Payday Loans in Alberta


At Email Money Now, we understand that life can throw unexpected curveballs, leaving you in a financial pinch. That’s where our payday loans come in. We believe that everyone deserves access to short-term financial assistance, regardless of their credit score or financial history. That’s why we offer simple and straightforward payday loans in Alberta.


We are here for you.

We understand that cash emergencies can come up at the most inopportune time, and you need prompt assistance. That’s why we offer Bad credit loans in Canada via Interac e-transfer even those with a bad credit score!

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Payday Loans: What Are They?

Payday loans are pricey forms of short-term loans that come with hefty costs. It is sometimes referred to as high-cost credit or high-cost loan. A maximum of $1,500 may be borrowed, with a maximum of 62 days to repay the loan.

The following distinguishes payday loans from other types of traditional loans:

  • You might only be able to leave them out for a few weeks at most.
  • Perhaps you can get by without a credit check.
  • When you pay on time, you forego interest and instead pay a fixed cost.
  • The lender plans your loan payments according to when you get paid.

When your next paycheck arrives, you have to repay some or all of the loan. You’ll incur additional fees and interest if you don’t make your payment on schedule. Your debt will rise as a result.

What Options to Consider Before Getting a Payday Loan

Make sure you have the money to pay back the loan on schedule and maintain your standard living expenditures.

In the event of a financial emergency, you might think about:

  • requesting an extension to pay your bills
  • utilizing vacation time
  • requesting a salary advance from your company
  • borrowing money from friends or family
  • Find out what to do in the event of a financial emergency.

Other less expensive solutions than a payday loan that you might want to think about are:

  • obtaining a credit line or loan from your banking company
  • obtaining a credit card cash advance
  • using your checking account’s overdraft protection
  • requesting payment holidays on your credit card and deferrals for your mortgage from your lenders

How Much A Payday Loan Costs

When considering alternative forms of borrowing, payday loans are extremely costly.

This is due to:

  • You spend a lot on fees.
  • If your check or pre-authorized debit doesn’t process, you can be charged a fee.
  • If you don’t repay the loan on time, you can have to pay interest.

These expenses can make it more difficult for you to repay your loan, which could lead to or exacerbate stress and financial troubles.

Make sure you have the money to repay the loan on time before taking out a payday loan. If not, things could get worse for you financially. You might have to make large payments over time if your debt keeps increasing.

Are Payday Loans Legal in Alberta?

Yes, payday loans are legal in Alberta, Canada, as permitted under section 347.1 of the Criminal Code. The regulation mandates that the province of the borrower must have sufficient provincial legislation regarding payday loans. In the absence of such laws, Usury Laws regulate payday loans.

The law in Canada restricts the rates charged for payday loans, making it illegal to charge an effective compound interest rate above 60%. To ensure compliance when applying for online payday loans, it’s advisable to be familiar with the regulations, which vary from one Canadian province to another.

Borrowers are subject to the laws implemented in their respective provinces, which may include caps on interest rates and provisions for canceling an online loan.

Why Choose Email Money Now for Payday Loans in Canada?

There are several advantages to choosing Email Money Now for your payday loan needs:

No Credit Check

Unlike traditional lenders, there’s no credit check required when applying for a payday loan with us, making it possible to get a loan even with a poor credit score.

No Collateral Needed

Traditional lenders often require collateral, but with Email Money Now, no collateral is necessary. Proof of employment is sufficient to secure the loan.

Instant Approval

Our online payday loans offer quick approval, with a simple application process that takes less than an hour to complete. Once approved, funds are usually deposited into your bank account within a couple of hours.

Minimal Documentation

Unlike traditional lenders that require extensive documentation, our online payday loan application process is streamlined, eliminating the need for piles of paperwork.

Requirements for Payday Loans

To apply for an online payday loan, you’ll need to meet the following requirements:

  • Legal age: You must be of legal age, supported by a valid ID.
  • Active bank account: Details of your bank account are required for depositing the loan.
  • Proof of income: Evidence of employment or a reliable source of income is necessary, serving as security for the loan.

Online Application Process

  1. Fill out the application form on our official website.
  2. Provide personal information and banking details.
  3. Our staff will verify your application.
  4. You’ll receive a response within an hour.
  5. Upon approval, funds will be deposited into your bank account.

Contact Us Now for Your Payday Loans

In case of emergencies requiring immediate funds, contact our team to apply for an online loan. With high approval rates, funds can be deposited into your account within 24 hours, even with a poor credit score. Our quick application process ensures you can cover any financial emergencies until your next paycheck.

// Canada’s favourite loan provider

We have got you covered!

In case of emergencies requiring immediate funds, contact our team to apply for an online loan. With high approval rates, funds can be deposited into your account within 24 hours, even with a poor credit score. Our quick application process ensures you can cover any financial emergencies until your next paycheck.

Loan Types we offer: 

Payday Loans

Bad credit Loans

No credit check loans

Micro Loans

Bad credit loans Canada
We are dedicated to our clients.

We believe that you are the most significant part of our business. Therefore, we are dedicated to ensuring you receive the best possible experience when you come to us.

The perfect loan for every situation

Micro Loan

Your rent is due and you want to avoid an uncomfortable situation with your landlord? Don’t worry, we have just what you are looking for – a short term loan between 300$-3000$ directly transferred into your bank account within 24 hours of approval! 

Bad Credit Loans Canada

Our cars are part of our everyday life and help us getting to work or to a supermarket to buy or food – but what when it breaks, the bank account is empty and an approval for a traditional loan is just too good to be true? Our bad credit loans offer help in situations like that. 

No Credit Check Loan

Medical emergencies can happen anytime and no matter if they concern you or one of your loved ones, you never should have to worry about having the financial means to cover a bill – that’s why our no credit check loans are issued fast, with significantly less paperwork and directly into your bank account. 

Payday Loan

Loans can not only be used for emergencies and unpaid bills, sometimes they simply allow us to enjoy life and fulfill ourselves or one of our loved ones the dream of travelling. A Payday loan is the right choice for you if you want to spoil yourself but your next payday is too far away. 

Your one-stop solution for financial problems.

The approval process for our loans is quick. – as long as you submit your application by the end of the day, you can expect your funds to arrive in your bank account the next business day.

Bad credit loans Canada

//we’ve got you covered

Loans made easy with our easy 3-step process

01. Fill out our online application

 Fill out our quick and simple application and let us know the loan amount you would like to apply for. 

02. Wait for our approval

 Our experienced agents will review your application and approve your application.

03. Receive your funds directly into your bank account

 After you have been approved, you can expect the money to arrive within the next 24 hours via Interac e-transfer.