Updated September 2026
Rates and fees
Every cost for every service, in one place, before you visit or apply. Payday loan pricing is capped by Ontario law; the rest is quoted before you say yes.
Payday loans
The cost of borrowing is $14 per $100, the Ontario maximum, on every loan we write. The loan is repaid in one payment on your next pay date (terms are 62 days or less).
| You borrow | Cost of borrowing | You repay on payday |
|---|---|---|
| $100 | $14.00 | $114.00 |
| $300 | $42.00 | $342.00 |
| $500 | $70.00 | $570.00 |
| $1,000 | $140.00 | $1,140.00 |
| $1,500 | $210.00 | $1,710.00 |
APR on a 14-day loan: 365%. The APR expresses the same $14 per $100 as an annual rate; the dollar cost does not change with term length.
| Other charges | Amount |
|---|---|
| Application fee | $0 |
| Cancelling within two business days | $0, return the amount advanced |
| Repaying early | $0 extra, and the cost of borrowing does not increase or decrease |
| Returned / dishonoured payment | A one-time fee of up to $25, as permitted by Ontario regulation |
| Interest on an overdue balance | Up to 2.5% per month (not compounded), as permitted by Ontario regulation |
- Cost of borrowing
- $42.00
- You repay
- $342.00
- Term
- 14 days
- APR
- 365%
Based on Ontario's maximum cost of borrowing of $14 per $100 on a 14-day term. Your term matches your next pay date; the cost per $100 stays the same. Loans are available from $100 to $1,500.
Other services
These prices are set at the counter or by the service provider. We always quote before you commit, and you can walk away at no charge.
| Service | How it's priced | Notes |
|---|---|---|
| Money transfer | Fee and exchange rate set by Western Union, Ria or MoneyGram; varies by destination, amount and payout method. | Full quote shown before you pay. |
| Cash for gold | Weight × purity × the day's market rate. Evaluation is free. | Must be 18+. No obligation to sell. |
| Bitcoin ATM | Fee and rate displayed on screen before you confirm each transaction. | Limits and any ID checks shown on the machine. |
| Passport photos | Flat price per set. Ask at the counter or call 905-436-0000. | Free retake if rejected for a photo-quality reason. |
Fees on this page were last reviewed in September 2026. If anything here differs from what's posted in store, the in-store posting and your signed agreement govern.
Questions about a cost?
Call 905-436-0000. We'd rather explain a fee twice than surprise you once.