{"id":838735,"date":"2020-03-26T13:39:15","date_gmt":"2020-03-26T17:39:15","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=838735"},"modified":"2026-08-14T11:25:58","modified_gmt":"2026-08-14T15:25:58","slug":"mycanadapayday-com-payday-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/payday-loans\/mycanadapayday-com-payday-loans","title":{"rendered":"My Canada Payday review: 24\/7 payday lender"},"content":{"rendered":"<h3>What is My Canada Payday?<\/h3><p>My Canada Payday is an online payday lender that offers payday loans in Alberta, BC, Manitoba, Nova Scotia, Ontario and Saskatchewan. The loan application process is completely online, and My Canada Payday approves and funds loans 24\/7.<\/p><p>You can borrow up to $1,500 and access your loan amount within 15 minutes with funds sent out via Interac e-Transfer. My Canada Payday may also allow you to extend your repayment date to your next-but-one payday, giving you extra time to pay back what you borrow.<\/p><h3>Is My Canada Payday legit?<\/h3><p>My Canada Payday is a 100% Canadian-owned company, established in 2010 and operated by Westrock Financial Ltd. It is licensed in every province it operates in and prominently lists its payday lending licence numbers on its website.<\/p><p>Its licence numbers are:<\/p><ul><li>BC: 52546<\/li><li>Alberta: 342618<\/li><li>Ontario: 4721539<\/li><li>Saskatchewan: 511325<\/li><li>Manitoba: 67816<\/li><li>Nova Scotia: 241843061<\/li><\/ul><p><em>As of August 14, 2026<\/em><\/p><p>Westrock Financial Ltd. is Better Business Bureau (BBB) accredited with an A+ rating. My Canada Payday is also a member of the Canadian Consumer Finance Association (CCFA).<\/p><h3>My Canada Payday loan features<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Loan amount<\/td><td>Up to $1,500<\/td><\/tr><tr><td>Loan term<\/td><td>Up to 62 days<\/td><\/tr><tr><td>Serviced provinces<\/td><td>Alberta, BC, Manitoba, Nova Scotia, Ontario and Saskatchewan<\/td><\/tr><tr><td>Interest rate<\/td><td>$14 for every $100 borrowed<\/td><\/tr><tr><td>Repayments<\/td><td>Make 1 to 3 payments depending on your province<\/td><\/tr><tr><td>Fees<\/td><td>If you default on your loan, you may be charged NSF fees and penalty interest<\/td><\/tr><tr><td>Basic eligibility requirements<\/td><td>Minimum income of $1,000 per month<\/td><\/tr><tr><td>Types of income it accepts<\/td><td>Full-time and part-time employment, disability, pensions and child tax benefits<\/td><\/tr><\/tbody><\/table><h3>What we like about My Canada Payday loans<\/h3><p>Payday loans are useful when you need an emergency injection of cash. Here\u2019s a look at some of the key features of a My Canada Payday loan:<\/p><ul class=\"list-1\"><li><strong>Easy application.<\/strong> It takes less than five minutes to apply for a payday loan on the My Canada Payday website. You also won\u2019t need to visit a physical location or storefront to verify your identity or receive your money.<\/li><li><strong>Anyone can apply.<\/strong> Whether you have bad credit or no credit history at all, My Canada Payday encourages everyone who is interested to apply for a loan.<\/li><li><strong>24\/7 approval and funding.<\/strong> You can apply, get approved and get funded 24 hours a day.<\/li><li><strong>Fast approval.<\/strong> You should get your money through an e-Transfer within 15 minutes after being approved for your loan.<\/li><li><strong>Unsecured loans.<\/strong> You won\u2019t have to secure your loan against any assets like your home or vehicle.<\/li><li><strong>No fee for early repayment.<\/strong> There\u2019s no fee to repay your loan early if you come into additional funds before your payment due date.<\/li><li><strong>Extended repayment.<\/strong> You may be able to extend your repayment date to your next-but-one payday instead of your next payday.<\/li><\/ul><h3>What to watch out for<\/h3><p>Payday loans come with major red flags, from steep fees to short repayment terms. Here\u2019s what to be cautious about before signing up for a loan from My Canada Payday:<\/p><ul class=\"list-12\"><li><strong>Very high fees.<\/strong> The biggest drawback of a My Canada Payday loan, and payday loans overall, is the fee you\u2019ll incur to borrow money. The borrowing cost is $14 for every $100 borrowed.<\/li><li><strong>Short repayment terms.<\/strong> The maximum term of a payday loan is 62 days, so you only have a very short period of time to pay back what you borrow.<\/li><li><strong>Low maximum borrowing amount.<\/strong> You can only borrow up to $1,500 or 50% of your paycheque (30% in Manitoba), whichever is less.<\/li><li><strong>Self-employment income does not qualify.<\/strong> My Canada Payday does not accept self-employment income.<\/li><li><strong>Automatic withdrawals.<\/strong> Your payments will be taken automatically from your bank account, which means you have to budget accordingly to avoid late charges.<\/li><li><strong>Only available in some provinces.<\/strong> My Canada Payday only services Alberta, BC, Manitoba, Nova Scotia, Ontario and Saskatchewan.<\/li><li><strong>Late fee.<\/strong> If you do not repay your loan by the due date, you may be charged an NSF fee as well as penalty interest.<\/li><\/ul><div class=\"box\">\r\n  <h5 class=\"box-title\" id=\"financial-hardship\">\u26a0\ufe0f  Warning: Be cautious with payday loans<\/h5>\n<span style=\"font-size: 11pt\">High-cost payday loans are unsustainable for long-term use, with up to $14 charged per $100 borrowed. If you're experiencing financial hardship, call <a href=\"https:\/\/nomoredebts.org\">Credit Counselling Society<\/a> for free financial counselling (Mon\u2013Fri, 8am\u20135pm at 1-888-527-8999). Also consider <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\" target=\"_blank\" rel=\"noopener\">payday loan alternatives<\/a>.<\/span>\r\n<\/div><h3 id=\"alternatives\">Alternative: Cash advances<\/h3>\nCash advances can be much cheaper, with APRs as low as 0% and flexible repayment terms. 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0 0 0-.047.047c.005.215.058.432.18.61.262.385.697.368.88-.075.13-.318.063-.762-.153-1.027m1.722-.242c-.176-.217-.443-.306-.665-.118a.046.046 0 0 0-.002.068.3.3 0 0 1 .09.135.28.28 0 0 1-.283.36.047.047 0 0 0-.048.048c.006.214.058.43.18.61.263.384.698.367.88-.076.131-.318.063-.761-.152-1.027\"><\/path><\/g><defs><radialgradient id=\"tpc-top-picks-0000000000\" cx=\"0\" cy=\"0\" r=\"1\" gradienttransform=\"rotate(187.994 21.05 10.723)scale(4.25594 5.99724)\" gradientunits=\"userSpaceOnUse\"><stop offset=\".4\" stop-color=\"#edeef8\"><\/stop><stop offset=\".45\" stop-color=\"#f5f2e1\"><\/stop><stop offset=\".5\" stop-color=\"#f9cbd3\"><\/stop><stop offset=\".6\" stop-color=\"#dcecf6\"><\/stop><stop offset=\".7\" stop-color=\"#cac5fe\"><\/stop><stop offset=\".9\" stop-color=\"#cbe9f3\"><\/stop><stop offset=\"1\" stop-color=\"#f9e9d0\"><\/stop><\/radialgradient><lineargradient id=\"tpb-top-picks-0000000000\" x1=\"25.202\" x2=\"36.743\" y1=\"2.566\" y2=\"9.19\" gradientunits=\"userSpaceOnUse\"><stop offset=\".18\" stop-color=\"#ffd23b\"><\/stop><stop offset=\".24\" stop-color=\"#ffd835\"><\/stop><stop offset=\".29\" stop-color=\"#feda3d\"><\/stop><stop offset=\".36\" stop-color=\"#fee053\"><\/stop><stop offset=\".45\" stop-color=\"#feea77\"><\/stop><stop offset=\".55\" stop-color=\"#fdf7a9\"><\/stop><stop offset=\".6\" stop-color=\"#fdffc4\"><\/stop><stop offset=\".62\" stop-color=\"#fdf8ac\"><\/stop><stop offset=\".65\" stop-color=\"#fdee88\"><\/stop><stop offset=\".68\" stop-color=\"#fee669\"><\/stop><stop offset=\".71\" stop-color=\"#fee052\"><\/stop><stop offset=\".75\" stop-color=\"#fedb41\"><\/stop><stop offset=\".79\" stop-color=\"#fed838\"><\/stop><stop offset=\".84\" stop-color=\"#ffd835\"><\/stop><stop offset=\".9\" stop-color=\"#ffd23b\"><\/stop><\/lineargradient><clippath id=\"tpa-top-picks-0000000000\"><rect width=\"40\" height=\"25.225\" y=\"5.567\" fill=\"#fff\" rx=\"1.616\" transform=\"rotate(-8 0 5.567)\"><\/rect><\/clippath><\/defs><\/symbol><\/defs><\/svg>\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFPL-CAA\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-provider-id=\"e32c50f7-c28d-4e2e-b914-e27d6a80ac43\" data-product-name=\"KOHO Cover\" data-provider-name=\"KOHO\" data-rewards-campaign-name=\"koho|cover|sep-2026~cafpl\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Instant Transfers<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\" class=\"topPicks__productName\">KOHO Cover<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" class=\"topPicks__image\" alt=\"KOHO logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/finder-x-koho-cover-promotion\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$75<\/text><\/svg><span>$75 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%22f256ae15-efed-4744-b404-5007adc7d719%22%2C%22product_name%22%3A%22KOHO%2BCover%22%2C%22provider_id%22%3A%22e32c50f7-c28d-4e2e-b914-e27d6a80ac43%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2224890%22%2C%22post_id%22%3A%22838735%22%2C%22post_path%22%3A%22payday-loans%252Fmycanadapayday-com-payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-koho-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest is charged to access a cash advance, however a fee is charged monthly (from as little as $2.00\/month). Interest rates displayed are Annual Percentage Rates (APRs) and are provided by our lending partners or obtained on the brand's website. The rates are not guaranteed and should be used for general information purposes only. Interest rates will depend on your location, the lender\u2019s assessment of your credit profile and other circumstances. All loan applications are subject to the lender\u2019s credit criteria, approval and terms and conditions.\" title=\"\" data-original-title=\"\"><\/span> + monthly fee from $2<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $20 \u2013 $500<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Flexible terms<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">High Maximum Limit<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/bree-review\" class=\"topPicks__productName\">Bree Early Pay<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" class=\"topPicks__image\" alt=\"Bree logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22provider_id%22%3A%224e4ab891-7bbb-4486-ab5c-34b55900e6c3%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2223342%22%2C%22post_id%22%3A%22838735%22%2C%22post_path%22%3A%22payday-loans%252Fmycanadapayday-com-payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional transfer fee of   to access instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $20 \u2013 $750<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Repay within 90 days<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Builds Credit<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review\" class=\"topPicks__productName\">Nyble Credit Line<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" class=\"topPicks__image\" alt=\"Nyble logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22provider_id%22%3A%22ebeeeb79-83ef-4800-894b-85bc38778e7c%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2223215%22%2C%22post_id%22%3A%22838735%22%2C%22post_path%22%3A%22payday-loans%252Fmycanadapayday-com-payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional $11.99\/month fee for membership to get premium services such as instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $30 \u2013 $250<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Repay within 31 days, extendable<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<h3>Summary of My Canada Payday reviews<\/h3><p>My Canada Payday\u2019s parent company, Westrock Financial Ltd. has an A+ rating from the Better Business Bureau and has generally received good reviews from customers. Positive reviews mention prompt and helpful customer service, fast loan funding and an easy application process. However, those who left negative ratings complained about the amount of information you need to provide to apply and about having their loan applications rejected.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>BBB accredited<\/td><td>Yes<\/td><\/tr><tr><td>BBB rating<\/td><td>A+<\/td><\/tr><tr><td>BBB customer reviews<\/td><td>My Canada Payday reviews are not available<\/td><\/tr><tr><td>Trustpilot customer reviews<\/td><td>4.5\/5 based on 1,100+ reviews<\/td><\/tr><\/tbody><\/table><p><em>Customer reviews verified as of August 14, 2025.<\/em><\/p><h3>Am I eligible for a My Canada Payday loan?<\/h3><p>To be eligible for a My Canada Payday Loan, you need to:<\/p><ul><li>Be a Canadian resident.<\/li><li>Be the age of majority in your province.<\/li><li>Receive a steady income of at least $1,000 a month paid by direct deposit or cheque. You will need to provide proof of your income by submitting screen captures of your web banking activity showing 180 days of banking history.<\/li><li>Have a valid home address, phone number and email address.<\/li><\/ul><h3>What documents do I need to apply?<\/h3><p>When you\u2019re applying for a My Canada Payday loan, you\u2019ll need the following:<\/p><ul><li><strong>Proof of your identity.<\/strong> You can prove your identity with your driver\u2019s licence, passport, health card or citizenship card.<\/li><li><strong>Proof of income.<\/strong> You will need to provide proof of income by submitting screenshots of your web banking showing 180 days of banking history. You can also provide pay stubs or your income tax statement.<\/li><li><strong>Proof of address.<\/strong> You may also be asked to provide proof of address via a void cheque, a recent utility bill or other official mail.<\/li><\/ul><h3>How do I apply for a My Canada Payday loan?<\/h3><p>If you\u2019re ready to apply for a My Canada Payday loan, follow these steps:<\/p><h4>1. Visit the website.<\/h4><p>Head to the My Canada Payday homepage to start your application. Select <strong>Apply Now<\/strong> and choose your province from the drop-down menu.<\/p><h4>2. Start your loan application.<\/h4><p>Provide your email address, full name, date of birth, social insurance number, driver\u2019s licence, home address, home phone number, employment status and income as well as details of your last payday and next payday. You\u2019ll also need to list how much you\u2019d like to borrow. Agree to the terms and conditions and select <strong>Apply<\/strong> to submit your application.<\/p><h4>3. Get approved.<\/h4><p>Once your application is submitted, My Canada Payday will let you know in an email if your loan request is accepted or denied. If you\u2019re accepted, you will be given a link to download your loan agreement contract, which you can review and sign electronically.<\/p><h4>4. Get your money.<\/h4><p>Once you\u2019ve signed off on your loan, My Canada Payday will send your funds within 15 minutes via Interac e-Transfer.<\/p><h4>5. Repay your loan.<\/h4><p>On your next payday, My Canada Payday will take a payment for the amount of your loan plus the borrowing fee directly from your bank account. Contact My Canada Payday over the phone, email or live chat if you have any questions.<\/p><h3>I got a My Canada Payday loan. Now what?<\/h3><p>With a speedy application process and an even faster turnaround time for sending over your funds, you need to keep an eye on your due date for your loan repayment, which will creep up on you quickly.<\/p><p>Payday loans are usually repaid by your next payday, so you need to have a concrete plan for repaying what you\u2019ve borrowed within that small window of time. My Canada Payday will withdraw cash directly from your bank account, so make sure the funds are there on your due date. If you don\u2019t, you\u2019ll incur even more charges and fees on the cash you\u2019ve borrowed, including non-sufficient funds charges and penalty interest fees.<\/p><p>If you need help, you can contact My Canada Payday via email, live chat or over the phone.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Can I qualify for a payday loan if I'm unemployed but receiving other forms of income?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, My Canada Payday accepts applications from people receiving CCB, disability and pensions.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">How long does My Canada Payday take?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It's possible to get a payday loan from My Canada Payday in less than an hour. You can fill out an application form online in a matter of minutes, and the lender analyzes and approves applications 24 hours a day. If approved, funds will be sent to you via e-Transfer within 15 minutes.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I get a My Canada Payday loan with bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. Bad credit won't stop you from qualifying for a My Canada Payday loan. Rather than focusing on your credit score, the lender will assess your income to determine if you can afford to repay the loan.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_1774177158\" data-toggle=\"collapse\" data-target=\"#sources_1774177158\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_1774177158\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/canadiancfa.com\/ccfa-members\/&lt;\/p&gt;\" target=\"_blank\">Canadian Consumer Finance Association Members<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Borrow up to $1,500 online and get your money within minutes with this online payday lender.<\/p>\n","protected":false},"author":516,"featured_media":1057480,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"MyCanadaPayday.com","_yoast_wpseo_title":"My Canada Payday Review: Fees & Features | Finder Canada","_yoast_wpseo_metadesc":"My Canada Payday is a 24\/7 online payday lender. 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