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Frequently Asked Questions

1. What are the eligibility requirements?

To qualify for a Payday Loan Account you must meet the following criteria:
  • You must be eighteen (18) years of age or older
  • You must be working
  • You must have been with your employer for more than two (2) months
  • You must have an active bank account with at least seven (7) transactions and no more than two (5) NSF charges on your bank statement in the last thirty (30) days
  • You must not have filed for bankruptcy in the past year
  • You must have an active phone that we can reach you

    Unfortunately we do not lend to applicants who are self-employed, seasonally or otherwise temporarily employed, paid by commission, on social assistance, on worker's compensation or on disability.

    Regardless of the above requirements, the final decision on all applications is subject to the sole discretion of Your Money is Here.

    2. How do I apply?
    You can submit your application online (click here to apply online) or over the phone at 1.888.239.2588.

    3. How much money can I borrow?
    We extend loans of between $100 and $600 in increments of $10. The maximum you can borrow is calculated based on your net income and other employment information. On your first loan, there is a limit of $300. If you qualify for more than this amount then you can borrow additional funds once you have successfully repaid your first loan.

    4. How fast can I get my money?
    Once your application is submitted we provide you with an instant credit decision. If your application is approved, your funds will be in your account in one business day.

    5. What if I have more questions?
    If you have more questions you can e-mail them to us at or reach us by phone at 1.888.239.2588.