Mr. Payday is a licensed Canadian direct lender serving British Columbia, Alberta and Ontario. Borrow up to $1,500, estimate the cost first, and complete your application online.
* Eligible approved applicants may receive funds in as little as 30 minutes. Timing depends on verification, approval, banking and e‑Transfer availability and is not guaranteed.
The online process is designed to make the important information visible early: estimated cost, eligibility basics, verification steps and the loan agreement you review before accepting.
Use the estimator to see the borrowing cost and estimated repayment before starting your application.
Complete the secure online application and provide the information needed to verify identity, income and banking.
If approved, review your agreement carefully. Eligible applicants may receive funds by e‑Transfer, subject to timing and banking conditions.
A payday loan is a short-term, high-cost credit product. Mr. Payday puts licensing, pricing and borrower information where you can see it before continuing to the application.
Mr. Payday evaluates and funds its own approved loans. Your application is not submitted to a marketplace of payday lenders.
Loan examples and the estimator make the cost understandable before the application starts.
Apply online from your phone or computer. Verification and approval requirements are explained as you move through the application.
Current provincial rules cap the borrowing cost at the equivalent of $14 per $100 in the provinces Mr. Payday serves. Your agreement must provide the exact cost and repayment terms.
Eligibility depends on your province, income, banking information and Mr. Payday’s underwriting requirements. Approval is not guaranteed.
Choose your province for local licence information, borrowing-cost rules, repayment requirements, borrower rights, examples and answers specific to where you live.
14% maximum charge, province-specific borrower protections and BC licence information presented before the application.
Explore BC payday loans →Current $14 per $100 maximum fee, Alberta repayment rules and local eligibility information in one focused page.
Explore Alberta payday loans →Current $14 per $100 maximum cost, required disclosures and Ontario borrower-rights information with clear examples.
Explore Ontario payday loans →Before borrowing, compare lower-cost options when they are available. Payday loans can help with short-term cash needs, but they are expensive compared with many other forms of credit. Review the full repayment amount and consider lower-cost alternatives when available.
A direct lender evaluates and funds its own loans. A broker or lead generator may send your details to other companies. Mr. Payday is a direct lender, so you know which company receives your application and, if approved, provides the loan.
| What matters | Mr. Payday | Broker / lead site |
|---|---|---|
| Funds its own approved loans | Yes | Usually no |
| Province licence shown clearly | Yes | Varies |
| Application hand-off | No broker hand-off | May be shared |
The current maximum cost is $14 per $100 borrowed in British Columbia, Alberta and Ontario. In BC, the regulation expresses this as 14% of principal. Your loan agreement must show the actual total cost before you accept it.
Eligible approved applicants may receive funds in as little as 30 minutes. Actual timing depends on verification, approval, your bank, e‑Transfer availability and business hours. Funding time is not guaranteed.
You may apply even if your credit history is not perfect. Eligibility is based on multiple factors, including income, banking and underwriting requirements. Approval is not guaranteed, and any credit-verification step should be disclosed before consent.
Provincial payday-loan rules include early-repayment protections. The exact rights that apply should be explained on your province page and in your agreement.
Cancellation rights vary by province and are time-sensitive. The redesigned borrower-rights page should give the current rule for each province and link to the applicable government source.
No. The site should consistently identify Mr. Payday as a direct lender, with licence numbers and legal entity information shown on relevant province and application pages.
Use these guides to understand payday-loan costs, online verification, borrower rights, credit questions and safer borrowing decisions. Articles will include sources and visible update dates.
Explain what is accessed, what is not accessed, and how banking information is protected.
Read guide →Answer why APR looks high on a short-term loan and show the actual dollar cost beside it.
Read guide →Compare key payday-loan rules in British Columbia, Alberta and Ontario and follow links to detailed provincial guidance.
Read guide →Start with the amount you need and review the estimated repayment before continuing.