Online Payday Loans in Canada – Fast & Express Approval
- $300 - $3000
- No documents required
Need to borrow money fast?
Apply for online payday loans in Canada and get approved quickly from the comfort of your home.
Why Choose Get My Pay Today for Online Payday Loans in Canada?
Get My Pay Today has been helping Canadians access fast and reliable online payday loans in Canada for over 17 years. We specialize in short-term lending solutions designed to provide quick financial relief when you need it most.
Our experienced team works to match you with the right loan option quickly and responsibly. We focus on transparency, fast decisions, and simple processes — so you can apply with confidence and get funds without unnecessary delays.
Get Online Payday Loans in Canada in 3 Simple Steps
Apply Online
Complete our quick and secure form in minutes. Applying for online payday loans in Canada is simple and requires only basic information — no paperwork or in-person visits.
Get Approved Fast
Our system reviews your request right away. Once approved, you’ll receive your loan agreement electronically to review and sign online.
Receive Your Funds
After signing, your money is sent directly to your bank account through Interac e-Transfer. Most customers receive their funds within the same day.
This is a short-term payday loan. The full balance is due on your next scheduled payday.
Credit Know-how
Repayment examples
A $300 loan may include fees permitted under provincial regulations. Exact costs are disclosed before you sign your agreement.
Repayment term
Short-term loans are typically due on your next payday. Longer repayment options may be available depending on approval.
Interest Rate
Rates and fees vary by province and lender. All charges are presented clearly before you accept the loan.
Need Online Payday Loans in Canada Today?
Terms and Conditions
Repayment options
Example of a $300 loan
Option 1
You pay the minimum weekly financing fee of $46.22 for a $300 loan. If you are paid biweekly, your payment would be $92.44 every two weeks. This option keeps your account active while covering the weekly cost.
Option 2
You can pay the weekly financing fee plus an additional amount toward your principal. For example, a payment of $146.22 per week would reduce your loan balance by $100, helping you pay off your online payday loan in Canada faster.
Option 3
You may choose to repay the full balance at once. For a $300 loan, a payment of $346.22 the following week would close your account and settle your loan completely.
Financing fees
Financing costs are $12 per $100 borrowed. This weekly amount includes brokerage and administrative fees associated with online payday loans in Canada.
FAQ
Most customers receive their funds within one hour during business hours. Our online payday loans in Canada are designed for speed, so once you’re approved and sign your agreement, the money is sent directly to your bank account.
No traditional credit investigation is required. Our network focuses on your current income and ability to repay rather than your credit history. That’s how we make online payday loans in Canada accessible and fast.
Applying is simple. To qualify for online payday loans in Canada, you must:
Have a chequing account active for at least 3 months
Be employed for 3 months or more
Receive income by direct deposit
Be discharged if you previously filed bankruptcy or a consumer proposal
These basic requirements help ensure a smooth and quick approval process.