How It Works

PaydayLand.ca makes the lending process as quick and easy as possible. Please follow these easy steps:

Complete the online application form. PaydayLand.ca will match you with a lending partner to suit your cash advance needs.
A message will appear stating if your application was pre-approved by the appropriate loaning company.
Check your email for further instructions.
Once approved, your payday loan is directly deposited into your bank account.

Requirements for a payday loan
In order to proceed with a payday loan, you need to meet these minimum requirements:

Be at least 18 years of age or older
Be a Canadian citizen
Have a chequing account
Be employed, and receive your salary by direct deposit

PaydayLand.ca is not a lending or banking institution. The personal information you provide will be provided to a third-party lender to provide you with a loan application and the potential to receive a loan. PaydayLand.ca makes no guarantees or warranties with regards to the availability of a loan or any other aspect of the terms and conditions of the lending institution. PaydayLand.ca may receive a commission from any lenders we introduce you to. For details, questions, or concerns regarding your unsecured cash loan please contact the lending institution directly. Not all lenders can provide up to $1500. Cash transfer time may vary between lenders. We assume no responsibility for the services or information you may receive from the lender. All loans are subject to credit approval. Certain limitations apply. Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counselling or debt advice.

Disclaimer: As a condition of extending credit, some lenders you may be matched with may run a credit check from a major credit reporting bureau.Terms and Conditions apply. Fees displayed are typical but cannot be guaranteed. Your actual rates may vary based on your circumstances and the lender we select.

Alberta: Representative APR (Annual Percentage Rate of charge): Representative example: Borrow $300 for 14 days. The total charge for credit is $68.94. Interest is fixed at a rate of $22.98 per $100 loan equivalent to an annual rate of 599.12% fixed. The total repayable is $368.94. Representative APR 599.12%. The APR includes important factors such as the interest rate you must pay; how you repay the loan; the length of the loan agreement (or term); frequency and timing of installment payments; and amount of each payment.

Ontario: Representative APR (Annual Percentage Rate of charge): Representative example: Borrow $300 for 14 days. The total charge for credit is $62.94. Interest is fixed at a rate of $20.98 per $100 loan equivalent to an annual rate of 546.98% fixed. The total repayable is $362.94. Representative APR 599.12%. The APR includes important factors such as the interest rate you must pay; how you repay the loan; the length of the loan agreement (or term); frequency and timing of installment payments; and amount of each payment.

* Subject to approval times and lender's own policies. In most cases, funds will be deposited the same working day, if approved by 14:30. Approval may take up to 30 minutes in most cases. Loan amounts are based on consumers credit history and ability to repay loan. Not everyone will qualify.

How It Works

Online Applications

Features

Qualifications