GoDay: Overview
GoDay is an online payday lender headquartered in Toronto that has been issuing loans since 2012. They operate across eight provinces and run entirely online, with applications accepted and reviewed around the clock.
Whether you need to cover a bill before your next pay date or handle a repair that cannot wait, GoDay can get you between $100 and $1,500, with a pre-approval decision in seconds.
Is GoDay Legit?
Yes. GoDay has been operating since 2012 and publishes a payday lender licence certificate for every one of the eight provinces they lend in. They also hold BBB accreditation with an A- rating and are a member of the Canadian Consumer Finance Association. On Trustpilot they hold 4.6 out of 5 across more than 4,400 reviews.
Are You The Right Borrower For GoDay?
GoDay can be a good fit for you if:
- Your Income Is Not A Paycheque – You do not need a job to apply. GoDay accepts Canada Child Benefit, the Disability Tax Credit, Old Age Security, CPP and private pensions, and renters are welcome. If you have been turned away elsewhere for not having an employer, GoDay is worth a try.
- You Need The Money Today – Applications are reviewed around the clock and pre-approval comes back within seconds. Once you are approved the funds go out straight away, by direct deposit or e-transfer.
- You Want To See Real Feedback First – GoDay holds 4.6 out of 5 across more than 4,400 Trustpilot reviews, and they are BBB accredited with an A- rating. If you like to check who you are dealing with before you apply, there is plenty to read.
What We Verified
What We Verified
Last checked 8 Oct 2026What They Offer
One product, with a cap that rises the more you borrow from them.
Payday Loan
$14 per $100 borrowedA short advance against your next pay, due on your next pay date.
Loan Features
- You Do Not Need A Job – Employment income, Canada Child Benefit, the Disability Tax Credit, Old Age Security, CPP and private pensions are all accepted.
- A Trust Rating That Follows You – GoDay scores your history with them. A missed payment knocks it down, which affects what you can borrow next time.
- One Loan At A Time – You have to clear the current loan in full before you can apply again. No stacking.
- Extended Payment Plans In Some Provinces – Depending on your province and your history with them, you may be offered longer to pay. It is disclosed during approval rather than something you have to ask for.
- No Hidden Fees – GoDay displays its payday loan pricing on the homepage and again on your loan agreement, so what you see is what you pay.
- Entirely Online – The application takes under five minutes, there is no store to walk into, and the automated system returns a decision in seconds.
How Fast You Get Your Money
| Stage | How long it takes |
|---|---|
| Filling in the application | Under 5 minutes, online |
| When you can apply | 24 hours a day, 7 days a week |
| Pre-approval decision | Within seconds of submitting |
| Getting the money | Sent as soon as you are approved. Arrival depends on your bank and the time you applied |
| How it arrives | Direct deposit or email money transfer |
The decision is automated, which is why it comes back in seconds. If something needs a second look, a GoDay representative gets in touch by phone or email.
Customer service runs 8am to 9pm Monday to Friday and 9am to 5pm at weekends, Eastern time, every day of the year except Christmas Day.
Who Qualifies
| Requirement | What you need |
|---|---|
| Income | A steady income paid by direct deposit. Employment is not required |
| Bank account | An open account with a Canadian bank or credit union |
| Age | 18 or older, and a Canadian resident |
| Contact details | Your own valid email address and a home or cell number |
| Credit | Poor credit will not automatically decline you |
| Housing | Renters accepted |
| Loan size | $100 to $1,500 |
| Availability | 8 provinces |
Income GoDay Accepts
You do not need an employer. GoDay funds loans on all of the following:
- Employment income
- Canada Child Benefit
- Disability Tax Credit
- Old Age Security
- Canada Pension Plan
- Private pensions
If you are raising children on CCB, or living on a pension, and you have been declined elsewhere for not having a payslip, GoDay is worth an application.
What Will Hurt Your Application
The decision is automated and weighs several things at once: your income, how long you have had it, and what you already owe. Poor credit on its own will not sink you.
What does count against you is anything sitting in collections with another payday or short term lender. That makes acceptance significantly less likely, so clear it first if you can.
How To Apply
The application runs across three steps, and it opens by creating an account rather than asking you anything about the loan.
What Each Step Asks For
Those three steps are the three things GoDay weighs: your contact information, your employment information and your banking information. There is no paperwork to upload and nothing to fax.
The account you create stays with you. You use the same login to check your loan history, apply again and pay a loan off early.
GoDay keeps offices in Toronto, Vancouver, Calgary, Regina, Fredericton and Dartmouth, but they do not take applications in person or hand out cash at any of them. The whole process runs online.
What A GoDay Loan Costs
GoDay charges $14 per $100 borrowed, which is the maximum their provinces allow.
| You borrow | Cost of borrowing | You repay |
|---|---|---|
| $100 | $14 | $114 |
| $300 | $42 | $342 |
| $500 | $70 | $570 |
| $1,000 | $140 | $1,140 |
| $1,500 | $210 | $1,710 |
The fee is the same everywhere. The annual rate is not, because the term changes by province.
| Province | Term in their example | APR |
|---|---|---|
| BC, Ontario, New Brunswick, Saskatchewan | 14 days | 365% |
| Manitoba | 12 days | 425.83% |
| Alberta | 42 days, paid weekly | 121.67% |
| Nova Scotia, PEI | Not published | Not published |
In Manitoba the dollar cost is identical to Ontario, but the term runs 12 days instead of 14, so the same $14 works out to 425.83% a year. A shorter term pushes the annual figure up even when the money you hand over does not change.
Note
These numbers are for illustrative purposes only. Actual numbers may vary.
Miss the repayment and you are charged a one-time missed payment fee, with interest continuing to build on the balance until it is cleared. It also lowers your GoDay trust rating, which affects what you can borrow next time.
When The Payment Comes Out
Your loan is due on your next regularly scheduled pay date, and GoDay withdraws it automatically. There is one useful exception. If your next pay date falls within two days of taking the loan, it rolls to the pay date after that, so you are not repaying almost immediately. If you need to change the arrangement, call at least two business days before the date.
Is GoDay Licensed?
Yes, in all eight provinces it lends in, and every certificate carries a number you can take to the regulator yourself.
| Province | Licence | Regulator | Valid to | Status |
|---|---|---|---|---|
| Ontario | 4726423 | Ministry of Public and Business Service Delivery, Payday Loans Act 2008 | 31 Jul 2027 | Verified |
| British Columbia | 67513 | Consumer Protection BC | 31 Oct 2026 | Verified |
| Alberta | 347297 | Service Alberta, Director of Fair Trading | 31 Mar 2027 | Verified |
| Saskatchewan | 316782 | Financial and Consumer Affairs Authority | 11 Jan 2027 | Verified |
| Manitoba | 77938 | Consumer Protection Office | 23 Nov 2026 | Verified |
| New Brunswick | 170060377 | Financial and Consumer Services Commission | 13 Mar 2027 | Verified |
| Nova Scotia | 262482555 | Service Nova Scotia | 31 Jul 2027 | Verified |
| Prince Edward Island | 41825 | Consumer, Labour and Financial Services | 5 Sep 2026 | Verified |
Eight provinces means eight sets of rules, and GoDay publishes a separate cost of borrowing statement for each one. So you can see your own province’s figures before you apply rather than after.
GoDay’s British Columbia licence covers two websites, goday.ca and flexmoney.ca. So if you come across Flexmoney while shopping around, you are dealing with the same company.
What Customers Say
Profile claimed since December 2016, with 77% of reviewers giving five stars and 6% giving one.
Accredited with the Better Business Bureau since March 2015, with 10 complaints filed in the last three years.
GoDay Inc. has been lending online since April 2012.
The good reviews say much the same thing: the application is short, the money arrives within hours by e-transfer, and the staff are easy to deal with on the phone. Several mention being given flexibility on a repayment date.
The one star reviews raise two complaints. Emails and support requests sometimes go unanswered, and some borrowers describe a withdrawal that did not match what they expected, in a few cases causing an NSF fee. While that is a small share of 4,469 reviews, it points to one practical habit. If a payment date needs changing, phone rather than email, and do it at least two business days ahead.
GoDay replies to 96% of its negative Trustpilot reviews, usually within a week.
GoDay Pros
- A Long Track Record – GoDay has been lending online since 2012.
- Plenty Of Independent Feedback – 4.6 out of 5 across more than 4,400 Trustpilot reviews, plus BBB accreditation and an A- rating.
- Bad Credit Is Considered – Poor credit will not automatically decline you. Your income, how stable it is and what you already owe are weighed alongside it.
- Benefit And Pension Income Accepted – CCB, the Disability Tax Credit, OAS, CPP and private pensions all count.
- Eight Provinces – BC, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia and PEI.
- Prices Published By Province – A separate cost of borrowing statement for each one, so you see your own figures before applying.
- Every Licence Published – All eight certificates are on their site with numbers and expiry dates you can check against the regulator.
- A Decision In Seconds – The automated system pre-approves you within seconds of submitting, and funds go out as soon as the loan is approved.
GoDay Cons
- High Cost – Payday loans are charged at $14 per $100, the provincial maximum. That works out to 365% a year in most provinces, and 425.83% in Manitoba.
- $1,500 Is The Ceiling – Enough for a bill or a repair, but not enough to consolidate anything substantial.
- A Missed Payment Costs You Twice – A one-time fee plus accruing interest, and a lower trust rating, which sets what you can borrow next time.
- Complaints On File – While Trustpilot is strong at 4.6 from more than 4,400 reviews, the Better Business Bureau logs 10 complaints against GoDay in the last three years.
How GoDay Compares
| GoDay | PAY2DAY | Speedy Cash | Loan Express | |
|---|---|---|---|---|
| Loan amount | $100 to $1,500 | Up to $1,500 | $100 to $1,500 | Up to $1,500 |
| Term | Your next pay date | Next payday, 42 days in Alberta | 14 days | Up to 62 days |
| Cost | $14 per $100 borrowed | $14 per $100 borrowed | $14 per $100 borrowed | $14 per $100 borrowed |
| Approval and funding | Pre-approval in seconds, funded on approval | 24/7 approvals, e-transfer in 1 to 2 hours, or cash in store | Same day, by e-transfer, debit card or cash in store | E-transfer within minutes of signing |
| Stores | None, online only | 37, in four provinces | 19, in four provinces | None, online only |
| Where | 8 provinces | ON, BC, AB, NS | 8 provinces | 8 provinces |
Before You Borrow, Try These
Two options are worth ruling out first.
A Cash Advance App
Run the numbers and the gap is hard to ignore. A $500 payday loan from GoDay costs $70 in fees. A cash advance app charges a flat monthly membership of a few dollars, whatever you draw, and most will advance a new user $100 to $500.
They work the same way from your side. The money goes to your bank, it comes back out on your pay date, and your credit file is not part of the decision. What you give up is the option to go bigger later, since these apps raise your limit slowly and none of them reach $1,500.
| Lender | Product | Interest Rate | Amount | Fees | Availability | Apply |
|---|---|---|---|---|---|---|
 Bree | Cash advance line of credit | 0% | Up to $750 | Optional $2.99/month membership fee |
| Apply |
 Nyble | Credit building line of credit | 0% | Up to $250 | FreeOptional $11.99/month membership fee with added perks |
| Apply |
 KOHO Cover | Cash advance | 0% | Up to $500**Eligibility criteria and Terms and Conditions apply. | Starting at $2/monthCover bundle subscription; KOHO account required |
| Sign up |
Check Out Your City Services
GoDay lends in eight provinces, and every one of them runs its own emergency assistance. Most people never find out what theirs offers.
211.ca is the one place that covers all of them. It is free, confidential and searchable by postal code. It lists the community and government programmes in your area. That includes one-time grants for rent you have fallen behind on, a utility about to be cut off, a deposit you cannot raise, or a dental bill that will not wait. The money does not get repaid.
You will need to produce more than an online application asks for, usually photo identification, recent bank statements and proof of income. The answer takes days rather than minutes. Put your postal code in before you decide borrowing is the only route.
How We Reviewed GoDay
This review draws on the information GoDay publishes about itself, together with publicly available sources including provincial licensing records. Every lender in our directory goes through the same eleven point verification check, and you can read about how that works on our review methodology page.
