Payday Loans are designed to meet temporary, short-term cash flow needs. As an analogy, while you would not choose to take a taxi from Halifax to Toronto, it is common to take a taxi for a short distance, such as from your hotel to a nearby restaurant. You similarly would not choose a payday loan to finance a purchase over a year's time, but you may choose one to meet a cash shortfall until your next payday.
Financial plans can be disrupted by unexpected expenses that occur between paydays. A payday loan is a convenient alternative to pawning personal property, borrowing money from family and friends, or incurring NSF or overdraft protection charges. Consumers also use payday loans to avoid late-payment penalties and tarnished credit ratings. When used responsibly, payday loans are a good choice.

Why Pay More??


  • Drivers License or Government Issued Photo ID
  • Most recent pay stub
  • The last 60 days of your banking history
  • Void cheque or Pre-Authorized Debit form
  • A current utility bill with name and address
    (phone bill, power bill, etc.)