Payday Loans Made Easy
Zippy Cash helps Canadians with emergency and short term financial needs. Fast, same day, no hassle, no fuss online payday loans on our internet website. Pay cheque or direct deposit? Finances short? Negative cash flow? NSF's? Get approved today; in Ontario, Alberta & British Columbia we give dollars to cover your debt with comparable interest rates. Need available funds advanced today, before your pay day? Try our quick & easy virtual online application; no store, no hassle; problem free loans. Instant approval cash advance in Canada with no credit check. We transfer the money directly to your personal or credit union bank account; either savings or chequing.
How payday loans can get you through
A payday loan or cash advance is an excellent way to get immediate funds directly deposited into your bank account. With no credit check required, simply fill out our application online and your loan can be approved and deposited into your bank account. Once the funds are deposited and the loan is accepted, the loan plus the fees will be debited from your bank account. Once your loan has been paid in full you can request a new loan by logging into the members area of our website.
All fees are explained on our website where you can view a full copy of the terms and conditions as well as the contract. A payday loan is intended for a short period of time and therefore, higher fees may be involved. A payday loan is not intended as a resolution to solve long term financial difficulties. Those who need assistance should seek the services of a credit counseling program.
APR varies from 546.00 - 600.00% for a 14 day term and is based on province, loan term, loan funding date and other underwriting considerations. For further details on APR, please refer to the FAQs.
Implications of Non-Payment
What happens if I fail to make a timely payment on my loan?
Failure to make a timely payment on your loan can have several consequences, including the following:
- Financial Implications - Currently, no past due interest is assessed on any loans you may obtain from us.
However, you may be assessed a late fee if you fail to make your payment by a specified period following its due date and you
may be assessed with a returned item charge if any check or electronic payment we submit on your behalf is returned unpaid
(late fee and returned item fees vary by province - see your transaction agreements for additional details).
- Collection Activity - We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail, SMS or email. We may also exercise any of our rights under our loan agreements with you. If we are unable to collect any delinquent amount you may have with us through such actions, we may also sell our debt to a third party debt buye
r or engage a collection agency, who may also institute collection activity with you.
- Impact on Your Credit Score - We do not currently report loan activity to any of the three major credit bureaus (Equifax, Experian or TransUnion). However, we may use alternative credit reporting agencies. Failure to make timely payment on your loan may reduce your score with such agencies, and prevent you from receiving credit or other services from a provider that uses such agencies.
- Renewal of your Loan - You are not permitted to renew or refinance your loan.