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Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

1.6

GoDay's rewiews

Finanso.Multilogin™

All GoDay’s reviews by October 2022

1 reviews
1.6
Advantages
the application is easy and takes less then 5 mins to fill out. but the funding time is quite long. if looking for instant funding then its not here. and take anywhere from 4-8hours or longer ive been waiting pretty much a week now and of course there all the sudden answeing just completely ignoring me....like wtf? no explanation nothing...and they actually had the strange gull to set my application 'as false and fake' mode so Id think im filling real application and NG and BTN sothe system automatically reject.....strange and f'd up all say and for what reason ??? i have no clue accept apprarently it the loan rep has some kind of issue with me. i could understand if I did something to them but havent done a thing accept pay and reaaply as usual...oh yeah and when i mentioned it was my bday and if they could please process my application at their earliest avail because it was long weekend ..of course I got a were processing your loan with a list of their funding times....followed by of course another email asking for my banking at closing time after I have already verified my banking more then 6 TIMES ...tell me thats not total b/s nothing but games and unprofessional so i guess i cant say there is any advantages at this point just left in "AWE"
Disadvantages
Im not so sure anymore what to think of Goday. They are definately not a friendly bunch. Anyways Ive been a customer for a few months, things were fine acceept this month all the sudden after repaying them and on time. getting another reloan. seems to be some kind of a problem. Whats confusing about it is ..k my child tax whent into a different account this month instead of what it used to. but so what big deal right? lenders would say ok send in bank statement showing a deposit of it ...and I did and did everything im required to do. but for some they keep having some petty issues, and its the person that dealing with ..the obviously have some kind of problem with me. or something and of course all the sudden. are now unreponsive unprofessional?... very. like i said friendly is not their ally. they ask me to send something ...i do it not a problem ..its good and gets updated...then ill get notified by them saying all good ...just have to wait for loan rep to finish with it then u will send ur money......but when whoever this loan rep is ...all the sudden i get another email from custonmer service asking for the same thing all over again....so its the loan rep ..finance dept said i was fine its the loan rep that has an issue. im definaty going to esculate my matter to the ECOA and PLA. I dont know what this person issue is with me or i havent done anything wrong, I confirmed supplied and verified whatever they wanted and like I said havent had any problem with them in the past ..just all the sudden....strange...very...but very interested in finding out so definatly will be getting an authority offical to investigate and see whats up.

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What to pay attention to when applying for a loan from GoDay

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes GoDay from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.

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