Frequently Asked Questions (FAQs)

What is a loan with no refusal?

A loan with no refusal is a type of financing where the chances of approval are very high, even with poor credit. At PaydayBuddy, we work with flexible lenders who prioritize your current income over your credit history.

Can I get a loan even with bad credit?

Yes. At PaydayBuddy, your credit score isn't a barrier. We assess your current repayment capacity, not your financial history.

How much can I borrow with PaydayBuddy?

You can borrow between $100 and $1,500, depending on your income, province, and lender policies.

How long does it take to receive the funds?

Once your application is approved, the funds are usually sent via Interac e-Transfer within 15 to 30 minutes.

What are the eligibility requirements?

• Be 18 years of age or older
• Be a Canadian resident
• Have a stable income (employment, benefits, etc.)
• Have an active bank account
• Provide valid identification

Do I need to provide collateral?

No. All our loans are unsecured, meaning no personal assets are required as collateral.

How long do I have to repay my loan?

The repayment period varies depending on your province:

• Ontario: 14 to 31 days
• Quebec: up to 90 days
• Alberta & BC: up to 62 days

The lender will provide you with the exact terms upon approval.

Can I apply 24/7?

Yes. Our form is available online 24/7. Decisions are made quickly, even in the evening or on weekends.

Are there any hidden fees?

No. PaydayBuddy works with transparent lenders. All fees are clearly displayed before you accept the loan.