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.
Our cost to borrow is $15 for every $100 advanced. That works out to $45 on a $300 advance (average Canadian advance based on a one pay period advance). For more information please see payday loans.
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.
  • 18 years of age or older
  • Bank account
  • Access to online banking
  • Employment income
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.
This promotion is only available in-store at this time. Visit your nearest PAY2DAY location to apply.
We are currently servicing Ontario and British Columbia. Check back soon as we are always adding locations and expanding to other provinces.
No! There are absolutely no credit checks done when applying for a loan with PAY2DAY.

Complete our easy online application. In order to qualify, you must be 18 years of age or older, have access to online banking, and receive an income derived from employment.
We require valid government issued photo ID. That can be in the form of a Drivers Licence, Passport, Permanent Residence Card, Citizenship Card, Ontario ID Card, or BC Services Card. (Note: We cannot accept Ontario Health Cards as a form of ID)
The entire process from applying to receiving your cash can take anywhere from 1-3 hours, however is subject to change based on volumes.
You will receive a response within 1-3 hours. If you have been waiting for longer than 3 hours, you can contact our customer service line at 1-833-PAY2DAY (729-2329), or email ClientCare@Pay2Day.ca.
  • Request automatic withdrawal from your bank account. Simply email ClientCare@Pay2Day.ca. or call 1-833-PAY2DAY (729-2329) to make this request.
  • Send your repayment via email money transfer to Services@Pay2Day.ca. The security question should be “What is my postal code” and record your postal code as the response (ex. L6X1N8).
  • Visit your nearest PAY2DAY location and repay in cash or debit.
If you received a notification that your application was declined, it could be one of many reasons. Reach out to one of our closest locations to determine if there is any additional information you can provide, or reapply within 60-90 days by emailing ClientCare@Pay2Day.ca.
Once you are approved, the maximum allowable advance is up to 50% of your net pay. There will automatically be an amount available to you based on the information provided to us.
You can LogIn through our website and select “Account Balance”. You can also log in and check your balance on the PAY2DAY APP.
Email Money Transfer payment processing can take anywhere from 30 minutes to 3 hours, depending on volumes. If you have been waiting longer than 3 hours, call us at 1-833-PAY2DAY (729-2329).
Send an email to ClientCare@Pay2Day.ca with your most recent pay stub. One of our Online Support Specialists will update your information and notify you if an increase is available.
If you are having issues, contact us at 1-833-PAY2DAY (729-2329). If the problems are related to your personal account and cannot be resolved, you will need to complete the rest of the application at one of our convenient locations.
Submit an email to ClientCare@Pay2Day.ca with an explanation of the problem you are having, and we will work quickly to resolve any issues. Screenshots are helpful if you have them. You can also contact us directly at 1-833-PAY2DAY (729-2329).
If there is information on the APP that is not correct, please submit an email to ClientCare@Pay2Day.ca and include your current contact information. We will reach out to you as soon as possible to correct any issues.
Contact us at 1-833-PAY2DAY (729-2329) or ClientCare@Pay2Day.ca as soon as possible, and we will make the necessary adjustments.
This just means your application is still pending. Check your email to see if there is any additional information requested. If you have submitted an application and it has been longer than 3 hours, contact us at 1-833-PAY2DAY (729-2329).


We cash almost any kind of cheque including:

  • Payroll
  • Traveler’s cheques
  • Business/commercial
  • Money orders
  • Insurance
  • Court settlements
  • I.D.
  • Valid cheque payable to you or your business
  • Business registration papers (for cheques made payable to your company only)
  • SIN card required (for cheques made payable to your company only)

All of our locations are open 7 days a week. For individual store hours of operation, please see our locations.
We are open 24/7 for your convenience!