Where to find payday loans near me

Not everyone has time to wait for a bank account transfer. According to the Financial Consumer Agency of Canada most payday loan borrowers use the money to cover unexpected expenses like car repairs or to cover bill payments that come due before payday. So if you’re looking to walk in to a payday loan store and walk out with cash in hand, you might be wondering how to find reputable payday loans near you.

You’re in luck. We’ve deigned this guide to help you find legit payday loan lenders offering in-store applications from brick-and-mortar locations.

Where can I get a payday loan near me?

If you’re wondering where to get a payday loan near you, start by searching online for stores near your home or work address. Results can give you an idea of your available options, helping you to weed out lenders that only operate online.

Many in-store lenders maintain websites that highlight the potential loan terms and fees they offer before you visit a store. If you find one that looks like it fits your needs, simply go to that lender’s store to complete an application.

3 steps to finding a payday loan near you

To find a nearby payday loan location in your neck of the woods:

1. Search online for lenders in your area that have physical store locations.
2. Narrow down your options by comparing the potential loan’s amount, store hours and repayment dates.
3. Visit the store to complete your application or start the application online to pick up cash at the store.

Find a payday loan near you based on where you live

Click on the province or territory where you live to see a list of popular payday loan lenders that have physical store locations there.

Popular payday loan lenders with store locations

The lenders below are top providers that operate online as well as out of physical locations. You can contact the lender directly to find out the exact loan amounts available to you.

Lender	Provinces with store locations	Read our in-depth lender review
Cash Money	British Columbia Newfoundland and Labrador Nova Scotia Ontario Saskatchewan New Brunswick Manitoba	Read lender reviewGo to site
Money Mart	Alberta British Columbia Manitoba Nova Scotia Ontario Saskatchewan Newfoundland	Read lender reviewGo to site
Speedy Cash	British Columbia Alberta Saskatchewan Nova Scotia Yukon Nunavut Northwest territories	Read lender review
MyCanada Payday.com	Alberta British Columbia Manitoba Nova Scotia Ontario Saskatchewan	Read lender review
Lend Direct	Ontario	Read lender review
Cash 4 You	Ontario	Read lender review
Captain Cash	Alberta British Columbia Ontario Prince Edward Island	Read lender review

What can I expect when I opt for a payday loan near me?

After you’ve found a lender you want to work with, visit that lender’s store to begin applying for your loan. You’ll typically need to provide government-issued ID and, in many cases, a postdated cheque that your lender will cash when your loan is due. Some lenders also require proof of income and proof of residence to approve your application.
​
If approved, your lender might offer an option to fund your loan instantly. This means you could walk out with cash or a cheque to use toward whatever you need.
​
Ask a store employee to walk you through any questions you have about the application process, loan funding or repayment so that you fully understand any contract you sign.

Should I get payday loans near me or online?

Online payday loans nowadays aren’t what they used to be – the processes have improved a lot in both safety and efficiency in recent years. Online applications are relatively easy to fill out, and you can often get your funds directly deposited into your bank account within 1 hour of submitting an application.

It’s also more convenient if you don’t have access to transportation and you can’t find a payday loan near you within walking distance. Many payday loan providers now also offer apps, so you can easily fill out a loan application and manage your money from the convenience of your smart phone.

When you apply for a payday loan online, you simply fill out and submit the application entirely online through the payday loan provider’s website. Once approved, funds are then usually transferred directly into your bank account through an e-transfer. There are many payday loan providers in Canada that can approve and transfer funds with an hour of receiving your application.

How long does it take to get funds through an online payday loan?

Below is a comparison of the turnaround time of online, licensed payday lenders in Canada.

Compare online payday loans from top lenders

Check the websites of any lenders you’re interested in to confirm they operate in your province or territory of residence.

Sort by:

Name	Product	Loan Amount	Loan Term	Interest Rate	Turnaround Time	Serviced Provinces	Offer
Money Mart Payday Loan Money Mart Payday Loan		$120 - $1,500	1 - 62 days	Varies by province	As little as 1 hour after getting approved	AB, BC, MB, NS, ON, SK		To be eligible, you’ll need to be at least 18 years of age with a steady source of income and a chequing account. No credit check required.	Go to site View details	Compare	loading Fetching your data...
Cash Money Payday Loan Cash Money Payday Loan		$100 - $1,500	5 - 40 days	Varies by province	As little as 15 minutes with INTERAC e-Transfer	BC, NL, NS, ON, SK	Apply for your first $300 payday loan at a $20 cost (excludes SK applicants).	Have your banking details ready to get a loan in 2 hours. You'll need to be 18 years of age or older and have a net income of at least $1,000/month. Residents of MB and NB must apply in-store for a loan.	Go to site View details	Compare	loading Fetching your data...
iCASH Payday Loan iCASH Payday Loan		$100 - $1,500	7 - 62 days	Varies by province	As little as 2 minutes with INTERAC e-Transfer	AB, BC, MB, NB, NS, ON, PEI	Get up to 20% in cash back once your payday loan is fully repaid. Conditions apply.	To be eligible, you'll need to be at least 19 years of age and have a net income of at least $800/month deposited into your bank account.	Go to site View details	Compare	loading Fetching your data...
GoDay Payday Loan GoDay Payday Loan		$100 - $1,500	Up to 62 days	Varies by province	As little as 2 minutes with INTERAC e-Transfer	AB, BC, MB, NB, NS, ON, PEI, SK		To apply, you'll need to be a Canadian resident over the age of 18 with a valid email address, phone number and an open bank account with a Canadian bank or credit union.	Go to site View details	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

Bottom line

Although online loans come with many perks, you might just prefer to go to an in-store lender in your neighborhood to borrow emergency funds and walk away with cash in-hand. Visiting a payday loan store can help you access the funds you need quickly. Check out our comprehensive guide to payday loans to weigh the benefits and drawbacks of any short-term lender before you borrow.

Frequently asked questions about getting payday loans near me

• Do I need a bank account for a payday loan?

  ​
  Yes, in most cases. Even in-store lenders will likely require a bank account for easy repayment of your loan.
  ​

• What is considered proof of income?

  ​
  These are documents like cheque stubs and employer information that prove to a potential payday lender that you’re able to repay the amount you borrow. What qualifies as proof of income varies by lender, so call ahead to make sure you bring along everything you need.
  ​

• Can I get my loan funds on a prepaid debit card?

  ​
  Yes, with the right lender. Some lenders deposit your loan on a debit card, whereas many others don’t offer that options. Ask a representative about funding options before visiting the store.
  ​