Questions & Answers

How can I send you my bank statement?
The easiest way to send us your bank statement is to install software called Cute PDF and save your bank statement as PDF file. Once you save your bank statement as PDF file, you can attach it to email and email it to us. Please click here to download Cute PDF. If you need instructions on how to install it, you can watch video here with step by step instructions.

What is a payday loan?
A payday loan is a small, short-term loan that is meant to be paid back on your next payday. They are beneficial when needing to cover important costs or emergencies that would otherwise cause financial burden and stress if not covered.

How do I qualify for a payday loan?
In order to get a payday loan with us, there are a few qualifications that you must take into account:
- You MUST have been working at the same employer for at least the past three months
- You MUST have a bank account with direct deposit payroll showing for the past two months
- You MUST be at least the age of majority in your province or territory
- You MUST be making at least $500 on a biweekly or semimonthly basis
- You MUST have a working phone number that you can be reached at

How do I get the money?
If you bank with one of the five major banks in Canada (RBC, TD, CIBC, Scotia and BMO) or Prospera Credit Union, you can receive an Interac Email Money Transfer within thirty minutes from the email being sent. If you bank with any other bank or credit union, you will have to wait two business days for the payment to be wired to your bank account.

How much can I borrow?
As a first time customer, you can get up to $300. Returning customers can get up to $1000.

How long does it take to get a loan?
It usually takes about 30 minutes to get a response. Although, depending on how busy it is at the time, it may take longer. Upon approval, though, you can have the money deposited into your bank account within 30 minutes as long as you deal with one of the five major Canadian banks or Prospera Credit Union.

When do I pay back?
You will have to pay back the loan by or before your next payday.*

How do I refer someone?
All you have to do is find someone you know that is in need of a payday loan. You can then refer them to our website by sending a message at which point they will apply. You must send a referral message via the referral email option in your personal customer's page on our website. They must be approved and accept our payday loan in order for them to be called a referral and for you to start qualifying for your $20 referral bonus.

When do I get my referral bonus?
You will get your first referral bonus after the person you referred pays back their first loan.

How many people can I refer?
You can refer as many people as you want. You can only refer each person once.

What happens if I miss a payment?
If your payment comes back due to any reason (ie. NSF, stop payment, funds not cleared, etc.), you will be charges a default fee which will be added to your total balance. You will have to contact us immediately with payment arrangements. Our company reserves right to collect delinquent loans using all legal remedies available including legal debt collection and civil court action.

How do I increase my credit limit?
In order to increase your credit limit with us, you must develop a good history of paying us back. Upon paying us back four times, you can request your credit limit to be increased.

Why was I denied?
There could be a number of reasons you were denied. The usual reasons for being denied are: no direct deposit, insufficient pay, providing false information or documents and more.

What if my credit is not good?
No need to worry! We do not weigh your credit standing heavily on our decision to grant you a loan. We look mostly at your bank history and base the amount you can qualify for on that.

What if I’ve gone bankrupt before?
As long as you haven’t gone bankrupt within the past year, you can apply for a loan. Remember, we do not weigh your credit standing heavily on our decision to give you a loan.

Can I skip my payment this payday and pay on my next one?
No. You cannot skip any payments until your next payday.