Instant Payday Loans in Canada!

Visit one of 32 locations in Canada or apply online 24/7 and receive your funds via E-Transfer.

Instant Payday Loans in Canada!

Visit one of 32 locations in Canada or apply online 24/7 and receive your funds via E-Transfer.

Customer Testimonials

Why Choose PAY2DAY?

With over 20,000 online 5-star reviews, PAY2DAY is the most trusted short-term loans provider in Canada! Need a cash advance today? You can visit one of over 30 locations in Ontario & BC or apply online 24/7 to borrow anytime, anywhere!

Loans & Financial Services

If you live in Canada and are looking for a short-term personal loan or cash advance service – we can help! PAY2DAY has been a trusted provider of quality loans & financial services to Canadians since 2005. We understand the need for an occasional short-term payday loan and do our best to make it as easy as possible to get. The process is quick & hassle-free with no hidden fees or credit checks. We never ask you why you need the money and when it comes to paying it back, we offer several truly flexible repayment options. We have over 30 convenient locations and service the provinces of Ontario, British Columbia (BC) and Nova Scotia.

Prefer to borrow from the comfort of your own home? Not a problem! You can borrow up to $1500 instantly by filling out our easy-to-use online application. We are available 24 hours a day, 7 days a week! The process is 100% secure and only takes a few minutes to complete. Once approved, you will receive your funds electronically via E-transfer on the same day you applied for your loan, usually within 1-2 hours! What are you waiting for? Apply today!

Here are some of the other payday loans services we offer across Canada:

Apply for a Payday Loan Online

To apply for a cash advance at PAY2DAY, just complete our simple FastTrack Your Cash online application form. Approvals are fast, easy and available 24 hours a day, 7 days a week. Once approved, you will receive your funds directly in your bank account via E-transfer – usually within 1 hour!


Apply Online 24/7 in Nova Scotia!

Apply for an online cash advance today!

Need a short-term loan in Nova Scotia?

We can help! PAY2DAY has expanded our online service to the province of Nova Scotia! Whether you live in Halifax, Truro, Dartmouth, Sydney or anywhere else in Nova Scotia, you can apply online for a payday loan 24 hours a day, 7 days a week. No matter what you're doing or where you are – if you've got your phone, you can get a loan! Borrow up to $1500 instantly! We are fully licensed in Nova Scotia & our application process is fast, easy & 100% online with absolutely no paperwork.

Want to talk to someone? Not a problem! Our customer service department will continue to offer the same 5-star service that all our customers have become accustomed to.


We Service all of Ontario, BC & Nova Scotia

Need a cash advance but can't make it a store? Not a problem. Our online loans department is open 24 hours a day, 7 days a week.

Canada | Ontario | BC | Nova Scotia | Toronto | Scarborough | Mississauga | Brampton | Hamilton | Ottawa | Kitchener | London | Guelph | Oshawa | Vancouver | Surrey | Victoria | Kelowna | Halifax | Truro | Dartmouth

Home Equity Loans Now Available!

Borrow up to $100,000 against the equity in your home. 48 hour approvals and funding!

Borrow up to $100,000 Today!

Are you a homeowner in Ontario looking to renovate your home, consolidate your debt or finance that dream project? Whatever you need the money for, it's simple to borrow up to $100,000 against the equity in your home without the hassles and headaches of dealing with a bank. The process is fast, easy and allows you to get approved and funded in as little as 48 hours! Just visit one of our convenient locations in Ontario, fill out the application form, and start taking advantage of the equity in your home today!


Download our Mobile App!

Enjoy 24/7 access to your account by using our convenient mobile App.

Borrow Anytime, Anywhere!

With PAY2DAY’s mobile App, you can easily access your account no matter where you are or what you're doing. New customers can easily register for an account, while returning customers can re-borrow, view balances or make payments 24 hours a day, 7 days a week.

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Frequently asked questions about applying for a payday loan.

1What is a payday loan?
A payday loan is an unsecured short term loan for a period of 1 to 31 days. It is typically based on the amount of your paycheque. It is designed to help meet unexpected expenses or financial emergencies between pay periods.
2How much interest do you charge for a payday advance?
Our cost to borrow is $15 for every $100 advanced. That works out to $75 on a $500 advance (average Canadian advance based on a one pay period advance). Our interest rate is comparable to all other financial institutions offering payday loans and is regulated by the provincial government.
3How do I apply for a loan with PAY2DAY?
You can choose to visit one of our convenient locations for cash on the spot, or apply online and receive your funds directly to your bank account; whatever works best for you. At this time, we are unable to complete applications over the phone.
4What do I need in order to apply for a payday loan?
  • 18 years of age or older
  • Bank account
  • Access to online banking
  • Employment income
5Do you accept EI benefits as income?
Yes. We currently accept Employment Insurance benefits as a form of income. You can apply online or at one of our over 30 locations.
6I'm retired. Do I still qualify for a cash advance?
Absolutely! You can visit one of our convenient locations And of course, you can always talk to a customer service representative 24/7 if you have any questions by contacting us.
7How do I qualify for your first-time customer promotion?
This promotion is only available in-store at this time. Visit your nearest PAY2DAY location to apply.
8Which provinces do you operate in?
We are currently servicing Ontario, British Columbia and Nova Scotia.
9Do you do credit checks?
No! There are absolutely no credit checks done when applying for a loan with PAY2DAY.
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