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 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%


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SAME DAY PAYDAY LOANS

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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SAME DAY PAYDAY LOANS


Get up to $1,500. Low Rates. 5 minutes e-transfer


We’ve all been there – bills are piling up, unexpected expenses pop up on Friday night, your paycheck is still days or even weeks away and you need same day payday loans to keep food on the table and keep the lights on.

When you get approved for a payday loan on the same day, you’ll be able to pay your bills, handle expenses, and keep your family fed and sheltered, by providing you a temporary cash infusion that you pay repay back.

These types of same day cash loans offer several benefits. For starters, the entire process is quick and easy. Your online loan application, approval and funding take place online, with no paperwork or office visits which makes it very convenient during the cold Canadian winters.

In fact, the entire process can be completed on the Pay Day website, or even on the go via your smartphone with the Pay Day online loan app, for iOS and Android devices, allowing for instant approval and fast release of funds.

What this all means is that you can have up to $1,500 in your bank account on the same day that you apply for your payday loan. Now that’s fast!

But how can you get same day payday advance loans at this speed? How can any company offer this kind of service? With an online process, and no physical branch offices, Pay Day is lending for the digital age. We use advanced software to automate the decision-making and you can digitally sign your loan agreement. As soon as you send back the signed agreement, we will send you the funds via e-transfer in 5 minutes.

Pay Day offers same day payday loans online 7 days a week (yes, we also provide weekend payday loans) which can really be a lifesaver for many people and make the difference between being late on your bills, foregoing food or utilities, skipping emergency dental work, leaving an appliance broken, the car unrepaired, or getting those things taken care of when you should.

In a crisis situation, same day payday loan with quick deposit can help improve your life and your financial situation.

We provide you with the flexibility to borrow the funds that you need and pay it back as one lump sum, or over 2 or 3 installments, depending on the options you choose.

This can really help make your financial life a bit easier, which is the main goal of our services. You are free to spend the funds as you see fit, from managing your finances to paying your bills as needed.


Questions & Answers
Will getting a same day payday loan have any impact on my credit score?
While a credit check is performed prior to a lending decision, that’s about the only interaction with your credit file that occurs. Of course, if you default on your payday loan, it will be sent to collections. But assuming you repay your loan as per the agreed terms, then there is no impact on your credit score
Who can apply loans with Same Say deposit?
What are the risks of getting same day payday loans?
What if i need to talk to someone about my same day payday loan?

Payday Loans with Same Day Deposit


Same Day Payday Loans Direct Lender

CASH is a trusted, reliable, licensed Canadian lender that provides approval for same day payday loans even if you have bad credit.

You can feel safe and confident in your lending decision, knowing you’ve chosen a highly-respected, regulated, and trustworthy lender, with employees who live, work, and play in Canada just like you!

Flexible Unsecured Loans

We understand that not all loans are not a one-size-fits-all solution. We offer flexibility – both in the amount of your unsecured loans ($100 to $1,500), as well as your loan repayment schedule (1, 2, or 3 installments).

We don’t charge you any additional fees or a higher interest rate if you choose to pay back your loan in multiple repayments. We provide these options to offer you the greatest financial flexibility to suit your life, income, and needs.

Same Day Payday Loans Approval

When we say same day payday loans approval, we mean instant. Most traditional payday lenders are based in brick-and-mortar locations you may have to go to a payday lending store go get forms and documents signed, notarized, and faxed, mailed, or delivered back to the lender.

This all takes time and isn’t necessary. With Pay Day, the entire loan application process to getting the funds you need can take as little as 15 – 20 minutes.

Same Day Weekend Loans

Do you have an unforeseen expense at the end of the week, and don't know where to turn for a loan? You can apply for a Weekend Payday Loan online.

Applying for a quick cash loan on the weekend is easy with Pay Day. Our website and loan approval process is available 24 hours a day, 7 days a week. You can complete the loan application from the comfort of your home, office or on the go with the Pay Day loan app.

Before you start your application, you'll need to ensure you have several some information handy, for example, your bank account information, social security number and employment information.

Ethical, Responsible, and Transparent

We hold ourselves to extremely high standards for ethical and responsible lending behavior. We believe in transparency, and clearly spell out our interest rates, fees, repayment schedule, and other details, in plain English, as part of the loan application process.

payday loans Canada

Our eligibly requirements are basic.

Swift Online Cash The hassle-free loan option.

Required

  • Are a Canadian citizen or Permanent Resident.
  • Live in a province where we do business.
  • Are 19 years of age or more.
  • Received the same income source for at least 3 months.
  • Have at least a monthly net income of $800.
  • Are in possession of a Canadian bank account for the last 3 months from which you can do online banking.
  • Have valid email and home address, and a mobile phone.

Can I be approved quickly?

Once you’ve filled out your application, our decisions system, with its advanced algorithm, gives you a decision almost instantly.

Most of our customers have their money in the bank the same day. Once you’re approved and you sign your electronic agreement, our e-transfer system has the funds in your bank in 5 minutes.


Is there a borrowing limit?

Currently, we offer loans between $100 and $1,500. These come with flexible repayment options. Our advanced algorithm helps us identify the loan amount that suits your financial circumstances best.

How Much Income do I Need?

Our minimum monthly requirement is an income of $800. Though a lot of sources, which you might not expect, can be counted toward this total. That includes child tax credits, EI, ODSP benefits and pensions for example. Include such income sources in the Employment Details of your application and you're ready to go.

How about repayment?

We make repayment easy. Once repayment day arrives, we will simply debit the amount stipulated in your loan agreement out of the same bank account into which we made the original loan. All you have to do is be sure there are sufficient funds to cover the repayment. Other than that, there’s nothing for you to worry about.

No Credit Check | High Approvals

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

APPLY NOW FOR INSTANT APPROVAL

We do things differently

Swift Online Cash is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people’s lives.

Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we’re there to help.

Bad credit isn’t a deal breaker

If you’re worried about having bad credit, don’t let that stop you. It’s not the only criteria. We’re much more interested in your ability to make your repayments.


Don’t worry about documents

It’s an easy, real-time, streamlined process. We’ve already got the necessary evaluation tools. We don’t need all those pieces of paper.

Your pre-approval is minutes away

Any time of day, any day of the year, our fully automated decision system is ready to help you identify the best loan option to meet your needs. There’s no stressful waiting for an answer. Every application is reviewed and answered in just minutes.


Transparent costs

We want you to make the best informed judgment for your situation. All our fees are fully transparent and explained. Plus, we’ll answer your questions and provide you the financial planning tools that you need to make the smart choice.

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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