Frequently asked questions

Between $100 and $1,500. Ontario law limits a payday loan to 50% of your net pay for the pay period, so the exact amount depends on your income. The loan is repaid on your next pay date.

$14 for every $100 you borrow. That's the maximum Ontario allows and the only charge on a loan repaid on time. Borrow $300 and you repay $342; borrow $500 and you repay $570 (APR 365%). There is no application fee. See rates & fees.

In store, most decisions are made during your visit and you leave with cash. Online applications are reviewed during business hours; once your agreement is signed we pay out by Interac e-Transfer or you can collect cash in store.

Our decision is based mainly on your income, your pay schedule and your banking history, so a low credit score is not automatically a barrier. We verify your identity and income for every loan, as Ontario law requires.

Call us before the due date. We'd rather talk it through than see a payment bounce. Ontario law caps what a lender can charge after a missed payment, and if you've taken three payday loans within 63 days you have the right to an extended payment plan. Details are on our borrower rights page.

No. Ontario prohibits rollover loans, and we won't offer a new loan until the current one is repaid in full. If a payday loan is becoming a regular fix, our borrower-rights page lists free, non-profit credit-counselling options.

Yes. You may cancel within two business days of receiving the money by returning the amount advanced, at no cost. You can also repay early at any time, and the cost of borrowing does not increase for paying sooner.

Government-issued photo ID, your most recent paystub, proof of address (a utility or phone bill) and a void cheque or pre-authorized debit form for the account your pay goes into. Full details are on the application page.

For a payday loan, yes. Your pay must be deposited into a Canadian bank account, and repayment is taken from that account on your pay date. Gold buying, money transfers and passport photos don't require an account at all.

Western Union, Ria and MoneyGram, for sending and receiving. Fees and exchange rates depend on the destination and payout method. We show you the quote before you send.

We test the purity (karat) and weigh your items in front of you, then price them on the day's gold market rate. Evaluations are free with no obligation to sell, and you must be 18 or older.

The machine takes cash and is for buying only: Bitcoin, Ethereum, Solana, USDC and other supported coins. It's operated by FastBTC, an independent ATM network, which sets the fees and limits; both appear on screen before you confirm. FastBTC handles selling separately through its own website, paid by Interac e-Transfer. Identity verification may be required by Canadian anti-money-laundering rules.

We shoot to the Government of Canada specification (50 mm × 70 mm, plain background, neutral expression) and stamp the back with our studio details and the date as required. If a photo is rejected for a photo-quality reason, we retake it at no charge.

129 King St E, Unit 2, Oshawa, ON L1H 1C2, downtown Oshawa on King Street East. Monday to Friday 10 AM–7 PM, Saturday 10 AM–5 PM, closed Sunday. Get directions.

No. Every service is walk-in. If you're applying for a payday loan, starting online first usually shortens your visit.

Call 905-436-0000 during business hours or email info@paydayloandirect.ca. Please don't email ID or bank documents. Use the secure application form instead.