GoDay Online Loans

GoDay’s online loans offer a better way to borrow. There’s no need for you to take time out of your busy day to visit a lender. Instead, apply at any time from any device. We accept applications 24/7.

Our approval process is also more forgiving than that of mainstream lenders. That’s because we consider many factors, not just your credit. If you earn a steady, recurring income paid by direct deposit, you could qualify.

We accept applications from new borrowers, students, pensioners, and those trying to restore their credit. Demonstrate stability over the past three-months, and you could get an online loan without a co-signer or collateral.

Let us help you get the money you need without the complexities of traditional loans. There’s no need for proof of income and you can also sign your loan contract digitally, which speeds up the loan process.

How Does an Online Loan Work?

It's so simple you won’t believe you didn’t try it sooner. Just go to our home page and hit the “apply now” button. This will give you an instant estimate of your costs to borrow, based on your location. We’re a licensed lender and we want you to make an informed financial decision.

Want to move ahead? Tell us how much you want to borrow. GoDay provides online loans of between $100 and $1,500, based on our assessment. Complete and submit our simple application form and you’ll have our decision in minutes.

If you’re approved, all you need to do is review and sign your loan documents electronically. That triggers funds release. GoDay offers direct deposit into your bank account or cash via Interac® Email Money Transfer (conditions apply).

What Do I Need to Qualify?

To get a GoDay online loan, you must:

• > be a Canadian resident over the age of 18
• > have an open bank account with a Canadian bank or credit union
• > get paid by direct deposit
• > have your own, valid email account
• > provide us with your home or cell phone number
• > receive a steady, recurring source of income

How Do GoDay Loans Work?

GoDay’s online loans, or payday loans are meant for short-term, urgent financial issues, but they don’t provide more than $1,500. If you need to borrow more, we suggest you read about personal installment loans here.

If our online loan limit suits you and you’re approved, you’ll receive a loan contract for review. It includes your repayment date, interest rate, and any applicable fees. Once you sign it, it triggers your online loan’s funds release.

You must repay your loan in the manner described in your contract. Typically, this occurs when you will receive your next income. Fortunately, you don’t need to do anything. GoDay automatically withdraws your payment from your bank account.

Once you’ve repaid your online loan, you are welcome to apply again. However, GoDay is an ethical lender and will not authorize more than one online loan at a time. Otherwise, your loans could make it impossible for you to pay everyday expenses.

How Much Can I Borrow?

That depends on our assessment. We provide loans of between $100 and $1,500, but if this is your first time borrowing through GoDay, we may not offer you the maximum amount. However, once you’ve established a history with our company, you may be able to borrow more.

Do I Need Good Credit?

GoDay’s artificial intelligence assessment considers many factors. If you earn an income paid by direct deposit you could qualify, even if you don’t have a great credit score. However, we will not consider your application if you are in bankruptcy, a consumer proposal, or loan default.

What Fees Will I Pay?

The fees associated with our online loans depend on your province or territory. GoDay reveals these fees to you without obligation once you input your location on our website.

Never worry about unwelcome surprises – we’re an honest, transparent, lender, without hidden fees.

Why Choose GoDay?

GoDay is a licensed lender bound by regional consumer protection laws. We’ve issued online loans to Canadians since 2012.

Our reviews on TrustPilot indicate our customers like what we offer. We’re Canadian owned and operated and proud of our top-notch customer service.

GoDay Bonus

When you apply for an online loan through us, we’ll review your application to see if you qualify for an installment loan instead. If so, you enjoy more time to repay your loan and often more favourable terms too. You can read more about personal installment loans here.