Express Payday Loans™ is our fast cash advance (payday loan) service, providing you with funds when you need it most.

How it Works

Express Payday Loans™ has shortened the payday loan process in order to meet your urgent needs. All you need to do is to apply and get approved, sign the loan document and the funds are instantly deposited into your bank account. The entire process could take as little as 5 minutes! Apply Online and complete the application form. (You will need a valid email address as well as an active chequing account in your name, means of identification, preferably driver’s licence, and a working phone number)


How to Pay Back Your Loan

You pay back through direct debit on your bank account.

Please ensure that the repayment amount is available in your Bank Account 24 hours before repayment due date. If amount (would not be available in 24 hours before repayment due date), Kindly contact Our Customer Relationship Desk on 1 905 783 2472 to schedule a repayment meeting.

Please note that Payday Loans Act do not allow us to refinance or apply for a new loan until the old loan is paid back.


Funding Schedule:

For application received before 2.00pm, funds would be received before 5.00pm of the same. However, for application received after 2.00pm, the fund would be received by 5.00pm the following day.

This is due to the banking deadline for direct deposit into bank accounts

Pricing & Rates

Based on the Payday Loans Act 2008, we are allowed to charge a maximum of 21% for a 14-day loan and 42% for a 30 day loan. However, we only charge 17.5% for 14-day loans.

Rate and Term Chart (14 Day Loan Example)

Advance Amount

Amount Financed
  • $100
  • $200
  • $300
  • $400
  • $500

Finance Charge

Cost of Loan
  • $21
  • $42
  • $63
  • $84
  • $105

Payment Amount

Total of Payments
  • $121
  • $242
  • $363
  • $484
  • $605


Maximum Loan Amount

Residents of Ontario may receive up to $1,500.

Loan Terms

Generally, your loan payments will be scheduled on your next payday that falls between 5 and 40 days away.


In accordance with Ontario, Canada law your loan must be paid in full by the due date.

How can we charge so little?

Reduced Overhead. Express CA Corp operates strictly online and by telephone. Because of this, we are able to keep our overhead cost lower than the competitors and pass the savings onto you.

Distinct Vision. We want to serve as a bridge from financial servitude to financial freedom. The services we provide are here to help make financial decisions easier. This is the foundation of our corporate culture.

Optimized Business Processes. Our unique business model is hinged on efficiency and effectiveness. Our processes are well optimized to reduce redundancy so our clients are served well and on time.

Express Money Today™ is our fast cash advance service, providing you with funds when you need it most.    

This information is required under the Payday Loans Act, 2008.

Maximum allowable cost per $100 borrowed: $21.00
Cost per $100 borrowed: $21

Example: Your $300 loan for 14 days
Amount advanced: $300
Total cost of borrowing: $63
Total you repay: $363
This poster is required under the Payday Loans Act, 2008.

Payday Loan Acts 2008, Educational Materials

Ontario Payday Loans Act

Ontario Payday Loans Act Regulations 98/09

expresscaPAYS CASH Pricing Compared

Express Ca Corp. Payday Loan Licence
Ministry of Government & Consumer Markets