Affiliate Disclosure

The Payday does not lend money, does not hold or transfer funds, and does not accept, assess or approve loan applications. We are not a broker, an agent, or an intermediary acting on your behalf, and we do not negotiate terms for you with anyone. Any credit agreement you enter into is strictly between you and the provider you choose. We are a publisher: we write guides, we explain how this type of credit works, and, when partners are configured, we point readers toward third parties who do lend.

Affiliate publishing is a referral arrangement. A provider agrees to pay a publisher when a reader arrives at the provider through a tracked link and then takes a qualifying action, which might be submitting an application, being approved, or completing an agreement, depending on what that provider has agreed to pay for. The reader is not charged anything extra by us for arriving through that link, and the provider sets its own terms regardless of how you found it.

This is the part that matters most. A commission, or the prospect of one, never changes what our editorial team writes about a product. A provider cannot pay to be described more favourably, to have a drawback removed, to be ranked higher, or to have a critical guide taken down. Providers do not review or approve our copy before it is published, and they have no right of veto over it. If a provider that pays us has a genuine weakness, we will say so, and if that costs us the relationship, that is the cost of running the site this way.

For the avoidance of doubt, a commercial relationship with The Payday does not include any of the following:

No comparison site covers everything, and any site that implies otherwise is overselling itself. Some providers do not run affiliate programmes at all, some do not operate in every province, some we may choose not to work with, and some we may simply not have reviewed yet. So you should read anything published here as a partial view of the market rather than a complete census of it. Where a provider is missing, that absence should not be read as a judgement about it, and where a provider is present, that presence should not be read as an endorsement of borrowing.