The convenience of payday loans

When you are struggling financially a loan may be a good solution for you. But which is the best loan for your current financial situation? There are many financial products out there and you want to pick the best option for you.  Some people may opt for a larger loan and try to pay less in interest fees.  This kind of loan is attractive but has a lot of downside as it usually takes days to know if you are approved.  If you need cash quick, there are better options for you.

Same day payday loans are a great solution for your temporary cash flow problems. You get your funds quickly and the loan will cover your expenses until your next payday.  Obviously, there is a fee, but it is usually a big saving compare to non-sufficient funds fees that Banks or service providers may charge.

Here is a breakdown of the advantages of payday loans.

It’s Fast

Receiving a decision is very quick, as most lenders will get back to you within one hour and you will know if you are approved for the loan.  The application process is also fast as it usually only takes a few minutes to complete. 


Once approved, the money is usually available to you within a few hours.

It’s Convenient

Nothing spells financial convenience like a payday loan. As the entire process is done online, it has never been easier to apply for a loan.  No need to go in person to your closest branch, no need to stay in line or book an appointment.  All you need is a computer or mobile device with an internet connection.

You Qualify Easily

This is the most important advantage of a payday loan.  No need for credit checks, paystubs or any complicated documentation.  All you will need to do is a quick electronic banking verification and voila!  Therefore, the loans are called online fast short-term loans with no credit checks!  Lenders do prioritize speedy process as this is how they gain and keep customers.

Large Amounts Are Possible

Although payday loans are known for being small loans for a short amount of time, it is still possible to borrow up to $1500.00.  Also, most lenders now offer the option of repaying your loan in installments which is a great improvement.  No need to repay the entire amount plus the fees all at once!






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Ontario 4726568

British Columbia 64068

Nova Scotia 222985929

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At Credit Club we are dedicated to providing you with a solution to meet your immediate money needs right from the privacy of your home.

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Online Payday Loans Across Canada

Credit Club is proud to offer loans online to the residents of Ontario and British Columbia. Citizens of Toronto or Ottawa can apply online from the comfort of their home and receive the funds usually the same business day. Canadians from Vancouver and Victoria know they can be approved even if they have less-than-perfect credit. Citizens of Hamilton and Mississauga can apply online in minutes and get instant approval.

Understanding our loan fees

Ontario and British Columbia : We charge $15 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $45 and the payback amount $345.

Nova Scotia : We charge $15 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $45 and the payback amount $345.

Annual Percentage Rate Disclosure

Ontario and British Columbia : Annual Percentage Rate (APR) varies from 90% to 391.07%. The minimum and maximum for repayment period is 62 days. For further details on APR, please refer to the FAQs and Pricing.

Nova Scotia : 391.07%.

Implications of non payment

Financial Implications - If a pre-authorized withdrawal is returned to Credit Club for any reason, including but not limited to "NSF" or "account frozen," it will be considered as a non-payment. In these cases you might be charged an NSF fee. You may also incur an overdraft charge from your bank. In addition, an annualized interest rate of 30% will accrue from the loan repayment date up to and including the eventual repayment date.

Collection Activity - We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail or email. Our collection agencies recover monies owed to us in a professional manner and in keeping with all lawful collections practices.

Impact on Your Credit Score - If you do not repay your loan to Credit Club, your credit score may be negatively affected.

Renewal of your Payday Loan ? Credit Club does not offer automatic renewals on its payday loans.

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15 Gamelin, Suite 401, Gatineau (Québec) Canada, J8Y 6N5

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