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  2. Payday Loans & How They Work

Quick Payday Loan

We provide a quick and easy way to get money when you’re in a bind or have an emergency. Simply put, a payday loan is a cash advance from your next paycheque. You pay a flat rate for the amount borrowed, and your loan and fees are due to be paid back on or around your next pay date.

3 Easy Ways to Get Cash


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855 673 2527

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Complete Your Application

How It Works

3 Simple Steps

1. Apply

Complete your application online, over the phone, or in a store in just minutes.

2. Approval

Get an instant approval decision – immediately see how much you’re approved to borrow.

3. Funding

Get your cash! If you apply in a store, get your cash on the spot. If you apply online, choose to get your cash direct deposited, or pick up your cash at a store.

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Customer Notice: Payday advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counselling.
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Contact Customer Service

Phone: 855 673 2527

Call Center Hours

Mon-Fri: 8:00 am to 8:00 pm (ET)

Saturday: 8:00 am to 4:00 pm (ET)

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Payday Loan 14-day APR Range: 443.21% - 599.64% APR varies per provincial regulations. Rates and Terms the APR in your province. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. In accordance with government regulations your loan must be paid in full by the due date and may not be extended, refinanced or rolled over.

Payday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements.

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Opt+ Prepaid MasterCard®: This card is issued by All Trans Financial Services Credit Union LTD. Pursuant to licence by MasterCard® International. Use of this card is governed by the agreement under which it is issued. Free load and unloads at Top Cash Advance locations only.