{"id":37,"date":"2015-07-17T05:25:19","date_gmt":"2015-07-17T05:25:19","guid":{"rendered":"http:\/\/canadianpay.com\/?page_id=37"},"modified":"2025-01-01T10:30:06","modified_gmt":"2025-01-01T15:30:06","slug":"faq","status":"publish","type":"page","link":"https:\/\/canadianpay.com\/index.php\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<p><strong>What is a Payday Loan?<\/strong><\/p>\n<p align=\"left\">A payday loan or cash advance is\u00a0an easy\u00a0and fast way to get a small short term\u00a0loan which will be\u00a0repaid in full against your next payroll deposit.<\/p>\n<p><strong>How do I apply?<\/strong><\/p>\n<p>If you are a <strong>New Client<\/strong>, please click the \u201c<strong><a href=\"https:\/\/canadianpay.com\/index.php\/apply-now-application\/\">APPLY NOW<\/a><\/strong>\u201d button on the\u00a0Main page\u00a0of our website.<\/p>\n<p>If you are an <strong>Existing Customer<\/strong>, Please click the \u201c<a href=\"https:\/\/canadianpay.com\/index.php\/returning-client-acceptance-page\/\"><strong>RETURNING CLIENTS<\/strong><\/a>\u201d button on\u00a0the\u00a0Main page of our website, as it is a much shorter application.<\/p>\n<p>Please keep in mind that all CanadianPay loans are processed and issued online only.<\/p>\n<p align=\"left\"><strong>Can I get a quick loan?<\/strong><\/p>\n<p align=\"left\">The\u00a0simple and easy application form\u00a0is available online. Approval is usually very quick, once\u00a0accepted, you can have access to your funds within 20 \u2013 30 minutes. It&#8217;s really\u00a0that easy!<\/p>\n<p><strong>Am I Eligible and Do I Qualify?<\/strong><\/p>\n<ul>\n<li>You must be\u00a0eighteen (18) years of age or older<\/li>\n<li>You must be employed<\/li>\n<li>You must have\u00a0a valid and active\u00a0chequing or savings account with at least 2 months of banking history.<\/li>\n<li>You must have a direct deposit payroll.<\/li>\n<\/ul>\n<p>Please keep in mind that CanadianPay.com makes the final decision on whether or not to extend a loan regarding any\u00a0and all applications regardless of eligibility.<\/p>\n<p align=\"left\"><strong>What does it cost?<\/strong><\/p>\n<p align=\"left\">All the fees associated with our loans are stipulated on our website as well as on the loan documents once a loan is approved. Payday loans are designed for emergency situations\u00a0when cash is required quickly.\u00a0Examples may be\u00a0family emergencies, car repairs,\u00a0home repairs or other short term requirements. Payday loans should not be seen as a long term solution.<\/p>\n<p><strong>When do I repay this loan?<\/strong><\/p>\n<p align=\"left\">Your payment will be automatically deducted from your bank account against your next payroll deposit.<\/p>\n<p><strong>How much can I borrow? <\/strong><\/p>\n<p align=\"left\">Subject to approval, our loans range from between\u00a0$100 to $1500 depending on your existing\u00a0payment history.<\/p>\n<p><strong>What if I have a poor credit?\u00a0<\/strong><\/p>\n<p align=\"left\">You may always apply for a loan even with poor credit. Our loans are a short term solution for those who need them regardless of credit history. <strong>We do not do credit checks on applicants!<\/strong><\/p>\n<p><strong>How are the funds transferred?<\/strong><\/p>\n<p>A first\u00a0loan would be transferred via direct deposit directly into the client&#8217;s account. We can then\u00a0offer Email Money Transfers *(upon request) once your first loan\u00a0has been\u00a0successfully repaid.<\/p>\n<ul>\n<li>Funds are either sent by Direct Deposit (Electronic Funds Transfer)<\/li>\n<\/ul>\n<p>or<\/p>\n<ul>\n<li>Email Money Transfer (May be requested after the first successful loan)<\/li>\n<\/ul>\n<p><strong>Required Documents:<\/strong><\/p>\n<ul>\n<li>A copy of a Government issued Photo ID<\/li>\n<li>You must provide at least 60 days of unaltered banking activity\/statements up to and including today\u2019s date in order to apply. The statements provided must show a direct deposit payroll or unfortunately we will not be able to provide a loan. Please ensure that the bank statements provided also display the account number and applicant name.<\/li>\n<\/ul>\n<p><strong><span style=\"color: #000000; font-family: Calibri; font-size: large;\">Please either <u>scan and email<\/u>, <u>send screenshots<\/u>, <u>screen record a short video on your mobile phone<\/u>,\u00a0 <u>fax<\/u> or <u>send photos<\/u> (whichever is most convenient for you) of a full <u>60<\/u>\u00a0days of unaltered banking statements up to and including today\u2019s date so that we may finish processing your application. Please make sure that these statements are from the full banking website (Full Desktop Version) and <u>not<\/u> from the bank\u2019s mobile application, which may not contain all the necessary information.<\/span><br \/>\n<small><span style=\"color: #ff0000; font-family: Calibri; font-size: small;\">* If using a mobile phone or tablet, please send statements from the full banking site by using a regular internet browser (ex. Google, Bing or Firefox) instead of the app and selecting &#8220;Full Desktop\/PC View&#8221;.*<\/span><\/small><\/strong><\/p>\n<p><strong>*If you choose to Screen Record a short video of your latest 2 months of banking transactions, <\/strong><strong>please make sure to <span style=\"color: #000000; font-family: Calibri; font-size: large;\"><u>scroll slowly<\/u><\/span> showing a clear view of your latest 60 days (2 months) of banking transactions.\u00a0<\/strong><\/p>\n<p><strong>*Please ensure that the account number and current balance is also showing \/ included in the video along with your latest 60 days (2 months) of banking transactions.<\/strong><\/p>\n<p><strong>You may send your documents directly to <a href=\"mailto:info@CanadianPay.com\">info@CanadianPay.com<\/a> (Please makes sure that your name and phone number are on all the provided documents)<\/strong><\/p>\n<p>You may take a screen shot of your documents by clicking the\u00a0\u201cPrint Screen\u201d key on your keyboard.\u00a0Choose\u00a0which program\u00a0to paste and\u00a0save the documents and then upload them using our upload function. You may also attach this print screen to an email and email them\u00a0 directly to <a href=\"mailto:info@CanadianPay.com\">info@CanadianPay.com<\/a>. You may also fax any documents to 1(888)\u00a0848-6320.<strong>\u00a0\u00a0*Always make sure that your Full Name and Phone Number\u00a0are on any and all documents, so that we know who they belong to.*<\/strong><\/p>\n<h4><strong>Detailed Screen-Shot\/Print Screen (PrtSc key)\u00a0Instructions are provided below:<\/strong><\/h4>\n<h4><\/h4>\n<h4><strong><u>For Windows Users<\/u><\/strong><strong>:<\/strong><\/h4>\n<p>Taking a screenshot on Windows is very straightforward using the following instructions:<\/p>\n<p>Capture the entire screen to clipboard (all Windows versions)<\/p>\n<ol>\n<li><strong>Print Screen (PrtSc key) Capture: <\/strong>When the image you want to capture is on your screen, press the Print Screen key <em><strong>(PrtSc Key)<\/strong><\/em> &#8211; usually found in the upper right hand corner of your keyboard to capture a screenshot of your entire display. Capture only the active window to clipboard (all Windows versions) You can alternatively select a particular active window and press Alt + Print Screen (both keys at the same time) to capture an image of just that window. *Keep in mind there will be no noise or any other indication the screenshot was taken, but the resulting image will be saved as a PNG file to your clipboard.<\/li>\n<li>\u00a0<strong>Open the image in a graphics program: <\/strong>All versions of Windows include MS Paint, but whichever program you prefer can be used. Paste the screenshot into the program by selecting &#8220;<strong>Edit<\/strong>&#8221;\u00a0on the menu bar and then\u00a0selecting &#8220;<strong>Paste<\/strong>&#8221; from the drop down choices. You may also simply\u00a0press <strong>Ctrl + V<\/strong> on the keyboard to paste your screenshot.<\/li>\n<li><strong>Save:<\/strong> Click the main File option in the top-left corner to select the option to save. Click the gray Save button in the bottom right-hand corner when finished. Either a .png or .jpg\/jpeg format is suggested for any screenshot you intend to\u00a0upload to us. You&#8217;re all set!<\/li>\n<li><strong>Upload:<\/strong> Simply use\u00a0the &#8220;<strong>Upload&#8221;<\/strong> button on our online Application Form to locate the\u00a0newly saved documents\u00a0on your computer and attach them to the Application prior to clicking &#8220;<strong>SUBMIT<\/strong>&#8220;.\u00a0It&#8217;s that easy!<\/li>\n<\/ol>\n<p><strong>(For Windows users) <\/strong><\/p>\n<p><strong>Capture the entire screen to Screenshots folder:<\/strong> <strong>Windows 8<\/strong> users can click the Windows + Print Screen to automatically save a full-screen screenshot within the Screenshots folder of your picture directory.<\/p>\n<p><strong>Open the image in a graphics program: <\/strong>All versions of Windows include MS Paint, but whichever program you prefer can be used. Paste the screenshot into the program by selecting Edit &gt; Paste, or press Ctrl + V on the keyboard to paste your screenshot.<\/p>\n<p><strong>S<\/strong><strong>ave:<\/strong> Click the main File option in the top-left corner to select the option to save. Click the gray Save button in the bottom right-hand corner when finished. Either a .png or .jpg\/jpeg format is suggested for any screenshot you intend to\u00a0upload to us. You&#8217;re all set!<\/p>\n<p><strong>Upload:<\/strong> Simply use\u00a0the &#8220;<strong>upload&#8221;<\/strong> button on our online Application Form to locate the\u00a0newly saved documents\u00a0on your computer and attach them to the Application prior to clicking &#8220;<strong>SUBMIT<\/strong>&#8220;.\u00a0It&#8217;s that easy!<\/p>\n<h4><\/h4>\n<h4><strong><u>For Mac Users<\/u><\/strong><strong>:<\/strong><\/h4>\n<p>Capturing screenshots is very straightforward on Macs using key combinations.<\/p>\n<ol>\n<li><strong>Capture your entire screen<\/strong><\/li>\n<\/ol>\n<p>Press Command (\u2318)-Shift-3. The screenshot is added to your desktop.<\/p>\n<ol start=\"2\">\n<li><strong>Capture some of your screen<\/strong><\/li>\n<\/ol>\n<p>Press Command (\u2318)-Shift-4, then drag the crosshair pointer to select the area. Hold Shift, Option, or the Space bar while dragging to resize your selection. (To cancel, press Escape (esc) before releasing the mouse button.)<\/p>\n<ol start=\"3\">\n<li><strong>Capture a specific window<\/strong><\/li>\n<\/ol>\n<p>Press Command (\u2318)-Shift-4, press the Space bar, move the camera pointer over the window to highlight it, and then click. This works with open Finder windows and most application windows (some applications will not allow capture).<\/p>\n<p>To capture a partial screen or a window selection to the Clipboard instead of a desktop file, use Command-Shift-Control-4.<\/p>\n<p>In OS X 10.6 and newer versions, screenshots are saved as PNG files on your desktop and named &#8220;Screen shot (<em>date and time<\/em>).png.&#8221;<\/p>\n<p>In Mac OS X v10.6 and later, your screenshots are saved as PNG files on the desktop. They&#8217;re automatically named &#8220;Screen shot (date and time).png.&#8221; You&#8217;re all set!<\/p>\n<p>Simply use\u00a0the &#8220;<strong>upload&#8221;<\/strong> button on our online Application Form to locate the\u00a0newly saved documents\u00a0on your computer and attach them to the Application prior to clicking &#8220;<strong>SUBMIT<\/strong>&#8220;.\u00a0It&#8217;s that easy!<\/p>\n<p><strong>Can I change my repayment date?<\/strong>:<\/p>\n<p>Unfortunately we are unable to change payments dates. This means that you are required to have the funds available on the date stipulated on the loan contract. If you do not have the funds available on the date of your repayment and your payment is returned for any reason, you will acquire a $20 NSF fee with our company and may acquire an NSF fee with your bank as well.<\/p>\n<p><strong>Implications of a Non-Payment are:<\/strong><\/p>\n<p>A Non-Payment or Returned Payment of any kind will result in a $20 charge added to your account as well as 35% interest per annum. Please keep in mind that we will work with you to make repayment arrangements in order to resolve an account in arrears. If an account is unable to be rectified, your account may be sent to a 3rd party collection agency.<br \/>\n<script id=\"godaddy-security-s\" src=\"https:\/\/cdn.sucuri.net\/badge\/badge.js\" data-s=\"204\" data-i=\"b8f0a979a46b0cc66976d2074690988c83e10f11f5\" data-p=\"r\" data-c=\"l\" data-t=\"g\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a Payday Loan? A payday loan or cash advance is\u00a0an easy\u00a0and fast way to get a small short term\u00a0loan which will be\u00a0repaid in full against your next payroll deposit. How do I apply? If you are a New Client, please click the \u201cAPPLY NOW\u201d button on the\u00a0Main page\u00a0of our website. If you are [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/canadianpay.com\/index.php\/wp-json\/wp\/v2\/pages\/37"}],"collection":[{"href":"https:\/\/canadianpay.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/canadianpay.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/canadianpay.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/canadianpay.com\/index.php\/wp-json\/wp\/v2\/comments?post=37"}],"version-history":[{"count":46,"href":"https:\/\/canadianpay.com\/index.php\/wp-json\/wp\/v2\/pages\/37\/revisions"}],"predecessor-version":[{"id":80056,"href":"https:\/\/canadianpay.com\/index.php\/wp-json\/wp\/v2\/pages\/37\/revisions\/80056"}],"wp:attachment":[{"href":"https:\/\/canadianpay.com\/index.php\/wp-json\/wp\/v2\/media?parent=37"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}