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What is a payday loan?

A payday loan is a short term finance option. This is designed for consumers who are in need of small amount of cash advance urgently. This loan is offered on basis of your monthly income and expenses. The loan repayment due date is usually on the day you receive your paycheck, which is why it is called a payday loan.

How much cash can I borrow?

On this website you can apply for a loan ranging from $100-$1000. But, the amount you apply for is not necessarily the final loan amount you are eligible for. Loan amount depends on your personal details and calculation parameters of lenders.

What are the eligibility criteria for this loan?

Eligibility criteria are very simple. If you are a citizen of Canada, 18 years or above, have a permanent employment and a valid bank account you can obtain these loans.

I work part time. Is it acceptable?

Yes. It is acceptable. A permanent income source is important to secure a loan, even if it is a part time employment. You can get a small amount cash advance in case you have lower monthly income.

How to repay the loan?

Almost all loans are repaid through a simple direct debit method. It is important to have sufficient funds in your account by due date to make on time payments & avoid late payment penalty.

I have loan defaults in past. Can I still obtain these loans?

Yes. Even if you have bad credit score but you can afford a loan now you may be able to get hold of these loans. Payday loans are emergency funds designed for everyone who needs quick cash.

What if I miss the repayment on due date?

You might be charged a penalty for late payment. But it depends on how late you are in making the payment. These terms are always mentioned in loan agreement. If you read the terms at the time of accepting the loan you can avoid paying extra in return. IT also helps you avoid hurting your credit rating.