24 Hour Payday Loan Edmonton

Canada’s most accessible loans

Payday Loans in Alberta
Payday Loans in Alberta
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Payday Loans in Alberta
Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
Payday Loans in Alberta
Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
Alberta

Edmonton

Your Personal Payday Loan Solution

My Online Cash is quickly climbing the ranks as Canada’s number 1 alternative payday lender. And Edmonton knows why! Sky-high dental bills, emergency car repair, a veterinary bill that can’t wait until next pay; there are so many reasons why Edmonton residents need access to some quick funds. And when these financial strains arise, the stress levels rise, and it seems like time slips by way too quickly. In these situations, every minute becomes an important one. Which is why My Online Cash is proud to be able to offer Edmonton, and all of Alberta, fast, real-time solutions for cash advances and payday loans.

My Online Cash has developed an innovative, online payday loan process that allows Edmonton residents to apply, get approved, and receive their funds, all in the same day. Our application process is completed 100% online, and can be accessed 24 hours a day, 7 days a week. And, with our revolutionary algorithms, most Edmontonians will receive a response to their payday loan or cash advance application within a few short minutes. My Online Cash has made getting access to emergency funds, quick, painless and convenient!

But being fast is only one part of the equation! Developing the highest quality online product meant that My Online Cash couldn’t sacrifice safety for speed. We invested in the highest 256-bit encryption technology in order to keep Edmonton residents’ personal information safe and secure. We will also never sell or share your information with any third parties. My Online Cash is a direct lender which means that what Edmonton sees is what Edmonton gets!

My Online Cash has also put in place a very thorough Code of Conduct, which governs the employees as well as the business practices. We based our Code of Conduct off of the European model for lending, which focuses on responsible and ethical practices. Our aim is to provide honest, transparent and fair-lending practices to all of Edmonton, Calgary, and all other Alberta regions and cities. We have a team of highly-trained Customer Experience Advisors standing by, during Edmonton business hours, to answer any and all of your questions.

In order to be legally allowed to be a payday lender in Canada, a lender is obliged to be licensed. My Online Cash is fully licensed in Edmonton and is in full compliance with the Alberta government. Our Alberta payday loan license can be found on our home page for verification.

Some Alberta Cities Where We Provide Loans Are:




Our Reach Please note that our services extend far beyond the cities mentioned. We proudly serve all of Alberta.

My Online Cash provides licensed
short-term lending services.
Here are 5 reasons to choose us:

Credit Score Not Great?

Don't be discouraged by a poor credit score. What we're interested in is your ability to repay. Just because things went badly for you in the past doesn't mean you're not able to repay today. We use our assessment process to evaluate your overall financial situation. But of course, we don't want to contribute to making your situation worse, so our Code of Conduct directs us to never loan you any money we don't think you'll be able to repay.

Quick funding process

Residents of Alberta and the larger metropolitan area will appreciate our efficient short-term loan process. In most cases, your loan will be available the same business day. We have a streamlined approval system that you can use from the comfort of your home.

Simple application process

We know other companies require extensive documentation. No need to worry about that with us. We won't ask for faxes or letters, nor will we require you to come into our office to sign any documents. It's all streamlined, online, for your convenience.

Completely transparent

Our Code of Conduct assures you'll experience an ethical, responsible and transparent loan experience. Everything is clearly explained, and your questions are answered when you ask them. Everything you need to pay is explained up front and transparently. Our job is to provide clear lending services.

Safe and secure

Of course, we require some personal information to assess your application, but you can rest assured that your information is safe with our industry-standard encryption technology. Wherever you live in the Alberta area, from Delta to Richmond, Burnaby to West Vancouver, and beyond, this is a secure, straightforward, and transparent loan process.

We appreciate the positive response to our lending services from our clients in Alberta. Look forward to more short-term loan opportunities as we work to provide reliable financial services.



Best things about living in Edmonton, AB:

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.

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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%.

Representative Examples:
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%
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