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Cash Advance Loans

$100-$1500

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Overview

A Cash Advance Loan is a quick and convenient short-term option. The loan is paid back in one payment, including fees, on your next payday.

This option also includes Extended Payment Plans to borrowers who enter into three Cash Advance loans within a 63-day period.

Term Up to 62 days (or greater under an Extended Payment Plan)
Payments Your total amount borrowed plus fees are due in full on your next payday
Disbursement In Store
Payment Methods Cash in Store, Debit Card in Store, Direct payment from account

Details

Disbursement Increments $10
Interest/Fees $15 per $100 borrowed
NSF Fee $40
Late Fee None except for interest on overdue amounts
Loan Protection Insurance No
Post Due Date Interest Assessment 46.96% interest applies to all payments that are not paid when due
Number of Loans Per Borrowers One loan per customer-either Cash Advance or Installment. Full payoff of an outstanding Cash Advance or Installment Loan is required prior to applying for a Cash Advance Loan

Customer Requirements

Minimum Borrower Age 18 years of age or older
Residential Restrictions Must be a resident of Ontario
Payroll Types Direct Deposit and Paper Cheque
Income Types Employment, Canadian Pension Plan and Old Age Security, Pension, ODSP, Self-Employed, Child Tax Benefit (CTB), Employment Insurance, Workplace Safety and Insurance Board (WSIB)

How our process works

  • Select a store closest to you
  • Determine which loan is right for you
  • Start your application online
  • You’ll be contacted to book an appointment at your store
  • Complete your application in store and receive your funds if your application is approved

Cash Advance Documentation Checklist

Please remember to bring the following with you when you visit one of our stores:

Identification required – one of the following Driver’s License, Passport, Province issued Photo ID Card, Military ID, Native Status Card, Permanent Resident Card, Nexus Card, Health Card
Income Verification

Employment: Most recent Paystub
CPP - Pension: Bank Statement
ODSP: Most recent ODSP Stub
CTB: Notice of assessment
EI: Weeks of entitlement

Banking Verification Bank statements with 60 days activity for new customers; 30 days for existing customers
Proof of mailing address Any Government issue id, paystub or a bank statement showing the address.
Voided Cheque/PAD Authorization Voided cheque or pre-authorized debit (PAD) form
References One reference (first name, last name, phone number and relationship)

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Consumer Notice: Cash Advance Loans are intended to address short-term financial needs only. The cost of borrowing for a Cash Advance Loan may be significantly higher than credit offered by other lenders. Consumers with credit difficulties should seek credit counseling.

In Ontario, the maximum allowable cost of borrowing under Cash Advance loans (payday loans) is $15 for each $100 advanced. The actual cost of borrowing for each $100 we advance under such agreements is $15. For example, on a loan of $500 for 14 days, the amount advanced is $500, the cost of borrowing is $75, the total the borrower is required to pay on the due date is $575, and the annual percentage rate is 391.07%.

For Installment Loans, we charge an annual interest rate of 46.96%.