Payday Loans in Calgary, Alberta

When you have got money problems, what help can you look for?

• Ask if you can find a company who will take an IOU
• Ask your bank manager and request an overdraft protection
• You might look into asking people you're friends with whether they could extend a little money your way
• Try writing a cheque dated for after payroll
• It's possible that your manager could be able to provide an employee advance
• My Canada Payday will help you eliminate your difficulties. Whatever your cashflow issue, we can help. Our objective is being the the most effective payday lender in Canada.

Get Up To $1,500 From One of Our Payday Loans in Calgary

When it comes to online payday loans, the old adage is true: not all lenders are created equal. If you have a larger bill to pay or a bigger emergency expense, you might not be able to get the full amount that you need from other lenders in Calgary. With My Canada Payday, we make it easy to get the funds you need by offering payday loans in Alberta for up to $1,500. That means you can cover any number of expenses with your payday loan, such as:

• Buying groceries or other household items
• Covering the cost of new furniture
• Repaying a loan to a friend or a family member
• Helping to pay for a move or a downpayment on a new place
• Catching up on monthly utilities, like your electric, internet, or water bill
• Replacing a broken washer or dryer
• Paying for late fees on a forgotten line of credit
• Covering the cost of an urgent home repair
• Getting an updated business wardrobe for your new job
• Adding some extra cash to your vacation spending fund
• Replacing a broken phone or laptop
• Paying for a new set of tires or brakes on your car
• Consolidating a few smaller credit cards to minimize your debt
• Getting a little extra cash to help pay your rent or mortgage

What if you want to spend some time exploring the city with your newly stuffed bank account? What can you do with your $1,500 payday loan in Calgary? The possibilities are endless—but here are some of our top picks! Feel free to use your payday loan to:

• Channel your inner foodie for a day with a tasting tour from Calgary Food Tours, Inc.
• Take in the great outdoors with a tour of Calgary, Banff, Sulphur Mountain, and Johnston Canyon
• Dust off your ice skates and spend an afternoon at the Calgary Olympic Oval
• Take the family to a hockey game and cheer on the Calgary Flames
• Get in touch with Canadian artists by visiting the Glenbow Museum

The great thing about payday loans in Calgary is that there are no restrictions on what you can use your loan for. Unlike a loan that you might get from a bank or credit union, payday loans are fast and flexible. There are no limitations on what you use your My Canada Payday loan for. Get a new television, spend a weekend out on the town, pay off your monthly bills, or finally replace that broken dishwasher: it’s all up to you!

How To Apply For A Payday Loan in Calgary

Payday loans are the best way to get a loan quickly—and even better, to get a loan without having to wait in line at a bank or be left wondering for weeks if you’ll be approved. But how do you get a payday loan in Calgary? We’re glad you asked. Getting a payday loan is simpler than you might think! Here’s how it works:

Go to MyCanadaPayday.com

At My Canada Payday, we offer a completely online application process, making it easy for you to apply for a loan at any time (and from anywhere). You can apply for a loan from the salon while you get a pedicure, from your couch during commercial breaks, or even from the dinner table.

All it takes is 15–30 minutes to complete the application from start to finish, which means you never have to dedicate an entire afternoon to making an appointment at the bank, standing in line, and filling out paperwork.

Check your email

Once we review your application, we’ll send a notice via email to let you know whether you’ve been approved. We pride ourselves on a fast and reliable approval process—in fact, most borrowers get their email notification within 30 minutes or less!

Sign your loan terms

We’ll also send your loan terms over to you for review and approval via email. After you’ve agreed to your terms (your interest rate and payment dates), we’ll disperse your funds directly into your bank account through a secure Interac email transfer. If you’re a first-time borrower, you may not be able to access your loan for one to two business days. Recurring borrowers get access to their funds even sooner—sometimes within minutes of approval!

Make payments

You can make payments on your loan through the same secure, automatic transfer that we use to disperse your funds (which is especially good if you don’t want to go through the hassle of manually scheduling payments).

Payday loans in Calgary are designed to be paid back when you receive your next paycheque. When you borrow with My Canada Payday, you can choose to pay back your loan on your next paycheque or two paycheques from now. We love staying flexible and setting our borrowers up for success, from start to finish!

Qualifying For A Payday Loan in Calgary

Compared to traditional loans, My Canada Payday loans offer much more flexibility, quicker approval and disbursement, and far less paperwork. Of course, we still do have a set of requirements that applicants will need to meet before their loan application can be considered.

But with My Canada Payday, you’ll find that our requirements are much less strict than a bank or credit union—we won't require that you have a picture-perfect credit score, tons of cash stashed away in your bank account, or a spotless borrowing history with other financial institutions.

So what do you need in order to qualify for a payday loan in Calgary? Here’s what we’ll review:

Your banking history

Have you been using a checking account for the past six months? If so, then you’ve already met this qualification: you will need at least 180 days of banking history in order to submit an application with My Canada Payday. To verify your banking history, we may request that you submit a few screenshots from your online banking. Rest assured that any screenshots that you send will be processed through our My Canada Payday application. This keeps your sensitive data confidential and safe from start to finish.

Your paycheque schedule

Are you getting paid on a regular schedule? All applicants must be getting regular payments from their employer through direct deposit or cheque. From time to time, first-time borrowers may need to submit a voided cheque or recent pay stub in order to verify their payment schedule—but just as with your online banking screenshots, any required documents can be sent through our secure My Canada Payday application (no faxing or emailing required!).

Your employment and residency

This is the easiest and most straightforward piece of the puzzle: before you are approved for a payday loan in Calgary, you’ll need to be living and working in the local Calgary area. Make sure that your employer maintains a local address before you apply. For some applications, you may need to submit a recent utility bill or other piece of mail to verify that you have an address in Calgary.

Benefits of Getting A Payday Loan in Calgary

There are plenty of financial institutions out there offering loans—but there are some good reasons why you might want to choose a payday loan from My Canada Payday instead. Payday loans in Calgary bring some serious benefits for first-time borrowers and seasoned loan vets alike! If you’re thinking about getting a payday loan with My Canada Payday, here are the most common benefits to help you decide:

You can get cash fast

Whether your rent payment is coming up or you need to pay for an emergency car repair, it’s an awful feeling to be stuck with a empty bank account. Add to that the stress of a ticking clock—and impending fees—and the thought of waiting to be approved for a loan can be painful!

Payday loans in Calgary through My Canada Payday come with a speedy application and approval process, with many applicants getting approved within minutes. Even better, funds are dispersed just as quickly, meaning you’ll never have to sit around for weeks wondering where your loan is (or if you’ll be approved at all). When you can’t afford to wait for a bank or credit union—or if patience simply isn’t a virtue—a payday loan is the perfect solution!

You can use it for anything you need

We all have tons of expenses that come with day-to-day living. From filling up the gas tank to paying for utilities to a weekend night out with friends, it’s easy to watch your paycheque dwindle as soon as it hits your bank account. What happens if your bill payments don’t line up with your paycheque schedule? How can you pay for emergency expenses if you’ve already spent half of your paycheque on bills?

This is exactly where payday loans in Calgary can help. Payday loans give a little bit of extra breathing room for those times where you’re waiting on your next paycheque, but can’t afford to skip those unavoidable, day-to-day expenses.

You can apply online

Let’s be honest—spending a weekend afternoon waiting at the bank, filling out paperwork, and sitting down to talk with a loan officer isn’t anyone’s idea of a good time. We know that you have much better things to do, which is why we’ve designed a completely online process. It’s easier than ever to apply for a payday loan in Calgary with My Canada Payday!

Fill out our application without ever having to leave the couch or even getting out of bed. As long as you have a steady internet connection, you can complete the entire process from start to finish (good news: sweatpants are totally encouraged).

Common Questions About Getting A Payday Loan in Calgary

Ready to start filling out your application for a payday loan in Calgary, but have a few questions about what the process looks like? You’re in the right place. We get tons of questions from first-time borrowers, and we are always happy to help explain the borrowing process! Take a look at some of the most common questions about getting a payday loan in Calgary below.

How long does the payday loan application process take?

Our application is designed to be as efficient as possible—we know your time is valuable, and we won’t waste it! Most applicants complete their application in 30 minutes or less. If you’re a fast typer, you can finish your application in as little as 15 minutes!

Are My Canada Payday loans guaranteed?

We love being able to make loans accessible to Calgary residents, especially when time is of the essence! But My Canada Payday loans are not guaranteed – all applicants will still need to pass through our review and approval process before they are eligible for payday loans in Calgary.

What are the eligibility requirements for a payday loan?

In order to submit an application and be considered for a payday loan, you will need to:

• Be at least 19 years old
• Have at least 180 days of banking history
• Live and work in the local Calgary area
• Have a steady job that pays you on a regular schedule
• Get paid through direct deposit or paycheque

When will I get my payday loan?

We pride ourselves on having a speedy loan review, approval, and disbursement process. Payday loans have incredibly quick approval and disbursement times (even for first-time borrowers). Once approved, first-time borrowers can access their loan within one business day; returning borrowers can get their funds within minutes!

What if I want to wait until two paycheques from now to repay my loan?

At My Canada Payday, we put our borrowers’ needs first. We want to help you build a strong foundation and establish good financial health, which means we offer flexible repayment terms. If you need to wait until two paycheques from now to repay your loan, simply get a hold of our customer support team!

Is My Canada Payday a licensed payday lender?

You bet we are. My Canada Payday is fully licensed throughout Ontario, British Columbia, Alberta, Nova Scotia, Saskatchewan, and Manitoba. Even better, we keep high transparency by publishing the renewal dates for each of our licenses right on our website. You’ll never be left guessing on whether we’re staying up to date with the most recent rules and regulations.

How do I get in touch with My Canada Payday?

There are plenty of different ways to contact My Canada Payday! You can email us, call us, or send us a message directly through our contact form. And we always have someone available to answer your questions: our customer support team is available Monday through Friday, weekends, and holidays.