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The Payday Loan “Cheat Sheet”

10 Things You Must Know About Payday Loans There are many questions when it comes to payday loans. Below are answers to help you pass the payday loan test.

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MINIMUM REQUIREMENTS

	Must be 18 years old
	Must be a resident of Ontario or Alberta
	Must be currently employed.
	Must be paid by direct deposit

REPRESENTATIVE APR
(Annual Percentage Rate of Charge)

Representative Example:

Ontario: Borrow $300 for 14days. The total charge for credit is $62.94. Interest is fixed at a rate of $20.98 per $100 loan. The total repayable is $362.94. Representative APR 546.98%

Alberta: Borrow $300 for 14days. The total charge for credit is $68.94. Interest is fixed at a rate of $22.98 per $100 loan. The total repayable is $368.94. Representative APR 599.12%

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¹ Subject to approval times and lender's own policies. In some cases, funds will be deposited the same working day, if approved by 14:30. Approval may take up to 30 minutes in most cases. Loan amounts are based on consumers credit history and ability to repay loan. Not everyone may qualify for a loan. Please call your banking institution to determine when they are able to release the cash to your account.

² Representative APR (Annual Percentage Rate of charge) - Representative example:
Ontario: Borrow $300 for 14days. The total charge for credit is $62.94. Interest is fixed at a rate of $20.98 per $100 loan. The total repayable is $362.94. Representative APR 546.98%
Alberta: Borrow $300 for 14days. The total charge for credit is $68.94. Interest is fixed at a rate of $22.98 per $100 loan. The total repayable is $368.94. Representative APR 599.12%

InstantPaydayToday.ca is not a lending or banking institution. It does not broker loans to lending institutions. The personal information you provide will be provided to a third party lender to provide you with a loan application and the potential to receive a loan. InstantPaydayToday.ca makes no guarantees or warranties with regards to the availability of a loan or any other aspect of the terms and conditions of the lending institution. InstantPaydayToday.ca is a free service, but may receive a commission from any lenders we introduce you to. For details, questions, or concerns regarding your loan, please contact the lending institution directly. Not all lenders can provide up to $1500. Cash transfer time may vary between lenders. We assume no responsibility for the services or information you may receive from the lender. All loans are subject to credit approval. Certain limitations apply.