Payday Loan Canada | Canadian PayDay Loans

QUESTIONS

What is a payday loan?
A payday loan is an easy way to get quick cash until your next payday.

What are the requirements to get a payday loan?

Are you a Canadian citizen or resident?

Are you at least the age of majority in your province or territory?

To see if you qualify for an online payday loan you have to answer the following questions:

Do you have a job?
Have you been with your current employer for more than 3 months?
Do you have an active chequing account?
Do you get paid by direct deposit?
Do you bring home at least $1000 per month?
Do you have an active phone number that we can reach you at?

If you answered YES to all these questions - you qualify *.
*Unfortunately people who fall under the following categories do not qualify: self-employed, paid by commission, on social assistance, on worker's compensation or on disability. You must not have filed for bankruptcy in the past year. Final decision is made by a third party lender.

Will I be approved for a cash advance?
Most people are approved for a cash advance; however, you may be denied if you fall under one or more of the following categories:

Employment
If you are currently unemployed or have been employed for less than 3 months. Banking History: You don`t have a chequing account, you have a newly opened chequing account, you have multiple NSF charges showing or you have multiple current or delinquent payday loans. Other: Your net monthly income is less than $1000, you do not have an active contact number where you can be reached, your application or any documents are not genuine.
Banking History
Your advance application may not be approved if you do not have a chequing account; if you have a newly opened chequing account; if you have multiple NSF charges in your chequing account, or if you have multiple outstanding payday loans.
Income and contact phone number
Your cash advance application may not be approved if your net monthly income is less than $1000.00, or if you do not have an active phone number that you can be reached at.

What if I have bad credit?
Bad credit? No credit? No problem! Our third party lenders do not care about your credit history.

What if I am in bankruptcy?
Customers who are currently in bankruptcy are not qualified, but any discharged bankruptcies are of no concern.

How soon can I receive my payday loan?
All loan applications are processed as quickly as possible. If you apply using Express form, you can be approved and have cash deposited in your bank in as little as 30 minutes.* The Standard form will take longer.
*During our business hours.

What documents do you require me to fax in?
If you apply using Express form, you will only be required to fax loan documents which will be emailed to you once you get approved.

When will I hear from you?
Once you complete the online application, you will receive a confirmation email with a login and a password to access your private customer page where you monitor the status of your application. It usually takes only about 30 minutes to process your online payday loan application during our regular business hours, although, during morning hours and on Mondays, it can take a little longer due to the usual higher volume of payday loan applicants.

I am approved, how do I get my money?
The funds will be wired directly into your bank account within two business days or an Interac Email Money Transfer* will be sent to your email which takes less than 30 minutes.
*Only available to applicants and customers that have a chequing account with oneof the five major Canadian banks.

How do I pay you back?
Your bank account will be debited on your next scheduled pay day.

How soon do I have to pay it back?
All payday loans are due on your next pay day.

I have a small pay cheque this time; can I skip my payment till my next pay?
Your loan payment cannot be skipped.

I don't want my employer to know that I'm applying for a loan. Do you have to verify my employment?
If you apply using Express application, lenders are able to confirm your employment through your banking and in most cases they would not need to contact your employer. With a Standard application lenders might have to call and speak with your HR department. Customer Service Agents are very discreet when verifying your employment and do not disclose where they are calling from.

How much can I borrow?
You can borrow from $100 up to $500. (Subject to approval)

Can I get approved today, and get the money later on, when I need it?
Yes. Your approval is good for 4 weeks. When you do decide to retrieve your cash advance, your information will be confirmed again to make sure that it is still accurate.

If I don't qualify for the loan amount requested, can I get a different loan amount?
Customers` loan limits are calculated on a point system. Depending on that system, lenders evaluate how much you qualify for and then issue you a loan up to that determined limit.

What provinces and territories do you lend to?
We provide payday loans to residents of all provinces and territories except for Quebec.

Can I pay my loan back earlier than my original due date?
Yes. Just call customer service to let them know and they will make the appropriate changes to your due date based on your request.

What happens if I default on paying back my loan?
Lenders do reserve the right to collect delinquent loans using all legal remedies available including legal debt collection and civil court action.

How do I refer a friend?

Login to your customer account and click the Referrals button.
Enter a friend or family member`s name and email address.
We will do the rest! It couldn`t be easier.
Your friend must clear his or her first payment to us.

What does my friend have to do for me to qualify for a referral bonus?

Your friend must not have ever registered with FastCashCanada.com or any of its affiliates before.
Your friend must use the link in the referral email we sent him or her.
Your friend must complete an online payday loan application.
Your friend must be approved and accept the payday loan.

Who can I refer?
You can refer people with whom you have had a previous relationship with. This includes family, friends, co-workers, etc. You MAY NOT refer individuals that you do not know. This includes, but is not limited to, names you obtain from the Internet, group mail or group email lists.

How much do I receive for successfully referring someone?
The Referral Bonus Program pays you $20 each time one of your referrals successfully pays back at least the fees on their first payday loan. You are only eligible to receive one referral bonus per person you refer. The money will be deposited into your bank account on the next business day.

*FastCashCanada.com reserves the right to cancel this program at any time for any reason. Additionally, if FastCashCanada.com determines under its sole discretion that you have not complied with the above terms and conditions then it may immediately withdraw all benefits to you under this program.