Online Payday Loans British Columbia
Canada’s most accessible loans
British Columbia
The Payday Loan British Columbians Need
When the unexpected happens, you need extra money for unexpected expenses. What do you do? Borrow from family? That can be complicated. Apply for a line of credit? But that can take too long. You need a solution now. A post-dated check? That can be tricky. How about a cleaner, faster, easier solution than any of those options?
My Online Cash offers quick and easy online payday loans to Abbotsford, Kelowna, Vancouver, Victoria and throughout British Columbia. You have access to our cash advance program and our great flexible installment plan. Tailor your loan to your needs, fast and easy.
We offer you a payday loan that can be approved in just minutes. And once approved, just 5 minutes after signing your contract we’ll have your money e-transferred into your bank account. So, whether you need the car or computer repaired, emergency dental work or last-minute tuition fees, our payday loans can do the trick.
Some British Columbia Cities Where We Provide Loans Are:
-
Resort Towns
- Whistler
- Fernie
- Kimberley
- Invermere
- Harrison Hot Springs
- Fairmont Hot Springs
- Peachland
- Osoyoos
- Naramata
- Radium Hot Springs
-
Coastal Towns
- Nanaimo
- Gibsons
- Sechelt
- Powell River
- Prince Rupert
- Port Alberni
- Port Hardy
- Squamish
- Pemberton
- Lillooet
-
Interior Cities
- Kamloops
- Kelowna
- Vernon
- Penticton
- Cranbrook
- Castlegar
- Merritt
- Oliver
- Creston
- Armstrong
-
Mountain Towns
- Revelstoke
- Golden
- Cranbrook
- Nelson
- Castlegar
- Trail
- Rossland
- Salmo
- Creston
- Elkford
- Sparwood
- Fernie
-
Island Communities
- Victoria
- Courtenay
- Campbell River
- Parksville
- Duncan
- Ladysmith
- Sooke
- Ucluelet
- Chemainus
- Cowichan Bay
- Cumberland
- Crofton
-
Other Communities
- Hope
- Grand Forks
- Kent
- Keremeos
- Lake Cowichan
- Enderby
- Princeton
- Chase
- Okanagan Falls
- Port McNeill
- Tumbler Ridge
- Blind Bay
-
Other Towns
- Mission
- Ladner
- Tsawwassen
- Fort St. John
- Dawson Creek
- Williams Lake
- Quesnel
- Aldergrove
- Kitimat
- Smithers
- Houston
- Vanderhoof
Our Reach Please note that our services extend far beyond the cities mentioned. We proudly serve all of British Columbia.
WHAT'S THE BEST LOAN FOR YOU?
Apply for a short-term loan from the comfort of your home. Our assessment process helps determine your eligibility based on your financial situation. Licensed and regulated lending services.
Safe & Secure
Completely confidential and secure, guaranteed! We use the same high security standards like the banks.
Expert Support
Our support staff. Always ready and available to answer any questions that you may have to ensure you get the loan you need.
No Hidden Fees
Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.
Flexibility
Your interest fee is unchanged, whether it’s better for you to pay in 1, 2 or 3 equal repayments.
Transparent
Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.
Fast
Quick application process with same-day decisions. You'll receive your loan terms and repayment schedule of 1, 2 or 3 installments based on your needs.
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Licensed Short-Term Loans
Borrow up to $1,500 from a licensed and regulated lender. Simple online application with flexible repayment options. Same-day e-transfer available.
Short-term loans are high-cost loans. Loan amounts depend on net pay and other qualifying
requirements. Repayment terms: 62-180 days.
Example: A $500 loan over 90 days at 32% APR would cost $39.45 in interest, with total repayment of $539.45.
British Columbia Residents: The maximum fee allowed for a short-term loan in BC is 14% of the
principal. We charge $14 per $100 borrowed. For example, a $300 loan over 62
days has a total borrowing cost of $42, requiring repayment of $342, with an
APR of 82.45%
Manitoba Residents: The maximum allowable charge is 14% of the principal. We charge
$14 per $100 loaned. Example: A $300 loan for 62 days costs $42 to borrow, with
total repayment of $342 and an APR of 82.45%. Contact Manitoba Consumer Protection
Office at 1-204-945-3800 or visit gov.mb.ca/cp/cpo.
Nova Scotia Residents: Cost of borrowing is $14.00 per $100 on a $300 loan for 62
days (82.45% APR).
Ontario Residents: Maximum cost is $14 per $100 borrowed. We charge $14 per
$100. A $500 loan for 90 days costs $70 to borrow, with total repayment of
$570 and an APR of 56.89%.
Saskatchewan Residents: Maximum cost is $14 per $100 borrowed. We charge $14 per
$100. A $300 loan for 62 days costs $42 to borrow, with total repayment of
$342 and an APR of 82.45%.
| Borrowed Amount | Period | Monthly Interest | Total Interest | Total Payback Amount | APR |
|---|---|---|---|---|---|
| $10,000 | 3 months | $291.67 | $875.00 | $10,873.00 | 35% |
| $20,000 | 3 months | $500.00 | $1,500.00 | $21,500.00 | 30% |
| $50,000 | 6 months | $1,041.67 | $6,250.00 | $56,246.00 | 25% |
| $100,000 | 6 months | $1,666.67 | $10,000.00 | $110,000.00 | 20% |