Check if you qualify. Most applicants who meet our basic requirements are approved.
You must meet these basic requirements to qualify
Be a Canadian Citizen or Permanent Resident.
Be at least 19 years of age.
Maximum amount you can borrow is 50% of your net pay as of your last payday.
Employed or receive government benefits (Child Tax, CPP, OAS, EI, BC Disability, Saskatchewan Disability)
Maintain a balance of $200 on payday.
We accept a wide range of income sources
| Income Type | Eligible | Notes |
|---|---|---|
| Employed | ✓ Yes | Full-time, part-time, or contract |
| Self-Employed | ✓ Yes | With regular bank deposits |
| Pension / CPP / OAS | ✓ Yes | Regular monthly deposits |
| EI / CERB / Child Tax | ✓ Yes | With supporting documentation |
| Disability (ODSP/AISH/BC) | ✓ Yes | ODSP, AISH, BC Disability accepted |
| Social Assistance Only | ✕ No | Primary income cannot be welfare |
Government-issued photo ID (driver's license, passport, or provincial ID)
90-day bank statement showing running balance after each transaction
Proof of income (pay stubs or employment letter)
Valid email address and phone number
Currently in bankruptcy or consumer proposal
Have an outstanding payday loan with another lender
Receive income primarily from social assistance
Live outside Ontario or Saskatchewan
We require a 90-day bank statement that shows the running balance after each transaction.
