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Ontario Payday Loan Rates

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PAY2DAY Inc. encourages responsible borrowing.

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$300 cash advance for free is a limited-time special offer available to new in store customers and select customers who have not taken a loan for at least 180 days. At participating locations. Not available for online registrations. Subject to change at any time without notice. Cannot be combined with any other offer. Conditions apply. See in store for details. Loans are subject to net pay and other qualification requirements. This offer is available to Ontario & British Columbia residents only. Under this offer, for a $300 payday loan for 14 days, the cost of borrowing is $0 for each $100 advanced with a total payback amount of $300. The cost of borrowing for all amounts in excess of $300, plus all subsequent loan amounts, is $15 for each $100 advanced.

Ontario Residents: The cost of borrowing at PAY2DAY in Ontario is $15 per each hundred advanced. On a $500 payday loan for 14 days, the cost of borrowing is $75 with a total payback amount of $575 and an APR of 391.07%. The maximum allowable cost of borrowing under payday loan agreements in Ontario is $15 per each $100 advanced. All loan amounts are subject to net pay and other qualification requirements. Rates are subject to change at any time without notice. For a $1500 payday loan for 14 days, the cost of borrowing is $15.00 for each $100.00 advanced with a total payback amount of $1725.00.

British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 15% of the principal. We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total payback amount of $345 and an APR of 391.07%. BC Licence #77089.

Nova Scotia Residents: The cost of borrowing at PAY2DAY in Nova Scotia is $17 per each $100 advanced. On a $100 payday loan for 14 days, the cost of borrowing is $17 with a total payback amount of $117 and an APR of 443.21%. Payday loans are high-cost loans.

PAY2DAY Inc. encourages responsible borrowing. Payments made after the due date may result in a returned item fee and returned item interest at 30% per annum. If your account becomes severely delinquent, it may be turned over to our internal Legal Department or external 3rd party collection agency which could impact your credit score. In accordance with government regulations your loan must be paid in full by the due date and cannot be extended, refinanced or rolled over.

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