As a result, they usually can\u2019t lend you more than 50 percent of your take home pay. Otherwise, you could struggle to pay other expenses or fail to repay your loan.<\/p>\n\n\n\n<p>Additionally, unlicensed lenders can hide their fees and penalties within their paperwork. You may not realize what you\u2019ve signed until things go wrong. Your complaints could be ignored and you may not have a legal leg to stand on since they\u2019re not governed by provincial laws.<\/p>\n\n\n\n<p>Licensed lenders are legally compelled to clearly reveal all fees and penalties in their documentation. If they fail to do so or they try to charge more than allowed, you have recourse through Consumer Affairs. This certainly isn\u2019t the case with unlicensed lenders.<\/p>\n\n\n\n<p>Luckily, GoDay is a licensed lender in BC, AB, SK, MB, ON, NB, NS, and PEI. We follow all payday loan regulations for each region precisely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-the-application-process-easy\">Is The Application Process Easy?<\/h2>\n\n\n\n<p>Many payday loan lenders operate out of brick-and-mortar stores. This can be very inconvenient when you want money fast to deal with a sticky situation. Who has time to visit an office, fill out paperwork, and wait?<\/p>\n\n\n\n<p>Some lenders do offer online payday loans with a much simpler and quicker application process. Just remember to check whether they are licensed. Otherwise, you won\u2019t be protected by regional laws.<\/p>\n\n\n\n<p>A licensed lender will always ask where you live at the beginning of the application process. This automatically applies the allowed borrowing costs for your region. You can see whether the amount seems reasonable even before you provide them with your personal information. An unlicensed lender may not be as straightforward.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-do-you-need-to-qualify\">What Do You Need to Qualify?<\/h2>\n\n\n\n<p>As the saying goes, \u201cIf it seems too good to be true, it probably is\u201d. If a lender guarantees a high rate of approval, asks for little information, and doesn\u2019t tell you what\u2019s involved, you\u2019ll probably want to steer away from them.<\/p>\n\n\n\n<p>Lenders like these certainly aren\u2019t transparent and may not be honest or trustworthy either. If you\u2019re wondering what GoDay\u2019s requirements are for a Canadian payday loan, here you go:<\/p>\n\n\n\n<ul><li>At least 18 years of age and a Canadian resident<\/li><li>Have a permanent address<\/li><li>You have an active Canadian bank or credit union account<\/li><li>You\u2019re paid regularly through direct deposit<\/li><li>You have a valid email and an active cellphone or home telephone number<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-will-lenders-check-your-credit\">Will Lenders Check Your Credit?<\/h2>\n\n\n\n<p>Once again, this depends on the lender. However, since payday loans are for relatively low amounts a lender wouldn\u2019t normally do a hard inquiry that appears on your credit file. Check the fine print to make sure they don\u2019t.<\/p>\n\n\n\n<p>GoDay uses its own custom scorecard to determine whether we\u2019ll give you a loan. If we do check your credit, we use a soft inquiry that does not appear on your credit file.<\/p>\n\n\n\n<p>We\u2019ll let you know within minutes if you\u2019ve been pre-approved and include our terms, including interest, fees, and penalties. Certain applicants may qualify for an installment loan instead of a payday loan which generally offers more flexibility and a lower interest rate too.<\/p>\n\n\n\n<p>Whichever loan you are offered, all you need to do is agree to the terms. We will send you loan documents to sign digitally. If you don\u2019t want to borrow, no problem. You\u2019re under no obligation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-long-until-you-receive-your-money\">How Long Until You Receive Your Money?<\/h2>\n\n\n\n<p>Once again, this depends on the lender. However, we can tell you GoDay strives to get the money in your bank account within an hour. Of course, this depends on the time of day you apply since our online platform accepts applications 24\/7. Nonetheless, if you apply within regular business hours chances are you will get you money quickly.<\/p>\n\n\n\n<p>On the agreed repayment date, everything\u2019s handled automatically too. Your payment will come straight out of your bank account. That\u2019s it. No fuss, no muss.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-goday-canadian-payday-loan\">A GoDay Canadian Payday Loan<\/h2>\n\n\n\n<p>Here\u2019s a quick summary of what our company has to offer to make your lender decision simpler:<\/p>\n\n\n\n<ul><li>GoDay has issued online payday loans in Canada since 2012<\/li><li>We\u2019re licensed in BC, AB, SK, MB, ON, NB, NS, and PEI<\/li><li>Our company is a member of the Canadian Consumer Finance Association which represents most of Canada\u2019s regulated providers of payday loans<\/li><li>We\u2019re a member of the Better Business Bureau with an A+ rating<\/li><li>Our TrustPilot overall rating is \u201cExcellent\u201d and includes over 1,400 customer reviews<\/li><li>GoDay\u2019s application process usually takes less than 15-minutes<\/li><li>We safeguard your data and never use it for anything other than the loan process<\/li><li>Everything\u2019s online, including signing your loan documents<\/li><li>We always let you know what\u2019s happening during the payday loan process<\/li><li>We\u2019re 100% Canadian \u2013 we live and work here and our customer service representatives are Canadians<\/li><li>You have multiple customer service options including a toll-free number, email, website support, and an in-depth online FAQ section<\/li><li>Our website includes financial resources including tools, worksheets, and links to helpful information<\/li><li>We\u2019re totally transparent and we never hide information from you<\/li><li>You\u2019ll get your money quickly &#8211; we use the fastest tools in the industry to ensure you get your cash in as little as one hour once you\u2019ve signed your loan documents<\/li><li>Payment options include direct bank deposit or Interac\u00ae Email Money Transfer (conditions apply).<\/li><\/ul>\n\n\n\n<p>You can find more information on Canadian payday loans <a href=\"https:\/\/goday.ca\/blog\/paydayloans-canada\/\">here<\/a>. If you are ready to start the application process or even want more information, please visit our <a href=\"https:\/\/goday.ca\/\">website<\/a>. Let us show you why so many Canadians choose GoDay over other payday lenders.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Canadian payday loan can offer the money you need to fulfill a modest financial need for the short-term. It may a good alternative if you are unable to borrow from friends or family or when you don\u2019t have access or don\u2019t want to use other credit products. While many lenders offer payday loans, you [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":6579,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[9,10,1944],"tags":[1946,1949,1947],"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>How to Find an Outstanding Canadian Payday Loan<\/title>\r\n<meta name=\"description\" content=\"Many lenders offer payday loans, but how do you find the best? 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