Cost of Borrowing
British Columbia Resident Agreement

Maximum charges permitted in British Columbia for a payday loan:
15% of the principal
We charge: 15% of the principal

For a $300.00 loan for 14 days:
Total cost of borrowing = $45.00
Annual Percentage Rate = 391.07% per year.

This information meets the requirements of the Business Practices and Consumer Protection Act

British Columbia License Number: 82827

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Cost of Borrowing
Ontario Resident Agreement

Maximum charges permitted in Ontario for a payday loan:
15% of the principal
We charge: 15% of the principal

For a $300.00 loan for 14 days:
Total cost of borrowing = $45.00
Annual Percentage Rate = 391.07% per year.

This information meets the requirements of the Business Practices and Consumer Protection Act

Ontario License Number: 4741248

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Online Payday Loan Rates and Terms in Saskatchewan

$17 per $100

Example: For a $300 loan for 14 days
Principal Amount: $300 loan for 14 days
Total Cost of Borrowing: $51
Total to Pay: $351

"This information conforms to the requirements of The Payday Loans Act"

A Payday Loan is a High Cost Loans
A payday loan is a high cost loan. Payday loans are regulated by the Financial and Consumer Affairs Authority of Saskatchewan. For information relating to payday loans you can visit the FCAA website at https://fcaa.gov.sk.ca

Fees and Charges
The following are fees and charges applied on a payday loan:
Loan fee of 17% of the loan principal, payable on the loan repayment date.
NSF charge of $25. for a dishonoured cheque or pre-authorized debits dishonoured. Default interest of 30% per annum will be charged on the outstanding principal balance of the loan, if you fail to pay the loan in full on the loan repayment date.

Rights to cancel payday loan
The borrower shall have the right to cancel the payday loan, without reason or cost, at anytime before the end of the business day following the date that the payday loan agreement was entered into.

To cancel a payday loan agreement. the borrower shall:
  1. Give written notice of the cancellation to Swiftonlinecash.com by use of the Notice of Cancellation form. The cancellation notice must be delivered by email to support@swiftonlinecash.com
  2. Repay to Swiftonlinecash.com by payment method of e-transfer. the amount that was advanced to the borrower under the payday loan. The funds must be e-transferred to Swiftonlinecash.com at support@swiftonlinecash.com.
  3. On the cancellation of a payday loan agreement and receipt of loan repayment, Swiftonlinecash.com will immediatly provide the borrower with a Receipt of Cancellation form the loan agreement respecting the amount the borrower paid or returned to the payday lender on cancelling the payday loan agreement.

    The cancellation of a payday loan agreement extinguishes every liability and obligation of the borrower is under. or related to. the payday loan agreement.
Debt Counselling
If you feel you may benefit from confidential debt counselling. Credit Counselling Canada can be reached by calling toll-free at 1-888-527-8999; by fax at 1-888-520-8008; by e-mail at info@nomoredebts.org or by mail at Suite 124A 1621 Albert Street Regina SK S4R 8G9. You can also visit their website for further information at www.CreditCounsellingCanada.ca.

Forms
Cancellation Receipt Forms

Credit Counselling
Credit Counselling Information

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Maximum charges permitted in Alberta for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%


in Edmonton, Calgary, Red Deer, Lethbridge, Fort McMurray, Medicine Hat, Grande Prairie, Airdrie, Spruce Grove, Lloydminster, Leduc, Okotoks, Cochrane, Fort Saskatchewan, Chestermere, Camrose, Beaumont, Stony Plain, Sylvan Lake, Brooks, Strathmore, High River, Wetaskiwin, Lacombe, Canmore, Morinville, Whitecourt, Hinton, Olds, Blackfalds, Taber, Coaldale, Edson, Banff, Grand Centre, Innisfail, Ponoka, Drayton Valley, Cold Lake, Devon, Drumheller, Rocky Mountain House, Slave Lake, Wainwright, Stettler, St. Paul, Redcliff, Vegreville, Didsbury, Bonnyville, Langdon, Westlock, Barrhead, Jasper, Peace River, Vermilion, Raymond, Pincher Creek, Claresholm, Grande Cache, Cardston, Penhold, Carstairs, Three Hills, Crossfield, High Level, Fort Macleod, Gibbons, Coalhurst, Grimshaw, Fairview, Black Diamond, Sexsmith, Hanna, Beaverlodge, Lac la Biche, High Prairie, Turner Valley, Magrath, Rimbey, Heritage Pointe, Nanton, Provost, Clairmont, Millet, Sundre, La Crète, Tofield, Calmar, Bow Island, Fox Creek, Picture Butte, Vulcan, Redwater, Blairmore, Bon Accord, Wembley, Springbrook, Lancaster Park, Coleman, Elk Point, Valleyview, Westlake, Lamont, Nobleford, Swan Hills, Athabasca, Bowden, Vauxhall, Mayerthorpe, Alberta Beach - Val Quentin, Two Hills, Bassano, Irricana, Legal, Eckville, Manning, Trochu, Viking, Falher, Bentley, Duchess, Wood Buffalo

24 Hour Payday Loans Edmonton

Canada’s most accessible loans

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Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
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Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
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Edmonton

Your Personal Payday Loan Solution

Swift Online Cash is quickly climbing the ranks as Canada’s number 1 alternative payday lender. And Edmonton knows why! Sky-high dental bills, emergency car repair, a veterinary bill that can’t wait until next pay; there are so many reasons why Edmonton residents need access to some quick funds. And when these financial strains arise, the stress levels rise, and it seems like time slips by way too quickly. In these situations, every minute becomes an important one. Which is why Swift Online Cash is proud to be able to offer Edmonton, and all of Alberta, fast, real-time solutions for cash advances and payday loans.

Swift Online Cash has developed an innovative, online payday loan process that allows Edmonton residents to apply, get approved, and receive their funds, all in the same day. Our application process is completed 100% online, and can be accessed 24 hours a day, 7 days a week. And, with our revolutionary algorithms, most Edmontonians will receive a response to their payday loan or cash advance application within a few short minutes. Swift Online Cash has made getting access to emergency funds, quick, painless and convenient!

But being fast is only one part of the equation! Developing the highest quality online product meant that Swift Online Cash couldn’t sacrifice safety for speed. We invested in the highest 256-bit encryption technology in order to keep Edmonton residents’ personal information safe and secure. We will also never sell or share your information with any third parties. Swift Online Cash is a direct lender which means that what Edmonton sees is what Edmonton gets!

Swift Online Cash has also put in place a very thorough Code of Conduct, which governs the employees as well as the business practices. We based our Code of Conduct off of the European model for lending, which focuses on responsible and ethical practices. Our aim is to provide honest, transparent and fair-lending practices to all of Edmonton, Calgary, and all other Alberta regions and cities. We have a team of highly-trained Customer Experience Advisors standing by, during Edmonton business hours, to answer any and all of your questions.

In order to be legally allowed to be a payday lender in Canada, a lender is obliged to be licensed. Swift Online Cash is fully licensed in Edmonton and is in full compliance with the Alberta government. Our Alberta payday loan license can be found on our home page for verification.

Swift Online Cash has developed an innovative, online payday loan process that allows Edmonton residents to apply, get approved, and receive their funds, all in the same day. Our 24 Hour Payday Loans in Edmonton process is completed 100% online, and can be accessed 24 hours a day, 7 days a week.

Some other Alberta cities where we provide loans are 

in Edmonton, Calgary, Red Deer, Lethbridge, Fort McMurray, Medicine Hat, Grande Prairie, Airdrie, Spruce Grove, Lloydminster, Leduc, Okotoks, Cochrane, Fort Saskatchewan, Chestermere, Camrose, Beaumont, Stony Plain, Sylvan Lake, Brooks, Strathmore, High River, Wetaskiwin, Lacombe, Canmore, Morinville, Whitecourt, Hinton, Olds, Blackfalds, Taber, Coaldale, Edson, Banff, Grand Centre, Innisfail, Ponoka, Drayton Valley, Cold Lake, Devon, Drumheller, Rocky Mountain House, Slave Lake, Wainwright, Stettler, St. Paul, Redcliff, Vegreville, Didsbury, Bonnyville, Langdon, Westlock, Barrhead, Jasper, Peace River, Vermilion, Raymond, Pincher Creek, Claresholm, Grande Cache, Cardston, Penhold, Carstairs, Three Hills, Crossfield, High Level, Fort Macleod, Gibbons, Coalhurst, Grimshaw, Fairview, Black Diamond, Sexsmith, Hanna, Beaverlodge, Lac la Biche, High Prairie, Turner Valley, Magrath, Rimbey, Heritage Pointe, Nanton, Provost, Clairmont, Millet, Sundre, La Crète, Tofield, Calmar, Bow Island, Fox Creek, Picture Butte, Vulcan, Redwater, Blairmore, Bon Accord, Wembley, Springbrook, Lancaster Park, Coleman, Elk Point, Valleyview, Westlake, Lamont, Nobleford, Swan Hills, Athabasca, Bowden, Vauxhall, Mayerthorpe, Alberta Beach - Val Quentin, Two Hills, Bassano, Irricana, Legal, Eckville, Manning, Trochu, Viking, Falher, Bentley, Duchess, Wood Buffalo

WHAT'S THE BEST LOAN FOR YOU?

Everyone’s financial challenges are a little unique to them. Including yours!.

CONSIDER YOUR OPTIONS

There are a lot of borrowing options out there. Don’t hesitate to ask important questions. You have to find out how reliable a lender is going to be. Choose a company with which you feel comfortable and confident.

WHAT CAN YOU REALLY AFFORD?

A loan can be a big help in times of trouble. But overextending yourself can actually make things worse. Don’t bite off more than you can chew. Make sure your loan is an amount you’ll be able to repay.

UNDERSTAND YOUR FEE OBLIGATIONS

Not every lender out there is as transparent as Swift Online Cash. Some have hidden fees. Some will even apply a surcharge for early repayment! Make sure you understand your fee obligations before you sign for your loan.

OPT FOR FLEXIBILITY

The arrangement that best suits you is the one closest tailored to your specific situation. That requires flexibility in the borrowing agreement. Can you repay in multiple installments? Are there additional charges hidden in the agreement? Will you get dinged for an early repayment?

OPT FOR TRANSPARENCY

Conscientious and responsible lenders are transparent about their agreements, conditions, limits and fees. Before you take a loan with any company, makes sure they provide all the relevant information in a clear and easy to understand way.

WATCH OUT FOR FRAUD

Not all online lenders are completely ethical or even honest. In their way, it is buyer beware. Don’t fall victim to the scammer’s trap.



Best things about living in Edmonton, AB:

No Credit Check | High Approvals

Get Up To $1,500 From a Safe Trusted Licensed Lender. Easy Application. Multiple Repayments, FAST e-Transfer.

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Maximum charges permitted in British Columbia for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%

Swift Online Cash, proudly canadian owned and operated, offers personalized payday loans and fast cash advances to thousands of Canadians in Brittish Columbia (Vancouver, Surrey , Burnaby and others), in Alberta ( Calgary , Edmonton , Lethbridge , Red Deer , Wood Buffalo , Medicine Hat , Airdrie , and others), in Saskatchewan ( Saskatoon , Regina and others), in Ontario ( Payday Loans Toronto , Ottawa , Mississauga , Brampton , Hamilton , Markham , Niagara Falls and others), in Nova Scotia ( Halifax , Cape Breton , Dartmouth , Truro , Sydney and others) as well as in Manitoba ( Winnipeg , Dauphin , Morden , Portage La Prairie , Selkirk , The Pas , Winkler , Brandon , Steinbach , Thompson and others). Easy online payday loans in Canada, Same day fast cash Ontario, Online loans British Colombia, Get cash money in Alberta, Payday loan Saskatchewan.

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