- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Next business day
- Apply
- Online and in-store
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
GoDay payday loans: costs, licences and review
Last reviewed November 10, 2026 by the Koke editorial team.
GoDay is a Toronto-based online lender offering payday loans of $100 to $1,500 in eight provinces, including Alberta, at up to $14 per $100, plus instalment loans of $1,000 to $15,000 repaid over 6 to 60 months. First-time payday borrowers are limited to $500, and funding comes by deposit or e-Transfer.
Last reviewed November 10, 2026
GoDay at a glance
- Provinces served
- Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Saskatchewan
- Apply
- Online
- Borrow
- $100 to $1,500
- Repay within
- 7 to 62 days
- Loan type
- Payday loan
- Cost per $100
- $14.00
- On $500 for 14 days
- $70.00 fee · $570.00 total
- Annual rate on that example
- 365.0%
- Money arrives
- Same day (Direct deposit or e-Transfer; stated as little as 1 hour after approval, up to 1 business day)
- Credit check
- Varies: “GoDay says it may run a credit check and also weighs income and existing debts”
- If a payment bounces
- —
- If you pay late
- —
- Support hours
- —
Is GoDay licensed where I live?
Provincial regulators license payday lenders. Rows marked Verified were checked on the provincial register on the date shown. Rows marked Listed by lender are the provinces the lender says it is licensed in, which we haven’t checked yet. Either way, licences can change, so use the Verify link before you apply.
| Province | Licence number | Status | Regulator | Checked on |
|---|---|---|---|---|
| Alberta | Not published | Listed by lender, not yet checked by Koke | Service Alberta and Red Tape Reduction · Verify | |
| British Columbia | Not published | Listed by lender, not yet checked by Koke | Consumer Protection BC · Verify | |
| Manitoba | Not published | Listed by lender, not yet checked by Koke | Manitoba Consumer Protection Office · Verify | |
| New Brunswick | Not published | Listed by lender, not yet checked by Koke | Financial and Consumer Services Commission (FCNB) · Verify | |
| Nova Scotia | Not published | Listed by lender, not yet checked by Koke | Service Nova Scotia (Consumer Affairs) · Verify | |
| Ontario | Not published | Listed by lender, not yet checked by Koke | Ministry of Public and Business Service Delivery and Procurement (Consumer Protection Ontario) · Verify | |
| Prince Edward Island | Not published | Listed by lender, not yet checked by Koke | Island Regulatory and Appeals Commission / Consumer Services · Verify | |
| Saskatchewan | Not published | Listed by lender, not yet checked by Koke | Financial and Consumer Affairs Authority (FCAA) · Verify |
Apply now opens Koke’s application page, which sends your answers to our matching partner LeadScout. It may match you with GoDay or with other lenders. Koke may be paid for referrals and for clicks to lender websites; that never changes our rating. Disclosure
Borrowing $500 for 14 days at $14.00 per $100 costs $70.00. You’d repay $570.00 on Tuesday, November 24. As an annual rate, that’s 365.0%.
Try your own numbers
How applying with GoDay works
Everything happens online; GoDay doesn’t take in-person applications. You apply, GoDay verifies your income and bank account, and approved money goes out by direct deposit or e-Transfer, as quickly as about an hour after approval during business hours. Steady income paid by direct deposit is required, and that can include CPP, OAS and disability benefits.
What to watch
GoDay publishes two funding timelines, “as little as 1 hour” and “within 1 business day”, so don’t count on same-hour money. If you’re considering its instalment loan instead, ask for the interest rate in writing before you decide: the rate isn’t published, only the range of amounts and terms.
What we like
- Serves eight provinces, more than most online payday lenders
- Also offers instalment loans, which spread repayment over months
- Accepts pension and benefit income paid by direct deposit
What to watch
- Charges the provincial maximum of $14 per $100 on payday loans
- First loan is capped at $500
- May run a credit check, and past loans in collections hurt approval
Where GoDay lends
Other licensed lenders in Alberta
Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licence verified AB, BC, SK
- Cost per $100
- $14.00
- Borrow up to
- $25,000
- Funding
- Next business day
- Apply
- Online and in-store
Licensed per lender AB, BC, MB, NB, NL, NS, ON, PE, SK Confirm with regulator
A payday loan isn’t your only option. See lower-cost alternatives
Reviewed by Trust Pilot, Accredited Financial Counsellor Canada® on November 10, 2026. Our editorial standards
Sources
- Loans Canada lender profile (accessed November 7, 2026)
- Finder Canada: GoDay review (accessed November 7, 2026)
Update log
- — Profile published from public sources. Licences listed as stated by the lender; register check by Koke pending.