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Speedy Cash

How to Get an Online Payday Loan in Canada

Speedy Cash customer is happy to use the instant cash from her payday loan.

 

Need cash before your next paycheque? A Speedy Cash payday loan lets you apply online in minutes, get a fast decision, and receive funds by e-Transfer or instant debit card funding after approval. Timing and rules vary by province. Read the steps below, check what you need, and apply when you are ready. If you prefer in-person service, visit a store.

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What you need to apply 

Have a few basics ready. This helps speed things up.

  • Government photo ID
  • Active chequing account and a recent bank statement: see bank statement basics in our Wiki
  • Proof of income: see income verification in our Wiki
  • Proof of address

Pre-authorized debit form (PAD)
Learn more about the loan agreement and repayment before you sign.

How it works 

  1. Apply online. The form takes a few minutes.
  2. Submit documents: Upload or confirm details for income and banking.
  3. Review and sign: We show your costs, dates, and total amount due in your loan agreement.

Get funds: Choose e-Transfer to your bank account or Instant Debit Card Funding.

How fast can I get the money?

Many approved customers receive funds quickly. e-Transfer or instant debit card funding may arrive in as little as 30 minutes after approval, depending on your bank and province. In-store cash is also available at select locations. Timing depends on multiple factors. Learn about Instant Debit Card Funding.

Costs and responsibilities

Your costs are clear before you sign. Fees and terms are set by each province. As an example, a $300 loan for 14 days at $14 per $100 costs $42. Total repayment would be $342. Borrow only what you need, plan for the due date, and contact us early if something changes. See how repayment works.

Where we operate

You can apply online in most provinces. Service is available online and in-store in Alberta, British Columbia, Nova Scotia, and Saskatchewan. Online service is also available in Manitoba, New Brunswick, Newfoundland & Labrador, and Ontario. We do not lend in Quebec, Prince Edward Island, Yukon, the Northwest Territories, or Nunavut. Find your nearest store: Speedy Cash locations

Funding options

  • Instant Debit Card Funding: Fast access to money after approval, deposited to your debit card.

Interac e-Transfer: Sent to your email or phone, then deposited to your bank account.
Learn more: Instant Debit Card Funding and e-Transfer Payday Loans.

Who can Apply for an Online Payday Loan?

You may qualify for a loan with Speedy Cash if you:

  • Are 18 years or older
  • Are you a resident in an eligible province
  • Have a steady income (employment or government benefits)
  • Have a valid ID and an active bank account

Simple and Fast Online Application Process

Applying for an online payday loan from Speedy Cash is easy. Just follow these simple steps:

  1. Visit the borrow now page on our website.
  2. Choose the loan type you need.
  3. Fill out the online application form with your personal information and income details.
  4. Select your preferred method to receive funds.
  5. Submit your application and wait for quick approval.
  6. Once approved, receive your money fast, sometimes instantly!

The entire process can be done from your phone or computer.

Get started now. In store or online.

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Get started with your online application

If the costs and timing fit your budget, submit your application today. You will see your total to repay before you sign. Pick a funding option at checkout: Interac e-Transfer to your bank account or Instant Debit Card Funding for fast access after approval. Prefer in-person help? Visit a store, and our team can walk you through the steps. Service and rules vary by province.

Whatever your situation, Speedy Cash is here to help with respectful, reliable support.

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