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

Find a Location

Find a PAY2DAY location near you!

Why Choose PAY2DAY?

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

Apply for a Payday Loan Online

To apply for a loan 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!


Now Available in Nova Scotia!

Apply for a payday loan online in Nova Scotia today!

Apply Online 24/7 in Nova Scotia

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

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

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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