Speedy Cash

Online Payday Loans in Canada up to $1,500

Online Payday Loans in Canada: Borrow Up to $1,500

A payday loan is a short-term loan you repay on your next paycheque. Speedy Cash gives you a simple way to apply online and get cash for an unexpected bill. You can borrow from $100 to $1,500, and the amount you qualify for is based on your own details, not where you live. Once approved, most customers receive their money the same day, usually within an hour with email money transfer or instant debit card funding.

Borrow Up to $1,500 With Our Online Payday Loans in Canada

Speedy Cash offers online payday loans in eight provinces: British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia, and Newfoundland and Labrador. Your loan amount of $100 to $1,500 depends on your income and the details you share on your application. Every fee is explained up front, so there are no hidden costs.

Types of Payday Loans We Offer Across Canada

Speedy Cash offers payday loans for a range of needs. Each option below is a payday loan built for a specific situation.

How Do Payday Loans Work?

A payday loan gives you fast access to cash for a short time. You apply, receive a loan decision, and repay the loan in full on your next paycheque. In Alberta, you repay through a scheduled payment plan. You do not need to put up any collateral.

No Credit Check for Online Payday Loans

Speedy Cash Canada does not run a credit score check. The review looks at your income, banking history, and ability to repay. Our payday loans are designed for people with less than perfect credit, so a low credit score does not rule you out.

Income Sources We Accept

You do not need a traditional job to qualify. Speedy Cash accepts many types of steady income paid by direct deposit, including:

Employment income
Employment Insurance (EI)
Canada Pension Plan (CPP) and Old Age Security (OAS)
Private pension income
Canada Child Benefit (CCB)
Disability income, such as CPP-D or ODSP

Where Can You Get a Payday Loan With Speedy Cash?

You can apply online or visit a store. Speedy Cash has stores in Alberta, British Columbia, Saskatchewan, and Nova Scotia. In Manitoba, New Brunswick, Newfoundland and Labrador, and Ontario, you apply online. Find your nearest store with the Speedy Cash store locator.

Fees and Terms

The most you pay for a payday loan is 14% of the amount you borrow. That works out to $14 for every $100. For example, a $300 loan for 14 days costs $42 to borrow, for a total payback of $342 and an APR of 365.00%. Every cost is shown before you agree, so there are no hidden fees.

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How to Apply for a Payday Loan

Step 1: Start Your Application

Apply online in a few minutes, or visit a Speedy Cash store where one is open near you. You can start your online application any time of day. Approvals and funding happen during business hours.

To apply, you need to:

Be at least 18 years old (19 in some provinces)
Have a steady source of income
Have an active chequing account
Show valid government-issued ID

Step 3: Get Your Loan Decision

Speedy Cash reviews your details and gives you a loan decision fast.

Step 4: Get Your Cash

Once approved, most customers receive their money the same day, usually within an hour with email money transfer or instant debit card funding. Funding options are available to get you the cash within the hour after approval, and some customers get funded in as little as 30 minutes.

Instant Debit Card Funding is a funding option, not a loan. Availability is offered during business hours and varies based on your bank.

Repaying Your Payday Loan

Your payday loan is repaid in full on your next paycheque. In Alberta, you repay through a scheduled payment plan. Speedy Cash lines up your repayment with your pay date, and every cost is set out before you sign.

FAQs: Questions About Payday Loans

Find answers about loan amounts, terms, and who qualifies on the Speedy Cash FAQs page.

Why Canadians Choose Speedy Cash

Speedy Cash has served Canadians for over 20 years with online payday loans and friendly support. Customers rate Speedy Cash 4.5 out of 5 on Trustpilot from more than 11,000 reviews. Read more on the Speedy Cash customer reviews page.

Get a Payday Loan Today

Ready to apply? Borrow up to $1,500 online or in store with Speedy Cash. Start your Speedy Cash application and get the cash you need.

Borrow online or in store. Up to $1,500!