Editorial Policy

The Payday publishes explanatory guides about how cash advances and short-term lending work in Canada. Nothing on this site is financial, legal, credit or tax advice, and nothing here is tailored to your circumstances, your income, your debts or your province. We do not know your situation and we are not assessing it. If you need advice about your own position, speak to a qualified professional, and consider a non-profit credit counselling service if debt is the pressure point.

We do not publish an interest rate, an annual percentage rate, a fee, a borrowing limit, a funding time, an eligibility threshold, or a provincial rule unless we have verified it against a primary source, meaning the regulator, the legislation, or the provider's own binding documentation. Secondary sources, competitor comparison pages and generative tools are not primary sources and are not accepted as one here. A number that is nearly right in this sector is not a rounding error, it is a person budgeting for the wrong repayment.

These are hard limits, not preferences. Content containing any of the following does not go live:

The Payday is funded by affiliate commissions when partner arrangements exist, and that model is set out in full in our affiliate disclosure. Editorial decisions are made independently of it. Partners do not see copy before publication, cannot approve or reject it, cannot buy placement, and cannot have an accurate criticism removed. Where a link is compensated, it will be identified so you can weigh it. At present no partner arrangement is live, so nothing currently published is influenced by one even in appearance.

Pages carry a publication date and, once revised, a review date, so you can judge how current the information is. Regulatory content is the most perishable material on the site, because provincial rules change and providers change their terms without notice, so those pages are the priority for re-review. If a page is materially out of date and we know it, our preference is to correct it or take it down rather than leave it standing because it earns traffic.

If something here is wrong, we want to know, and we would rather hear it from you than leave it live. Please use the contact page and tell us which page you were reading and what you believe is incorrect, including the source you are relying on if you have one. We review reports of factual error as a priority over everything else in the queue. Where a correction is minor, such as wording or a typographical slip, we simply fix it. Where a correction changes the meaning of a factual claim, we fix it and note on the page that it was corrected, because quietly editing a claim after people have read it is not a correction, it is a cleanup.