Last reviewed November 7, 2026 by the Koke editorial team.
Pay2Day lends payday loans of up to $1,500, capped at half your net pay, in Alberta, British Columbia, Nova Scotia and Ontario. It charges up to $14 per $100 and pays out in cash at its stores or by Interac e-Transfer, usually within one to two hours of approval.
Last reviewed November 7, 2026
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 | |
| 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 |
Apply now opens Koke’s application page, which sends your answers to our matching partner LeadScout. It may match you with Pay2Day or with other lenders. Koke may be paid for referrals and for clicks to lender websites; that never changes our rating. Disclosure
Apply online, through the app or at one of Pay2Day’s stores. The loan is limited to half your net pay. Store customers can receive cash; online borrowers get an Interac e-Transfer, usually within one to two hours of approval. In Alberta the loan is repaid over at least 42 days in instalments; elsewhere it’s due on your next payday.
Pay2Day holds separate licences in each province under different company names. Check the licence for your province on the regulator’s site, and make sure the name matches the contract you sign.
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
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.
Licence verified AB, BC, SK
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.
Licence verified AB, BC, MB, NB, NS, ON, PE
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.
A payday loan isn’t your only option. See lower-cost alternatives
Tell us what you need once. Our matching partner LeadScout looks for the lender that fits your answers and takes you straight to the offer. Read the cost, compare it with the alternatives, and only sign if it works for you.
Koke is not a lender and may be paid when you apply. Lenders decide approval, cost and terms. No SIN, online-banking login or ID photos asked.
