Warning - Is a Payday Loan right for you?*

A payday loan is an unsecured short-term loan to meet unexpected cash needs. When used for short-term cash needs, a payday loan is convenient and economical, but it is inappropriate to use for long-term or continuing cash needs.

A payday loan should be used responsibly and for the purpose for which it is intended, namely to solve temporary cash-flow problems by bridging the gap between paydays.

Payday loans are for occasional use only and should not be used to cover continual shortfalls in your budget. If you have ongoing problems meeting your financial needs or debt obligations, you have a couple of options. Take a learning path to budgeting, saving and other important financial education tools. Click here to obtain financial education materials. Or you should consider consulting with a credit counsellor. Click here to obtain information on credit counselling services.