Check out the FAQs below and go straight to your answer.


Do I qualify for a payday loan?

• You need to be employed full time or part time.
• You need to have been employed in your current job for at least 3 months
• You need to be older than 18 years of age.

What is a payday loan?

A payday loan or cash advance is a small short term loan of $100 – $600 until your next payday. A $100 cash advance costs about half what the bank charges you for a dishonour fee. Getting a payday loan usually works out cheaper than paying late fees on rent or bills and it also saves you time filling out paperwork and queuing up in banks in your lunch hour.

How do I repay what I borrow?

An automatic direct debit is set up for you the day you take your cash advance. You repay the cash advance on your next payday without even thinking about it.

What documentation is needed?

You can do the entire application process online in a few minutes. You don’t need to mess around faxing and scanning documents provided you supply all of the required information in the online application form.

How long does it take to get paid?

You will be paid into your bank account within 60 minutes of being approved when it is during business hours. If you confirm your cash advance after 3.00 pm your funds may not be available until the next business day when it is your first time. If you’ve done your first application outside of business hours you will not be paid until 60 minutes into the next business day.

Does Payday Pronto lend to me if I have a bad credit history?

Most lenders perform a credit check when they are deciding whether you can afford your first loan. You should be wary of lenders who do not, even if you need cash urgently, as they may not have your best interests in mind.
Even if you do have a default, you will still have a very good chance of being approved. Short term loans work differently from traditional loans. If you have a very bad credit record, are in a part nine debt arrangement or are bankrupt you may not be approved.