A woman applying for online payday loans in Canada

Online Payday Loans In Canada 24/7

Life isn’t a long, peaceful river, and at any moment, you may have to pay for unexpected expenses or—more generally—find yourself in a difficult financial situation. In this case, online payday loans in Canada certainly are the most suitable solution to put an end to your problems. This immediate loan helps you deal with a temporary money problem while giving you something to get by until your next pay cheque.

Submit your online payday loans in Canada application from anywhere worldwide and receive your money in less than an hour by direct bank deposit with I Need My Money Today.

What are Online Payday Loans in Canada?

When you need a short-term loan to pay off emergency expenses, online payday loans in Canada can help you get started. Available to all Canadians, even those without perfect credit, you can access this type of emergency loan with minimal documentation required. In addition, we won’t charge you sky-high interest rates.

Thanks to an online payday loan, you can get express funds between $300-$1,500, which you must pay back when you receive your next pay cheque. Like many Canadians, this ultra-fast loan will let you receive money urgently that you would not have gotten from traditional banking institutions, with no hidden charges or fees.

Are Payday Loans Legal in Canada?

We’re here to put your fear to rest and assure you that payday loans are legal in Canada. Under the Canadian Criminal Code, payday loans are legal as long as the provincial laws of where the loan took place are being followed.

What are the advantages of Online Payday Loans?

Getting your hands on some quick and easy cash is possible when you submit an application for online payday loans in Canada. Not only do we approve your application in under 24 hours, but our dedicated team is always ready to provide you with guidance to help you out of financial difficulties.

No credit check required

Having a bad credit score prevents you from getting approved for traditional loans, including mortgages, car loans and more. Luckily, I Need My Money Today does not perform any type of credit check before issuing bad credit loans.

Since we do not communicate with credit bureaus, your application will not be reflected in your credit rating. As long as you meet the minimum eligibility criteria, your credit score will never factor in our decision to approve your application for any type of loan with us.

Apply Anywhere, Anytime

We know that some emergencies cannot wait until Monday morning. Forget about mailing in papers or dropping by our offices to get some fast cash. Fill our simple application process within minutes. Use our intuitive online platform at any time and from anywhere, and receive the funds through e-transfer within 24 hours at the latest.

100% Unsecured Loans

Unlike borrowing from traditional banks, I Need My Money Today will never ask you to put up collateral before approving your online loan application. All our personal loans are 100% unsecured. This means, even if you cannot repay the entire loan amount; we won’t repossess your assets.

We won’t ask why you apply

Whatever your reasons for applying for online payday loans in Canada, we won’t ask you to justify anything. We’re not in business to judge your lifestyle or your choices. Our mission is to assist you in getting access to quick cash when you need it the most.

Need a loan for any project?

What are the required documents to apply for online payday Loans in Canada?

Unlike traditional lenders, we don’t require you to provide us with piles of documentation for us to assess before approving your online application. Our process is simple. We only request the minimum amount of documentation, which is mainly to confirm your identity and proof of employment.

To be approved for online payday loans in Canada, you’ll need to provide the following documents:

  • Proof of identity stating date of birth (driver’s license, passport)
  • Confirmation that you have a full-time job and steady income for at least 3 months (payslips)
  • Proof of a valid chequing account open for at least 3 months
  • Confirmation that you receive your pay through direct deposit
  • Attestation of not being in a bankruptcy situation

If you meet the criteria listed above, your application process will not be refused. You can get up to $1,500 in your bank account, before the end of the day with no refusal loans.

When Should You Apply For An Online Payday Loan in Canada?

Do you have unexpected expenses such as urgent health treatments, repairing your broken-down car, or an unpaid bill to settle? We always find ourselves in such situations when we least expect them. Thanks to an immediate online loan in Canada, you will have the means to solve your problems before resuming the course of your life. Stop worrying and submit your online loan application without delay!

Get Out of Your Financial Burdens By Applying For Online Payday Loans in Canada!

Don’t suffer in silence any longer. When you’re stressed about money problems that cannot wait until your next pay, let us help you through your fast and flexible online loan solutions. Submit your application for a payday loan online and start working your way back to financial stability.

Need a loan for any project?

Main provinces served in Canada | Online Payday Loans



New Brunswick


Other cities served in Canada | Payday Loans

Why choose I Need My Money Today?

An easy online payday loan

Are your problems leading you to an urgent situation that worries you? Our online payday lenders perfectly understand the extent of your concerns, and we want to stand by you during this ordeal. The first thing for you to do is to submit your express loan without documents application online. Thanks to our expedited procedure, our experienced brokers provide you with an instant response to allow you to access your money as quickly as possible and in a totally secure manner.

An amount perfectly tailored to your needs

We offer short-term loans ranging from $300 to $1,500 to help customers out of a difficult financial emergency. Specify the amount that you want to receive on the online application form and access your money within the following hour. We approve larger loans than our competitors that are more in line with your needs.

The desire to stand by you

We believe that our mission is to stand by many Canadians to help them get out of difficult financial situations. Do you have a low income or bad credit? Don’t worry; we don’t conduct any credit check on you, and we will approve your application very quickly. For 17 years now, we’ve been a trusted online lender helping many people on a daily basis who have found themselves in situations similar to yours.

Submit Your Online Payday Loan Application Now!

Don’t wait any longer to get rid of that unforeseen situation that is weighing on your shoulders and apply for your instant payday loan now. The procedure is simple, only takes a few minutes, and is totally confidential and secure.


Online payday loans short-term loan generally used to pay for unexpected expenses, default interest, NSF items, credit card balances, and—broadly speaking—all types of urgent money needs. This payday loan must be a temporary solution that should be reserved for short-term use.

We need certain information about you to be able to grant you a payday loan. However, we don’t conduct any credit check, and we don’t charge any fees until you have received your funds.
If you fill out your loan application form during our business hours, you receive your answer within the following hour. Do you have an urgent money need? We can send you the funds within 45 minutes of receiving your duly signed loan agreement.
We don’t require any fee payment before you have received your money.
We don’t conduct any credit check to grant you a payday loan. We operate under the principle that we should only base our decision on your current financial situation.

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