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Rating by Finanso®

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.



About lender

Pay2Day is a lender of short-term loans that prioritizes customers' needs. It serves Barrie, Brampton, British Columbia, Greater Niagara, London, and other cities and municipalities. Pay2Day has worked in the field of payday loan issuance since 2008. Nowadays, this organization is operating in more than 30 locations. The expansion will continue as many other corporate franchises will be opened in Canada in the near future.

Customer satisfaction is the main priority of this payday loan lender. There is no such thing as bad credit or credit checks when working with Pay2Day.


  • Variety of special offers - $300 cash advance fee, referral program, interest fee guarantee, and sweepstakes.

  • Cheque cashing and prepaid cards.

  • The ability to be a member of the organization by becoming a franchise owner.

  • The company operates in over 3- full-service locations in Ontario and other provinces.

  • Pay2Day provides complete operational support for the franchise owners.

  • It is considered the most trusted payday loan organization in Ontario.

  • Credit score is not checked.

  • Competitive rates.

  • Numerous branches in Canada.


Pay2Day is not only a company providing short-term loans, it offers other services in several provinces of Canada and has numerous benefits.

The first significant advantage is that this organization values customers and their needs. This simple principle helps satisfy the client's needs who is in dire need of a payday loan. Many customers need short-term loans to cope with the overwhelming financial difficulties. That is why Pay2Day made the process of acquiring credit as simple as possible. There is no need to spend hours at banks in Canada and hope that your application will not be declined. For Pay2Day, your credit history and the purpose for borrowing are not important.

The second significant advantage is the competitive rates for the loans. There would be no additional or hidden fees - you will pay $15 for every $100. All conditions are described in the agreement.

Payday loans are the company's main product, and you can send an application in a quick, easy, and hassle-free way. There is also the FastTrack Your Cash service that allows to apply and receive payday loans any time.

Among other advantages of Pay2Day are:

  • Fast and friendly customer service;

  • Filling out the application is a simple process that takes several minutes.

  • Flexible payment options. The staff will create a plan that will suit your needs in the best possible way.

Campaigns and special offers

The lender provides four special offers: $300 Cash Advance Free, Refer a Friend, Invest Free Guarantee, and Sweepstakes.

  • $300 Cash Advance Free is a loan you can get at any office located in Ontario. You can take from $300 to $1500 without hidden fees. If the loan is approved, you will save up to $45 on the first in-store loan.

  • Refer a Friend program. The conditions are simple – if you refer a friend, you can get a $20 discount for the following loan taken online or at the store. A friend must become a company customer and receive a loan. It means that this person needs to qualify for a payday loan. After the funding approval, you may visit any office or apply for an online loan on the site. A $20 sum will be automatically withdrawn from your account. The number of friends will determine the discount ($20 for each friend).

  • Interest-Free Guarantee has been implemented for clients who were not satisfied with the services or changed their minds after theit payday loan approval and the money has been sent to the account. It means that you can return the loan without any additional fees, but only the accurate sum of the loan. You will have 48 hours to make a decision, which is an extended period.

  • Sweepstakes is a special offer presented in the form of a lottery. Every client has a chance to win a $150 Visa Gift Card. To enter the program, you need to visit the Sweepstakes page on the official website of Pay2Day, enter your first and last name and an email address. Participation is free for every client which has already received payday loans of any amount in Canada.

Loan conditions

  • Loan amount: up to $1,500

  • Term: 14 days

  • APR: varies by province

Methods of a loan granting

There are two kinds of loan granting:

  1. Get cash at one of the offices of Pay2Day.

  2. Online - you will get the money via an E-transfer.


Company documents

Terms & Conditions
Accessibility information

Customer Satisfaction is Our First Priority

© Pay2Day

Pay2Day loans calculator

Pay2Day calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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300 $
1500 $
Loan term

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What to pay attention to when applying for a loan from Pay2Day

  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 Pay2Day 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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