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.

DOWNLOAD OUR APP NOW!

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

Visa Cash Advance

What to Understand about Visa Cash Advance

Taking a cash advance with your Visa card is easy; however, it entails very high finance charges and interest rates. It can be ideal during emergencies, because it is as easy as withdrawing money from an ATM machine. But, you should be aware that the charges for this kind of short-term loan are not very budget-friendly. A visa cash advance has a preset limit, which may either be the same as or a percentage of your credit card’s assigned credit limit. It is treated like any expense paid by your card, it is deducted from your available balance. However, unlike using your card to pay merchants for their products or services, a cash advance has additional fees associated with it.
Depending on your issuing bank’s specific regulations, you will pay an additional percentage for your borrowed cash, on top of the actual amount of borrowed money. This may involve a cumulative interest that adds to your bill on a daily basis or a fixed interest rate and finance charge reflected on your account on a monthly basis. The maximum amount you can get depends on your total credit line, how much you have already used on your card and other terms coming from your issuing bank. In general, a one-time fee is charged for a cash advance, and, if you do not pay the amount back in full during the item’s grace period, the remaining amount is subject to high interest charges.

About Visa Cash Advance Regulations

Picture of Visa Cash Advance - Get Cash Instantly!All visa cash advance transactions, regardless of the issuing bank’s specific policies; generally have the same major regulations for the use of credit cards for cash advance purposes. Visa charges cash advance fees, finance charges and annual percentage rates (APRs), which might become a serious financial burden if you carry a balance on your account instead of paying it in full during its regular billing cycle. Make sure you study your card’s specific agreements and other account details to know your financial obligations when making cash advance. Take note of your available and outstanding balances, cash advance limit, finance charges, payment due dates, grace periods and APR.
In making a visa cash advance, you need to have your PIN available. This is initially provided by your card issuer. You can readily change your PIN according to your preferences by getting in touch with your financial institution. You can get your cash from almost any ATM machine with a Visa logo. You get your cash similar to any ATM withdrawal, and then you are billed directly on your credit card. As a rule, using your credit card to obtain a cash advance is a bad idea. As stated before, it seems like it should be the same as using your credit card to make purchases—but what people frequently don’t realize is that the rules for using your credit card to make purchases and the rules regarding cash advances are completely different, and not in your favor. You should be fully informed on the different procedures and regulations regarding cash advances before you even consider getting one.
Often your credit card company will send you “credit card checks” in the mail, offering them as an easy way to get your hands on big lump sum of money that you require to settle your debts. What people usually don’t know when they use these checks is that your credit card company will normally treat these “checks” as a cash advance, with all of the accompanying disadvantages. Clearly, any benefits of using a cash advance on your credit card are far outweighed by what it can cost you.