{"id":3278,"date":"2026-09-16T16:20:47","date_gmt":"2026-09-16T21:20:47","guid":{"rendered":"https:\/\/www.speedycash.ca\/?post_type=wiki&#038;p=3278"},"modified":"2026-09-16T16:23:36","modified_gmt":"2026-09-16T21:23:36","slug":"pay-stub","status":"publish","type":"wiki","link":"https:\/\/www.speedycash.ca\/resources\/wiki\/pay-stub\/","title":{"rendered":"Pay Stub"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\" id=\"h-pay-stub\">Pay Stub<\/h1>\n\n\n\n<p>A <strong>pay stub<\/strong> is the record that comes with your paycheque. It shows your gross pay, the deductions your employer takes out, and your net pay. In Canada, common deductions include income tax, Canada Pension Plan contributions, and Employment Insurance premiums.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-a-pay-stub-shows\">What a Pay Stub Shows<\/h2>\n\n\n\n<p>Your pay stub breaks down each paycheque so you can see where your money goes. A typical pay stub lists:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gross pay, which is your <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/gross-income\/\">gross income<\/a> before any deductions.<\/li>\n\n\n\n<li>Income tax withheld and sent to the Canada Revenue Agency.<\/li>\n\n\n\n<li>Canada Pension Plan contributions and Employment Insurance premiums.<\/li>\n\n\n\n<li>Net pay, which is the <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/take-home-pay\/\">take-home pay<\/a> you actually receive.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-your-pay-stub-matters\">Why Your Pay Stub Matters<\/h2>\n\n\n\n<p>Your pay stub helps you budget and prove your income. Lenders, landlords, and government programs often ask for recent pay stubs. When you apply with Speedy Cash, proof of regular income supports <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/income-verification\/\">income verification<\/a> and confirms your ability to repay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pay-stubs-and-your-loan-application\">Pay Stubs and Your Loan Application<\/h2>\n\n\n\n<p>Speedy Cash does not run a traditional credit score check. The review focuses on your income, banking history, and ability to repay. Accepted income includes employment, Employment Insurance, the Canada Pension Plan, private pensions, the Canada Child Benefit, Old Age Security, and disability benefits. A recent pay stub or benefit statement helps show steady <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/earned-income\/\">earned income<\/a>. You can learn how payroll deductions work on the <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency.html\">Canada Revenue Agency<\/a> website.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-the-difference-between-gross-pay-and-net-pay\">What is the difference between gross pay and net pay?<\/h3>\n\n\n\n<p>Gross pay is your income before deductions. Net pay is what you take home after taxes and other deductions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-i-need-a-pay-stub-to-apply-for-a-payday-loan\">Do I need a pay stub to apply for a payday loan?<\/h3>\n\n\n\n<p>Speedy Cash accepts several forms of income proof. A recent pay stub is one common way to show steady income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-deductions-appear-on-a-canadian-pay-stub\">What deductions appear on a Canadian pay stub?<\/h3>\n\n\n\n<p>Common deductions include income tax, Canada Pension Plan contributions, and Employment Insurance premiums.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-summary\">Summary<\/h2>\n\n\n\n<p id=\"h-\">A pay stub gives you a clear record of your earnings and deductions, which helps with budgeting and applications. When you are ready to borrow, you can <a href=\"https:\/\/www.speedycash.ca\/borrow-now\/\">apply online with Speedy Cash<\/a>.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-3278","wiki","type-wiki","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is a Pay Stub? 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