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.


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

Payday Loans Nova Scotia, Canada

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People are normally wrongly skeptical about taking loans to finance temporary hardships. However, loans are healthy if taken in the right amounts from the right sources. This requires you to just look for the right facts before you take your big steps. True to the word, payday loans are high priced sometimes, but there are also some which are low cost, and would range from $25 and $100. The competition for payday loan Nova Scotia providers is thickening by the day and that keeps the rates at an ankle low level.

Get a payday Loan Nova Scotia to Help during Tough Financial Situations

By default, the most basic payday loan Nova Scotia gives will be required to be paid within the time your next cheque arrives. However, do not be shy to negotiate and allow them to accept the money sooner at a smaller interest rate. Paying the loan back sooner is very much acceptable and it allows the firm to help channel the money back into the system. When you stretch it beyond the next check, it is usually treated as an extension of a loan and this should normally attract new interest charges albeit at a restricted level.

The loans are usually regulated. The government has to ensure that the people who make payday loan Nova Scotia applications are not being ripped off and in return, they are not satisfying a certain harmful culture of consumerism. The government also keeps on checking the lenders to ensure that they are not quacks who are after a quick buck or those who are trying to scam out people of their money. Nova Scotia has a provincial government that keeps the rates in check and will anyway enforce disclaimers and advisories to be given.

Currently, the law states that someone cannot be asked to pay more than 25% for every $100 he takes on loan. However, that mark is still high and good old competition will not allow that to happen. If someone misses to make a payment, he is also protected by the law such that he cannot pay anything more than $40. People should anyway remember that annual interest rates are still applicable and these could run up to 60% in some cases. The secret is to know how much you need and how much you can pay back before taking a payday loan Nova Scotia.

For you to really ensure that you are getting what you deserve, take your time before applying for the loan. Therefore, shop around and be sure of what other people have to offer before you can fully be sure that the price you are being charged as interest is not necessarily the highest there is in the market. Look at other additional services and make sure that they are not illegally being sold to you as a prerequisite before the loan is given. Payday loan Nova Scotia suppliers ensure that you get a fair deal and are not paying extra to make you borrow more money.

So what process does someone get the loan once approved? Application, grants and disbursements are best done online. This is convenient and leaves the applicant with the choice of anyway having the payday loan Nova Scotia submitted directly to the bank account. You need your account to be part of the deal so that you can make your future planning, and use the usual means to make the payments for those emergency bills or purchases that you needed the loan for. Your information will still be well protected and will not fall into the hands of scammers and spammers. The security is kept tight using state of the art encryption which locks out third parties but leaves only you and the lender to communicate privately.