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Why get a payday loan from
WestCoastPayday?
*You get your payday loan in 30 minutes deposited
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*The lowest rates in the payday loan industry
*No hassle, fast and easy payday loan service
*99% Approval Rate
*High security standards and procedures to safeguard
against unauthorized access to your personal information
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easy online payday loans for people with bad credit in canada WestCoastPayday - fast and easy PAYDAY LOANS and CASH ADVANCES anywhere in Canada.
QUESTIONS
West Coast Payday: Payday Loans Online For Canadians What is a payday loan?
A payday loan, or cash advance, is an easy way to get cash until your next paycheque.

Fast Loans Canada: Payday Loans Online For Canadians What are the requirements to get a payday loan?
To see if you qualify for an online payday loan you have to answer the following questions:

  • Do you have a job?
  • Have you been with your current employer for more than 3 months?
  • Do you have an active chequing account?
  • Do you get paid by direct deposit?
  • Do you bring home at least $1000 per month?
  • Do you have an active phone number that we can reach you at?

If you answered YES to all these questions - you qualify *.
*Unfortunately people who fall under the following categories do not qualify: self-employed, paid by commission, on social assistance, on worker's compensation or on disability. You must not have filed for bankruptcy in the past year. Final decision is made by a lender.

West Coast Payday: Payday Loans Online For CanadiansWill I be approved for a cash advance?
Most people are approved for a cash advance; however, you may be denied if you fall under one or more of the following categories:
  • Employment
    If you are currently unemployed or if you have been employed at your current job for 2 months or less, your cash advance application may not be approved.
  • Banking History
    Your advance application may not be approved if you do not have a chequing account; if you have a newly opened chequing account; if you have multiple NSF charges in your chequing account, or if you have multiple outstanding payday loans.
  • Income and contact phone number
    Your cash advance application may not be approved if your net monthly income is less than $1000.00, or if you do not have an active phone number that you can be reached at.
West Coast Payday: Payday Loans Online For CanadiansWhat if I have a poor credit history?
Bad Credit? No Credit? No Problem! Most payday loan lenders do not care about your credit history. If you meet the following requirements you are qualified for a payday loan: you are employed full time, making over $1000 every month, have your pay directly deposited into your bank account, have less than 3 NSFs in the last 60 days and have no delinquent payday loans.
West Coast Payday: Payday Loans Online For CanadiansWhat if I am in bankruptcy?
People who are currently in bankruptcy are not qualified, but any discharged bankruptcies are of no concern.
West Coast Payday: Payday Loans Online For CanadiansHow soon can I receive my payday loan?
All loan applications are processed as quickly as possible. Depending on the volume of applications, it takes anywhere from 30 minutes to 2 hours for an application to be processed during regular business hours.
West Coast Payday: Payday Loans Online For CanadiansWhat documents do you require me to fax in?
Lenders might ask you to fax your personal documents like IDs, paystub and a bank statement.
West Coast Payday: Payday Loans Online For CanadiansWhen will I hear from you?
Once you complete online application, you will receive a conformation email with a login and a password to your private customer's page where you can login and monitor the status of your application. It usually takes about 30 minutes to process your online loan application during regular business hours, however it can take longer due to high volume of applications.
West Coast Payday: Payday Loans Online For CanadiansI am approved, how do I get my money?
Funds will be wired right into your bank account or an Interac Email Money Transfer will be send to your email account.
West Coast Payday: Payday Loans Online For CanadiansHow do I pay you back?
Your bank account will be debited on your next scheduled pay day.
West Coast Payday: Payday Loans Online For CanadiansHow soon do I have to pay it back?
You will have to repay your loan on your next pay day.
West Coast Payday: Payday Loans Online For CanadiansI have a small pay cheque this time; can I skip my payment till my next pay?
Your loan payment cannot be skipped.
West Coast Payday: Payday Loans Online For CanadiansI don't want my employer to know that I'm applying for a loan. Do you have to verify my employment?
Most of the times lenders are able to confirm your employment through your bank statement and your paystub and they do not need to contact your employer. In some cases lenders might have to call and speak with your HR department. When calling your HR department, customer service agents are very discreet when verifying your employment and do not disclose that they are calling from a payday loan company.
West Coast Payday: Payday Loans Online For CanadiansHow much can I borrow?
You can borrow from $100 up to $500. (Subject to approval)
West Coast Payday: Payday Loans Online For Canadians Can I get approved today, and get the money later on, when I need it?
Yes, your application can be approve today and you can have funds deposited into your bank account whenever you need the money. Your approval is good for 4 weeks. When you do decide to get the funds deposited into your bank account, your information will be confirmed once again to make sure that it is still accurate and then the money will be deposited into your bank account.
West Coast Payday: Payday Loans Online For CanadiansIf I don't qualify for the loan amount requested, can I get a different loan amount?
Customers' loan limits are calculated on a point system, depending on that system lenders evaluate how much you qualify for and then will issue you a loan up to that determined limit.
West Coast Payday: Payday Loans Online For Canadians What provinces do you lend to?
Currently residents of the following provinces can apply for a loan: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Saskatchewan, Northwest Territories, Nunavut, and Yukon.
West Coast Payday: Payday Loans Online For CanadiansCan I pay my loan back early?
Yes. Simply contact Customer Service Department to let them know that you want your bank account to be debited earlier than your loan due date.
West Coast Payday: Payday Loans Online For CanadiansWhat happens if I default on paying back my loan?
Lenders do reserve the right to collect delinquent loans using all legal remedies available including legal debt collection and civil court action.
West Coast Payday: Payday Loans Online For CanadiansHow do I refer a friend?
  • Login to your customer's account, click Referrals button
  • Enter a friend or family member's email address and name
  • And we do the rest! It couldn't be easier
Customers of West Coast Payday can refer their friends and family members and receive $20 referral bonus*. Once you get a loan through, you will receive a password and a login to your customer's account. Login to your account page and simply click "Referrals" button. Enter your friend's or family member's email address and name. We do the rest! There are no limits on the number of referrals you can receive payment for.
West Coast PaydayWhat does my friend have to do for me to qualify for the Referral Bonus program?
  • Your friend must not have ever registered with Westcoastpayday.com or it's affiliates
  • Your friend must use the link in the referral email we send him
  • Your friend must complete an online application for a loan
  • Your friend must be approved and accept the loan
West Coast Payday: Payday Loans Online For CanadiansWho can I refer?
You can refer people with whom you have a previous personal relationship. This includes friends, family, co-workers, etc. You MAY NOT refer individuals you do not know. This includes but is not limited to names you obtain from the Internet, group mail and group email lists.
West Coast Payday: Payday Loans Online For CanadiansHow much do I receive for successfully referring someone?
The Referral program pays you $20 each time one of your referrals successfully receives their first loan. You are only eligible to receive one referral bonus for each person you refer. The money will be deposited into your bank account on the following business day.
West Coast Payday: Payday Loans Online For Canadians*Westcoastpayday.com reserves the right to cancel this program at any time for any reason. Additionally, if Westcoastpayday.com determines under its sole discretion that you have not complied with the above terms and conditions then it may immediately withdraw all benefits to you under this program.
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