Example:

For a $300 loan for 14 days:

Total cost for borrowing = $45

The Annual Percentage Rate = 391.07% per year.

This information meets the requirements of the Business Practices and Consumer Protection Act.
License Number 59868.

This information meets the requirements of The Consumer Protection Act

Example: $300.00 loan for 14 days
Principal: $300.00
Total Cost of Credit: $45.00
Total to Repay: $345.00
Annual Percentage Rate (APR): 391%

If you have any questions or concerns about payday loans, cancellation rights or collection practices, contact the Financial and Consumer Services Commission (FCNB) toll free at    1-866-933-2222.

This information meets the requirements under the Cost of Credit Disclosure and Payday Loans Act.
For education material, please click here

Example:

For a $300 loan for 14 days:

Total cost for borrowing = $45

The Annual Percentage Rate = 391.07% per year.

This information meets the requirements of the Business Practices and Consumer Protection Act.
License Number 59868.

$17

Per $100 borrowed

Example: $300 loan for 14 days

Principle Amount $300

Total Cost of Borrowing $51

Total to Pay $351

This Information conforms to the requirements of the Payday Loans Act.

Finance Charge of 17% of the loan principal, payable on the loan repayment date.

NSF Charge of $25, for a dishonoured pre-authorized debit. This charge is payable only once per loan, regardless of the number of cheques or pre-authorized debits dishonoured.

Default Interest of 30% per annum will be charged on the outstanding principal balance of the loan until paid in full, if you fail to pay the loan in full on the repayment date.

Notice: A Payday Loan is a high cost loan.

Payday Loan Disclosure:

Speedy Loans hereby discloses:

1. That our cost of borrowing online is $17.00 per $100 borrowed (the "Finance Charge").
2. That upon execution of a payday loan agreement, the Borrower shall provide Speedy Cash with a pre-authorized debit ("PAD") in the amount of the loan and total cost of borrowing.
3. That in the event of default (i) the Borrower shall pay Speedy Cash a one-time NSF Charge of $25.00 for a dishonoured cheque or dishonoured pre-authorized debit; and (ii) Default Interest shall be charged on the outstanding principal balance at the rate of 30% per annum, until paid off.
4. Borrower's right to Cancel - (i) A Borrower shall have the right to cancel a loan, without reason or cost, at any time before the end of the business day following the date that the payday loan agreement was entered into, if Speedy Cash is open for business on that day, or until the end of the next business day that Speedy Cash is open ("Cancellation Period"). (ii) To cancel a loan, the Borrower must during the "Cancellation Period" either (A) log into their account on www.speedycash.ca/payday-loans website and click the "Cancel Loan" button, with payment in full of the cancelled loan processed by a PAD, or (B) complete and deliver the Notice of Cancellation in the form set out below to any Speedy Cash branch in Saskatchewan, together with payment in full of the cancelled loan in cash, certified cheque, money order or by Interac debit. (iii) Upon cancellation and repayment of a loan, Speedy Cash will provide the Borrower via electronic mail (if the loan is cancelled online) or in paper form (if Notice of Cancellation id delivered to a Speedy Cash in Saskatchewan) a receipt in the form set out below.
5. Credit Counseling - If you feel that you may benefit from confidential debt counseling, Credit Counseling Canada can be reached by calling toll-free at 1-866-398-5999; by fax at 416-929-5256; by email at contact@creditcounsellingcanada.ca ; or by mail at 401 Bay Street, Suite 1600, Toronto, ON, M5H 2Y4. You can also visit their website for further information as www.creditcounsellingcanada.ca. Cancellation and Receipt Forms

This poster is required under the Payday Loans Act, 2008. For educational material approved by the registrar,please click here..

$300.00 loan for 14 days:

Principal Amount $300.00

Total Cost of Borrowing $57.00

Total To Repay $357.00

Annual Percentage Rate - APR 495.35%

Speedy Ca$h is licensed as a payday lender by the Province of Nova Scotia. Nova Scotia Payday Lender License #162015969..

A $1000 loan over a 12-month period (or 26 bi-weekly payments)

Payment is estimated to be $51.28 bi-weekly at 60% APR.

A $1000 loan over a 12-month period (or 26 bi-weekly payments)

Payment is estimated to be $51.28 bi-weekly at 60% APR.

A $1000 loan over a 12-month period (or 26 bi-weekly payments)

Payment is estimated to be $51.28 bi-weekly at 60% APR.

A $1000 loan over a 12-month period (or 26 bi-weekly payments)

Payment is estimated to be $51.28 bi-weekly at 60% APR.