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get cash in as little as 30 minutes*

When you are in need of quick cash, Mr. Payday Has got you covered! We have been helping Canadians with their short term loan needs since 2002.

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How Our Loan Process Works


Apply Online

Applying for a loan with Mr. Payday is easy and fast. Fill out our simple and secure application form.


Get Approved

It usually takes about 30 minutes to get approved for a payday loan during our business hours.


Instant Funding

Once your loan application is approved, you will receive an e-mail money transfer withing 30 minutes.

What Our Customers Have To Say

Why Payday Loans for Bad Credit Are Good for Emergencies

Picture of family that got Payday Loans for Bad Credit The need for money is one of the universal needs we all have in our daily lives. To make matters worse, it is common to sometimes find yourself in dire need of money urgently to handle an emergency for instance a hospital bill. In many occasions you may not have the money required or at least not all of it putting you in a position where you may have to consider borrowing. Well, while people with good credit records may have banks and other tradition financial institutions to lean on; the case is quite the opposite for those who happen to have bad credit scores. However, long gone are the days when having poor credit scores could deny you the opportunity of being granted a loan. With payday loans for bad credit, you can still manage any financial emergency.

Helping In Times Of Need-Payday Loans For Bad Credit 

Payday loans for bad credit are not the only bad credit loans one may apply for. But they have no match when it comes to financing people with very bad credit in dealing with emergencies. The reason behind their high recommendation for pressing cash demands is first due to quick approval of payday loans. Whereas other bad credit loans may take a few days before the cash is transferred to your account, payday loans are given in a matter of hours. This means that you will receive the cash in less than twenty four hours from the time you made your application.

Payday Loans for Bad Credit Video

Secondly, the application process for payday loans is easy, fast and straight forward. These loans are normally applied for online and therefore it does not matter wherever you may be. As long as you are able to access the internet and make your application, the deal is done. As a result practically everyone has access to payday loans for bad credit and no one can complain if being unable obtain them.


Ask anybody out there who has ever tried to apply for any other type bad credit loan about what they were not comfortable with in the process and in most cases, all you’ll hear is paperwork, paperwork, paperwork. Lenders of a good number of bad credit loans usually insist in having as much information as possible about the consumer. As part of procedure, one is asked to surrender many documents mostly those that have their financial background details. This is not only uncomfortable but it is also the reason why such loans take forever to be approved and deposited to the respective consumer accounts. Payday loans for bad credit have no faxing requirement and little if any information about you will be needed which is often filled online. Thus the process becomes quicker and less tiresome.


Finally, payday loans are not secured loans. For that matter no collateral is demanded before ones application for a payday loan can be approved. Consumers who are without collateral to place on bad credit loans should make good use of payday loans bad credit for this reason. Moreover if unfortunately you experience problems paying the loan, you can be rest assured that none of your assets will be touched.


All these factors make payday loans for bad credit extremely attractive and beneficial to many people with bad credit rating. However it is important to keep in mind that payday loans are meant for people with regular income hence the employed, so that they don’t fail to repay the loan come their payday. Also, the amount one can receive has a lot to do with the amount of income they are paid. People with relatively higher gross monthly incomes tend to be favored more when it comes to high amount applied for in a payday loan.