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Weekend payday loans in Canada

Need quick cash on a Saturday or Sunday? Find out how you can get payday loans on the weekend.

If you find yourself short on cash, there are services you can turn to even on the weekend. Keep reading to find out where to get and how to apply for weekend payday loans in Canada.

⚠️ Warning: Be cautious with payday loans
High-cost payday loans are unsustainable for borrowing over a continued period of time and are expensive as a means of longer-term borrowing. View payday costs and regulations by province here. If you're experiencing financial hardship call Credit Counselling Canada for free financial counselling (Monday-Friday 8:00am-5:00pm at +1 866-398-5999). You may also want to consider payday loan alternatives.

Weekend payday loans in Canada

1 - 4 of 4
Name Product Loan Amount Loan Term APR Turnaround Time Serviced Provinces Offer Table description
iCash Payday Loan
$100 - $1,500
7 - 62 days
Varies by province
As little as 2 minutes with Interac e-Transfer
24/7 instant approval and e-Transfer funding.
Same day cash up to $1,500 for car payments, rent, mortgage, home & appliance repair, and more. Income of at least $800/month required.
GoDay Payday Loan
$100 - $1,500
Up to 62 days
Varies by province
As little as 2 minutes with Interac e-Transfer
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.
Money Mart Payday Loan
$120 - $1,500
1 - 62 days
Varies by province
As little as 1 hour after getting approved
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.
More Info
Cash Money Payday Loan
$100 - $1,500
5 - 40 days
Varies by province
As little as 15 minutes with INTERAC e-Transfer®
Instant decision and e-Transfer funding. Income of at least $1,000/month required.
More Info
Maximum borrowing costs of payday loans per province
Always refer to your contract for exact repayment amounts and costs.
Province Max. cost of borrowing a $100 payday loan Cooling off period to cancel loan Max. penalty for returned cheque or pre-authorized debit
Alberta $15 2 business days $25
British Columbia $15 2 business days $20
Manitoba $17 48 hours excluding Sundays and holidays $20
New Brunswick $15 48 hours excluding Sundays and holidays $20
Newfoundland and Labrador $14 2 business days $20
Nova Scotia $15 Next business day (2 days for online loans) $40 (default penalty)
Ontario $15 2 business days $25
Prince Edward Island $15 2 business days N/A
Quebec Limit of 35% AIR N/A N/A
Saskatchewan $17 Next business day $25

Can I get a payday loan on the weekend in Canada?

Yes, there are lenders in Canada that give approval and funding for payday loans on weekends. You can visit a store that’s open on weekends, get approved on the spot and walk out with your funds.

You can also apply online with a payday lender that operates on a weekend. If you’re applying online, check that there’s an option to receive your funds via e-transfer as e-transfers can be sent and received 24/7 even if your bank is closed or it’s outside of business hours.

What do I need to get a weekend payday loan in Canada?

Basic requirements for online payday loan applications include the following:

  • Be at least 18 years old or the age of majority in your province.
  • Be a Canadian citizen or resident.
  • Provide government-issued ID.
  • Provide proof of recurring income.
  • Have a valid bank account (make sure you have e-transfer set up).

These are the basic requirements for in-store applications:

  • Be at least 18 years old or the age of majority in your province.
  • Be a Canadian citizen or resident.
  • Provide government-issued ID.
  • Provide proof of recurring income.
  • Have a working phone number.

How quickly can I receive a weekend payday loan in Canada?

We’ve rounded up a list of lenders offering weekend payday loans in Canada and information on their approximate fund turnaround times.

ProviderWeekend payday loan turnaround timeAvailability
iCASHAs little as 2 minutes with Interac e-Transfer
  • Online 24/7
GoDayAs little as 2 minutes with Interac e-Transfer
  • Online 24/7
My Canada Payday LoansFunds will be sent in as little as 15 minutes via Interac e-Transfer
  • Online 24/7
Cash4YouIn 60 minutes with funds deposited via INTERAC e-Transfer. (Applies to applications submitted during business hours.)
  • 9am -5pm Sat (closed Sun)
Pay2DayWithin 1-2 hours via e-Transfer once approved
  • Online 24/7
  • Typically 9am-9pm Sat
  • Typically 10am-6pm Sun
myonlinecashVia e-transfer within 5 minutes of electronically signing your contract
  • Online 24/7
Learn more
Cash MoneyAs little as 15 minutes with INTERAC e-Transfer®.
  • Online 24/7
  • Typically 9am-9pm Sat
  • Typically 10am-6pm Sun

How to compare weekend payday loans in Canada

While many weekend payday lenders offer the same features, there are some differences to watch out for, which can help narrow down your options of loans to apply for. These features include the following:

  • Turnaround time. One of the fastest ways to get weekend payday loans in Canada is from online lenders who have fully automated application and approval processes. Many lenders, like iCASH and GoDay, operate online 24/7 and offer e-transfer within minutes of getting approved.
  • Reputation. Make sure you choose a legitimate payday lender that abides by provincial regulations and properly assesses your ability to repay a payday loan. Also, read reviews from people who have taken out a loan from them.
  • Application. Lenders’ applications differ too. They may ask for online banking verification or a photo of yourself. They might give an instant decision or take an hour or 2 to respond. Watch out for lenders like Speedy Cash, for example, that advertise 24/7 online applications over the weekend but won’t deposit loan funds until the next business day.
  • In-store network. If getting a weekend payday loan at a store is important to you, check whether the lender has any convenient locations.

How much do weekend payday loans cost in Canada?

Since payday loans are provincially regulated in Canada, the overall cost of a weekend payday loan will vary based on where you live. Here’s a breakdown of how much a $500 payday loan would cost:

Province Cost per $100 Total fee Total repayment amount
Alberta $15 $75 $575
British Columbia $15 $75 $575
Manitoba $17 $85 $585
New Brunswick $15 $75 $575
Newfoundland and Labrador $14 $70 $570
Nova Scotia $17 $85 $585
Ontario $15 $75 $575
Prince Edward Island $15 $75 $575
Saskatchewan $17 $85 $585

Payday loans are one of the most expensive types of personal financing on the market. For example, a payday loan taken out over a 2 week period will be more expensive than a credit card cash advance in that instance. Check out our full guide to payday loan alternatives to learn more about cheaper options.

Pros and cons of weekend payday loans


  • You’ll get your money anytime from anywhere. Some payday loan providers let you borrow funds any day of the week, day or night. Since they offer loans online, you can apply for one anywhere or anytime.
  • You’ll be able to use the funds for any purpose. Payday loan providers don’t place restrictions on how you use the money you receive as long as it’s for legitimate purposes.
  • A bad credit score is OK. Unlike traditional lenders, payday lenders accept applications from individuals who have a poor credit score or bad credit history. What’s important is demonstrating an ability to repay the money you borrow.


  • You’ll pay a higher APR. One of the biggest drawbacks of weekend payday loans in Canada is the high fees. Make sure you’re aware of how much you’ll be expected to repay. Fees can vary depending on your credit score and the province or territory you live in.
  • The loans are only short-term. No matter how much money you borrow, expect to repay the entire amount on your next payday. Payday loans are not a solution for larger amounts of debt.
  • Predatory lenders. When you need money now, it’s easy to go with the first lender you find, but be sure to check if they are a reputable and trustworthy lender before signing a loan contract. This saves you time and money in the long run.

When should you avoid weekend payday loans?

  • Avoid a loan you can’t repay. If you think you’ll have trouble repaying your loan, don’t take it out. Late or missed payments will lead to extra charges, costing you more money and sending you into a vicious cycle of debt.
  • Avoid skimming quickly over your loan offer document. Before you accept the weekend payday loan, take time to go through the terms and conditions carefully. This should give you a clear picture of the fees and charges you might be expected to pay under various circumstances.
  • Avoid bad terms. If you have a weekend payday loan offer that is extremely costly and full of fees, you’re under no obligation to accept the terms. There are lender-matching services that can help you find a better loan.

How do I know a payday loan is legit?

There are several ways to determine if a payday lender is legit.

  • Check for BBB accreditation.
  • See if the lender is transparent about fees.
  • Check that the lender abides by the provincial regulations for payday loans.
  • Check that the lender has a licence.
  • Read reviews about the lender.

Bottom line

Many online lenders offer weekend payday loans in Canada. You can always visit a local payday store location to apply for the loan in person, if there are any open near you on the weekend. However, it’s becoming more common to apply for payday loans online and receive your loan funds anytime day or night – even on the weekends. Compare and apply with an online weekend payday lender here.

Frequently asked questions about weekend payday loans in Canada

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