GET UP TO $1,500! APPLY NOW!

GET CASH IN AS LITTLE AS 30 MINUTES*

When you are in need of quick cash, Mr. Payday has got you covered! We have been helping canadians with their short term loan needs since 2002.

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How Our Loan Process Works

Apply Online

Applying for a loan with Mr. Payday is easy and fast. Fill out our simple and secure application form.

Get Approved

It usually takes about 30 minutes to get approved for a payday loan during our business hours.

Instant Funding

Once your loan application is approved, you will receive an e-mail money transfer withing 30 minutes.

What Our Customers Have To Say

Excellent customer service
Excellent customer service
Customer
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Excellent customer service! Easy application and approval. Highly recommend.
Excellent service
Excellent service
Customer
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Excellent service. Pretty easy and quick!!
Fast
Fast
Kris D
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Fast, easy and no nonsense. Best loan experience of mine to date. Thanks for helping out Mr. PAYDAY.
Quick and easy service
Quick and easy service
Customer
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Quick and easy service! Would definitely recommend!
Customer service was quick and awesome…
Customer service was quick and awesome…
Customer
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Customer service was quick and awesome to deal with. There wasn’t the back and forth hassle, and everything was handled in a timely matter. Great job on efficiency, well done all. Thanks
Very accommodating and fast!!
Very accommodating and fast!!
Customer
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Very accommodating and fast!!! and super easy!
The agent I spoke to was patient and…
The agent I spoke to was patient and…
Customer
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The agent I spoke to was patient and made the whole process very easy.
I was impressed how quickly Payday…
I was impressed how quickly Payday…
Customer
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I was impressed how quickly Payday expedited the application and delivered on the loan. Barry Upshaw
I was impressed how quickly Payday…
I was impressed how quickly Payday…
Customer
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I was impressed how quickly Payday expedited the application and delivered on the loan. Barry Upshaw
Excellent service
Excellent service
Customer
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Excellent service. Fast and helpful. Easy to fill application. It was fast and easy
Very fast approval
Very fast approval
Andrew S.
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Very fast approval and very easy to deal with staff.
Easy to deal with super simple proccess
Easy to deal with super simple proccess
Levon James
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Easy to deal with super simple proccess
Super fast and friendly
Super fast and friendly
Cory Thompson
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Super fast and friendly. Exceeded my expectations.
Friendly and fast
Friendly and fast
Customer
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Mr. Payday was there for me when everyone else said no. From their pov I may be considered a risk. I'm grateful they reached out with an offer.
Was easy to fill in the application and…
Was easy to fill in the application and…
Marg
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Was easy to fill in the application and was quick to receive the funds.
Happy Customer!
Happy Customer!
Mark
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Been dealing with Mr. Payday for a couple years now. Always friendly service, quick, and well worth my time!
Easy
Easy
Customer
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Easy, fast and user friendly application process. Thank you Mr. Payday
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Why Get A Loan From Mr. Payday?

Trusted Lender

Mr. Payday has been in business since 2002

Same Day Funding

Do not wait. Get money the same day you get approved for a loan

Superb Service

We are here to help. Give us a call or send us an email

No Faxing Required

We use instant online validation. No faxing or emailing required

High Approval Rate

We have personalized approach to every loan application

Easy Application

Our online application only takes 5 minutes to complete

Personal Loan with Bad Credit

Steps to be followed to avoid taking personal loan with bad credit

When going through a financial crisis, most people would always seek for loans to raise enough cash. In such cases, you will need to either go for payday loans or normal loans from the banks and other financial institutions. Those going for normal loans are always asked to provide supporting evidence that will enable them get the loan. People who have bad credit score find it hard to acquire normal loans and the pay day loans; instead they have to go for the personal loan with bad credit from money lending companies. It is not always advisable to go for a loan just for the simple reason that you are running low on your credit. At times you may just want to get enough credit on your card and move on with life without being bothered with the loans. If this is the case and you need to have a stable credit then you may need to follow a few steps.

The first thing you need to do to avoid personal loan with bad credit is to have a long term money management plan. This will need you to take into consideration a few factors. For instance, you need to ascertain your monthly expenses in relation to your monthly income. You will also need to draw a monthly budget bearing in mind all the important expenses and bills that you need to cater for within the month. Having a full fledged monthly budget will enable you have a good financial plan that will enable you avoid going for loans.

Picture of Personal Loan with Bad Credit - Easy, Safe and Secure!One way of avoiding loans is ensuring that you make your payments in cash. Most people land in financial problems because they do their shopping either on credit or they just like borrowing cash even at times when they really don’t need it. If you would wish to avoid going for personal loan with bad credit month after month then you need to develop a culture where by you can pay-off your bills on cash basis. This avoids accumulation of debts and eventually sets you free from financial constraints.

Most people find themselves in situations where they are financially constrained because they avoid paying their credits for a long time. If you wish to avoid accumulations of debits then you need to pay for them as soon as they accrue. If you have a long list of outstanding debts then you need to come up with a long term plan of clearing them. You could start with ones which have stayed for so long. Doing this will eventually help you rest the burden of borrowing loans for financial sustainability.

Tips to be followed when you wish to avoid taking personal loan with bad credit

1. Seeking for financial reports on your credit worthiness. Ensure that you request for your financial reports twice per year. This will enable you gauge how much cash you require at a given time.

2. Seeking for secured loans to cater for your secured credit. This implies that you will always need to get a certain loan that only helps you get back to stable financial position. This needs you to go for a secured loan so that you can have constant cash flow on your account and at the same time maintain a constant cash outflow.

3.  It is also advisable to go for small loans that can be repaid within a short time. Going for such kind of loans will yield enough cash to sustain you yet avoid draining your credit card worthiness.

4. You should also find time and read more about financial management. This will give you tips on how to effectively manage your cash and invest rather than borrow.