Speedy Cash payroll advances has six locations, available in Regina, Saskatoon, Moose Jaw, North Battleford, Prince Albert, and Yorkton.
The company, which is Canadian
owned and operated, specializes in providing payday cash advance loans
in the locations where they operate, with loan amounts up to $1,500
(with repayment on your next payday).
With the company, the maximum loan amount is calculated as a percentage of your next earnings (as verifiable from your most recent pay stubs), with the repayment happening either via a post dated cheque, or by you pre-authorizing a payment.
Saskatchewan is one of the provinces that have been heavily regulating the payday lending industry, and you should familiarize yourself with these rules to fully understand your rights as a consumer.
You should also research the alternatives to payday lending, which carries very high borrowing costs, as measured by APR (annual percentage rate).
In Canada, these alternatives range from taking a cash advance on your credit card to small consumer loans from your local credit union.
Also, if you need advice on monetary matters and personal budgeting, there are many non-profit organizations throughout the country, ready to advise how to best solve financial problems.
To apply for a payday from Speedy Cash, you need to visit one of their
locations: Regina, Yorkton, Moose Jaw, Saskatoon, Prince Albert, or
To qualify for a loan having a regular employment, your need to bring with you to the store (according to the company's official website):
your last pay stub or proof of last direct deposit,
bank statement showing the last 30 days transactions,
pre-authorized payment form or a blank personal cheque, and
2 pieces of government issued ID
In-store, the application process will take an estimated 15 minutes, and if approved, you will get the loan funds on the spot, with repayment on your next payday from regular income.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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