PayCheck Plus

PayCheck Plus is licensed to offer payday loans in Ontario and British Columbia, and specializes in providing these payday advances online.

The company's services are focused on payday advances, which are an alternative source of short-term loan, primarily offered to the unbanked and under-banked Canadians.

Because of the high costs of borrowing via payday advances, you should not consider these loan products as solutions for long-term money problems, and even in the short-term, there might be cheaper alternatives.

These alternative sources often include wage advances from an employer, small consumer loans from your local credit union, or credit card cash advances, if applicable.

As part of your research into the viability of payday lending for your funding needs, you should also read through the payday loans in your province, to fully understand your rights as a consumer.

How to Apply for a Payday Advance Loan from the Company

Before you are eligible to apply for a payday advance from the service, you need to meet a few qualifications, such as:

you must be currently employed, and must have been with this employer for a minimum of 6 months,
you must be a resident of Ontario or British Columbia,
you must have a bank account with a Canadian bank, and
you must have a monthly net income of at least $1,500.

If you are a first time customer, the application processing will take a longer time than it will take as a returning customer, due to the fact that the firm needs to verify a lot of information before a loan decision.

Filling out the online application form is a fast and easy process, but you need to have a selection of documents scanned and in electronic format before you start the application process.

The amount of money you can qualify for will depend on your income level, but usually that translates up to 30% of your net pay (as shown on your most recent pay stubs).

As a first time applicant, the approved funds will typically be transferred the next business day, while returning customers may see the funds deposited faster.

› PayCheck Plus


Cash advances should be used for short-term financial needs only, not as a long-term financial solution.

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