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Payday loans open on Sunday

Find out where you can get a Sunday payday loan.

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By

Leanne Escobal

&

Emma Balmforth

Updated

Fact checked

Can I get a payday loan on Sunday in Canada?

If you need a payday loan on Sunday, your best bet is to either apply with an online 24/7 Canadian payday loan provider, like for an iCASH Payday Loan, or at a local lender offering same-day cash pickup. Other lenders will allow you to apply for a payday loan on a Sunday since you can easily do this online, but won’t release your funds until the next business day at the earliest.

⚠️ Warning: Be cautious with payday loans
Payday loans are expensive. 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). Consider payday loan alternatives:
  • Visit 211.ca. A free and confidential service that connects you to organizations that can help with finances, food, housing and more.
  • Debt relief providers. There are services to help you reduce your debt payments.
  • Payment extensions. Talk with bill providers about longer payment plans or due-date extensions.

Compare online payday loans open on Sunday

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Name Product Loan Amount Loan Term Interest Rate Turnaround Time Serviced Provinces Offer Table description
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.
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View details
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.
Same day cash up to $1,500 for car payments, rent, mortgage, home & appliance repair, and more. 24/7 instant approval and e-Transfer funding. Income of at least $800/month required.
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View details
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Maximum borrowing costs of payday loans per province
Always refer to your contract for exact repayment amounts and costs as they may vary from our results.
Province Maximum allowable cost of borrowing
Alberta, British Columbia, New Brunswick, Ontario & Prince Edward Island $15 per $100 borrowed
Manitoba, Saskatchewan & Nova Scotia $17 per $100 borrowed
Newfoundland and Labrador $14 per $100 borrowed
Quebec Limit of 35% annual interest rate (AIR)

What loans can I get on a Sunday?

The loans you can get on a Sunday will likely be limited to payday loans. That’s because those are typically the only type of loan with providers fully operational on Sundays and a fast enough runaround time where you can both apply and get funding in a day. Payday lenders typically release funds on Sundays in one of these 3 ways:

1. Online payday loan

Some online lenders allow you to apply online, process and transfer your payday loan directly into your bank account within an hour – even on a Sunday. Other online lenders may approve your loan on a Sunday, but transfer the funds as early as the next business day. Compare online lenders.

2. A prepaid card payday loan

It may be possible to find a lender who offers short-term loans on a prepaid debit card. You can read our full guide to getting a payday loan on a prepaid debit card to explore your options. If you already have your own eligible prepaid debit card, you might even receive your funds more quickly on a Sunday than with an e-transfer to your account.

3. Cash from a physical branch location

Some lenders have branch locations open on Sundays. You can physically go to one of these stores to submit an application and get your cash loan almost immediately.

Payday loan lenders with physical locations open on Sundays

If you prefer to walk into a store, below are some options. Please note that only some branches are open on a Sunday.

Payday loan lenderServiced provincesHow to check which branches are open on a Sunday
Cash MoneyBC, MB, NL, NS, ON, SK, AB, NBVisit its interactive map

Get funds in 15 minutes from the comfort of your home.

Money MartAB, BC, MB, NS, ON, SK, NB, NL, NT, PE, YTVisit its interactive mapAs little as 1 hour after getting approved
My Canada Payday LoansAB, BC, ON, NSGet more detailsFunds will be sent in as little as 15 minutes via Interac e-Transfer
Speedy CashAll provinces except Quebec and PEIGet more details24-hour application process with funding on the spot for in-person payday loan approvals, and up to 1 business day to e-Transfer for online applications

What will I need to apply for a Sunday payday loan?

In order to apply for a payday loan, whether on a Sunday or any other day of the week, you’ll need to meet some basic eligibility criteria and provide some information, which may include:

Eligibility criteria for Sunday payday loans

  • You must be at least 18 years old, or the age of majority in your province or territory.
  • You must be a Canadian citizen or a permanent resident, and have a valid Canadian address.
  • You must have a valid bank account.
  • You must have a regular source of income.

Required information for Sunday payday loans

  • Your full name, date of birth, address, phone number and email address.
  • Your Social Insurance Number and valid government-issued ID.
  • Your monthly income and employment details.
  • Your banking details.

What’s an instant decision payday loan?

Although some lenders won’t process your application on a Sunday, you could receive “instant approval” when you submit a loan application online. In this situation, a lender approves (or denies) your loan application based on the preliminary information you provide, but it doesn’t mean you’ll get your loan on the same day.

Instant approval could, however, result in faster processing of the money you request, allowing you to receive it within one or two business days.

Pros and cons of getting payday loans on a Sunday

Benefits

  • 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 just about 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 you use it 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.

Drawbacks

  • You’ll pay a higher APR. One of the biggest drawbacks of payday loans is the high fees that you will pay. Make sure you’re aware of how much you’ll be expected to repay. Fees can vary depending on what province or territory you live in and what your credit score is like.
  • 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 will save you time and money in the long run.

What other options do I have to get quick cash on a Sunday?

Since payday loans are often the most expensive type of loan you can get in Canada, it’s always worth exhausting other options before resorting to payday loans. If you need money quickly on a Sunday, you can consider these other alternatives:

  • Ask a friend or family member. When times are tough, your network of support can be exactly what you need to get by. Loans from family members or friends don’t come with interest and tend to have more forgiving terms than those from a lender. Check with someone you know before taking on extra debt and always keep an open line of communication between yourself and any loved ones that you borrow money from.
  • Take out a credit card cash advance. If you have an existing credit card, you could visit an ATM and take out a credit card cash advance. While the interest rate on what you borrow can be high and is charged immediately, cash is available when you need it – even on a Sunday.
  • Request more time to pay. When an emergency payment is due on a Sunday, you might be able to ask for more time to pay it off. It can be difficult to get money over the weekend and a business might understand if you discuss your financial troubles instead of missing a payment without notice.

You have other payday loan alternatives to consider

Frequently asked questions about Sunday payday loans

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