GetMyPayToday Review

Company Information

GetMyPayToday offers short-term loans to its customers very soon after customers apply. They do this by streamlining the application and loan approval process so that borrowers can be approved immediately.

Email: [email protected]

Main office: 6000 Côte des Neiges, Suite 370

Montreal, QC

H3S1Z8

Phone: +1 844-882-7352

Types of Loans Offered

GetMyPayToday offers borrowers cash advances and loan services for life’s unexpected events. Loans from GetMyPayToday can help people with  difficult financial situations. The types of loans offered at GetMyPayToday are cash advances, payday loans, bad credit loans, emergency loans, and a rebuild your credit loan.

The traditional banking system takes an average of one-to-two weeks before they approve a loan request. As an online cash advance provider, GetMyPayToday allows borrowers to get the money much more quickly. In most instances the funds are available the same day.

GetMyPayToday offers a 3-step loan application process that allows borrowers to get an immediate response from brokers. Once a borrower is approved, they can receive the money within 45 minutes after the contract has been signed. With GetMyPayToday, borrowers don’t have to worry about waiting for a week or two for the loan to be processed.

Cash Advance

GetMyPayToday offers cash advances ranging from $300 to $3000. When you apply, choose the right amount to meet your needs. GetMyPayToday can better adapt to their customer’s needs than their competitors because they offer higher credit limits than their competitors do.

Payday Loans

GetMyPayToday offers customers Payday loans in Canada. It is simple, fast, confidential, and secure. It also helps customers deal with some of the financial pressure they may be facing in their everyday lives. 

How a short-term payday loan can help you

1. You might need to make an emergency repair to your car. 
2. You may have an unexpected medical expense or a late payment on a neglected bill. Health-related emergencies are unpredictable and can  lead to out-of-pocket expenses. A payday loan could be an option to help pay for these unexpected costs.
3. Is your landlord after you for unpaid rent? Is relaxing at home difficult because you are behind on your rent? A payday loan could help you deal with your unpaid and avoid a confrontation with your landlord. 
4. A payday loan can help you cover daily expenses. You might run out of money to buy necessary day-to-day items. These situations are often  unexpected and can occur when you don’t have access to extra money. A  payday loan  can help you get back on track. 

Requirements a GetMyPayToday payday loan

• You need identification  showing you are of legal age ( for example,driver’s license, passport, government issued identification card, citizenship card, health card).
• An active bank account since your bank account details will be needed. This is because the proceeds of the loan will be deposited to your bank account. The account must have been in operation for at least three months.
• You must provide proof of income. You will need to show that you are working full-time and have been working full-time for at least three months. This is the major requirement that the lender will use to decide whether to approve a loan for you.
• If you declared bankruptcy or filed a consumer proposal, they must be discharged.

Bad Credit Loans 

GetMyPayToday promises to tackle bad credit loans. Being an alternative lender, GetMyPayToday offers bad credit loans in Canada to those who need a bit of extra cash to meet their financial obligations. Borrowers with reasons like bankruptcy, struggling with credit card debt, or struggling to pay their bills can get help from GetMyPayToday.

Bad credit loans are commonly used for: 

Bill Payments 

Home repairs 

Auto repairs 

Financial or medical emergencies 

Bad credit loans come with a higher interest rate than traditional loans because borrowers with bad credit are considered a higher risk to the lender.  A bad credit loan differs from a payday loan because it is paid back in monthly installments, while a payday loan is repaid the next time the borrower gets paid. Although their rates are high, they can be an important financial resource if you need some help paying your bills or dealing with unexpected expenses before your next paycheque. In addition, making your loan payments on time each month can help your credit score improve. 

Unlike banking institutions that rely on credit checks and credit scores to approve loans for borrowers, GetMyPayToday believes your past should not affect your future. That’s why, if your repayment capacity allows you to take on a personal loan for bad credit, you’ll be approved for the loan and GetMyPayToday will transfer the funds to you in record time.

Requirements for bad credit loans

1. Proof that you are a Canadian citizen or a permanent resident of Canada 
2. A bank account with a Canadian bank 
3. Proof of monthly income
4. Resident of Ontario, Quebec, British Columbia, Manitoba, Alberta, Saskatchewan, New Brunswick, Newfoundland

Instant Loan With No Refusal

GetMyPayToday offers an almost instant loan service with no refusal to customers who need cash quickly. If you’re in a situation where you need cash fast, they can help you with an instant loan and you won’t be declined because of your credit rating.

Emergency Loans

Emergency loans are for people who have to deal with unexpected expenses. GetMyPayToday offers cash advances that payout within 45 minutes, providing near-instant relief from financial troubles. To make the process even faster, customers only have to complete an online form to apply. 

However, emergency loans are only meant for extreme situations. It’s recommended that customers don’t borrow more than they need to avoid potentially getting into more debt.  Customers cannot apply for a new loan until they have repaid the previous one.

No Credit Check Emergency Loans

Anyone can apply for these emergency loans for bad credit without worrying about their past financial activities. Get My Pay Today does not check credit ratings; your current score won’t be affected by their emergency loans.

Rebuild Your Credit:  card for bad credit

A low credit rating can lead to higher interest rates, making it difficult to afford new loans and raise your score. If you’ve been denied a regular credit card, you can deposit money onto a Get My Pay Today secured card and use it to grow your rating.

How to Qualify for an Emergency Loan

1. Customer ability to repay is based on their current income details. To qualify for emergency loans, you shouldn’t have any NSF (non-sufficient funds) payments in your account.
2. Have a valid chequing account for at least three months.
3. Be employed full-time for at least three months.
4. Receive your paycheque or payments by direct deposit.
5. Not be involved in bankruptcy or have a wage garnishment.
6. Have lived in the same home for the last three months or more.

Loan sizes range from $300 to $3,000, so you don’t have to borrow more than you can afford. This and all other required information can be entered into their online form. Once completed, hit submit to get a loan in minutes.

Documents required for an emergency loan

1. Photo identification- (driver’s license, passport, government issued identification card, citizenship card, health card)
2. Bank statements
3. Proof of address- such as a utility bill, rental agreement, receipts from your landlord, insurance policy, photo identification that is government issued

Repayment Options

GetMyPayToday offers flexible repayment options for repaying emergency loans. Unlike payday loans, emergency loans don’t have to be paid in full on your next pay day.

If you find that you can’t pay on time for any reason, get in touch with their customer service at least 48 hours in advance. Any missed payments will result in a $40 fee, and unpaid installments will be moved to the end of your repayment period. Since they do not do credit checks, delayed payments won’t affect your credit rating.

GetMyPayToday’s emergency loans provide instant financial assistance regardless of the customer’s situation. In life, no one can always plan for unexpected events, and these online service advancements can help people get the cash they need for emergencies.

Why you should choose to borrow with GetMyPayToday 

GetMyPayToday has been offering fast, no credit check lending services for over 17 years. Their speed, professionalism, and a large network of reliable lenders allow them to select financing options adapted to their clients’ various needs.

GetMyPayToday offers support to Montrealers and Canadians through various loan options, like:

– Cash advances

– Payday loans

– Bad credit loans

– Emergency loans and more

They also offer support to individuals who want to rebuild their credit or consolidate their debts.

Furthermore, their service has no hidden costs so borrowers don’t have to worry about paying for the cost of opening a file. 

For payday loans, GetMyPayToday is a great choice because:

1. The loan response takes an hour or less 
2. The loan amount can depend on how much you need-from $300-$3,000
3. GetMyPayToday wants to help you get back on track
4. The process, fees and terms of the loan are transparent
5. No credit check required
6. GetMyPayToday serves all of Canada
7. Easily Accessible online from your phone, tablet or computer

How to Sign Up With GetMyPayToday

To sign up with Get My Pay Today, you only have three steps, and then your money will be disbursed. They are as follows:

Conclusion

GetMyPayToday has come a long way compared to its alternatives and competitors. In business for over 17 years and counting, they are well managed and highly rated by their customers. 

GetMyPayToday is reliable, fast, transparent, and they also have excellent customer service that runs 24/7, in addition to their low-interest rate.

In conclusion, we recommend this online loan app to customers who require quick and easy loans. However, we strongly urge borrowers to only apply for the minimum amount to pay to avoid getting further into debt.