Three quick questions. No credit pull. No commitment.
We can only lend to Canadian residents of legal age.
Pay deposited into a Canadian bank account, with at least 3 months at your employer.
No wrong answer — we fund 24/7, weekends included.
Based on your answers, you meet our requirements. Finish your application in 2 minutes and get funded today.
Based on your answer, you don't meet our current requirements. We'd rather tell you upfront than waste your time.
Three steps. About thirty minutes. While your bank wants paystubs, an in-person visit, and a 5-business-day wait, we want about half an hour of your phone.
Two minutes, no paperwork. Bank verification happens automatically — no documents to scan or upload.
No black-box algorithm. Our team reviews every application and confirms by phone or email — usually within 25 minutes.
Sign your digital contract — funds arrive by Interac e-Transfer in about five minutes. Day or night, weekend or holiday.
Bad credit. Slow banks. Endless paperwork. Four reasons we exist.
No black-box algorithm spitting out instant rejections. Every application is read by a human on our team — usually within 25 minutes. If you've been turned down by automated lenders before, you'll get a different answer here.
We don't pull your credit report. We don't run a soft check. We don't even peek. Past denials, low scores, no credit — none of it shows up because we never look. We approve based on your income, not your history.
You log in directly to your bank — not us. We get a secure read-only snapshot to confirm your income. We can't move money, can't see your credentials, can't access your account beyond verification. The link expires automatically after 90 days.
We're not a broker shopping your application around to other lenders. We lend our own money, set our own rates, and answer to provincial regulators in 9 provinces. Your application stops here — no extra fees, no surprise lenders, no shady third parties.
Every story below is a verified Trustpilot review. We didn't pick the best — we let you read the latest.
From my first application to answering all of my questions no matter what. Clear communication and courteous all the way.
Quick and easy. Reasonable rates. Was up against an unexpected expense and they had me sorted in under an hour.
One of the best pay advance companies I have ever used! Highly recommend them to anyone who needs short-term cash without the headache.
Very supportive, fast and reliable service. Got back to me right away when I needed it most. Will be using again.
Excellent and very easy to get approved. Took a bit of time to get funds but otherwise perfect. Thank you!
Always there when you need them 😀 Used StarPay three times now and never had a single issue. Funds always come through fast.
No corporate fluff. If you've been turned down before, hate hidden fees, or worry about your credit, this is for you.
Probably yes. We don't run a credit check — not even a soft one. We look at your last 90 days of bank activity to confirm you've got steady income, that's it. About 9 in 10 people who complete the application get approved.
If banks have turned you down before, that has zero bearing on your decision with us. Past denials, low scores, no credit history at all — we never see any of it.
Short-term loans cost more than bank loans — we won't pretend otherwise. Our regulated rate is $15 per $100 borrowed every 14 days, set under the Canadian Payday Loans Act.
Your full payback amount and bi-weekly installment breakdown are shown clearly on your contract before you sign anything. There are no hidden fees, no setup charges, and no early repayment penalties.
The number you see at signing is the number you pay. Period.
No. We don't pull your credit report or run any kind of check — hard or soft. Applying with StarPay has zero impact on your credit score. You can apply, get approved, even sign the contract — none of it shows up on your credit file. The loan itself is not reported to the credit bureaus.
IBV is how we verify your income without making you upload paystubs or bank statements. You log in directly to your bank's secure portal — we never see, store, or have access to your password.
In return, we get a one-time read-only copy of your last 90 days of statements, used only to confirm you have steady income. We can't move money. We can't change anything. We can't access your account again. The link expires automatically after 90 days.
It uses bank-grade 256-bit encryption — the same standard your bank uses for online banking. The technology is widely used across Canadian fintech, including tax filing and budgeting apps.
Tell us before the payment is due, not after. We can defer most installments by up to 14 days at no extra cost. We'd rather work with you than chase you.
A missed payment without notice does incur an NSF fee from your bank plus a late fee from us. The first and last payments of your loan can't be deferred, and we can't defer two consecutive payments.
We don't sell debts to collectors and we don't garnish wages. We're a Canadian-licensed lender, not a loan shark.
Honest answer: our model needs predictable income from steady employment to approve a loan responsibly. We can't lend to applicants whose primary income is government assistance (ODSP, EI), disability benefits, CPP, child tax, or private pensions.
We also can't lend to people who are self-employed, on student loans, currently filing for bankruptcy or about to enter a consumer proposal, or under 18.
If that's you, we'd rather tell you upfront than waste your time.
First-time borrowers can be approved for $250 to $1,500. Your specific limit depends on your verified income — we won't lend you more than you can comfortably repay across your bi-weekly installments.
Returning customers in good standing often qualify for higher amounts on subsequent loans.
Most folks complete the entire process — from clicking apply to having the money in their account — in about 30 to 90 minutes. The application takes 2 minutes. Approval review takes about 25 minutes. Once you sign your digital contract, funds arrive by Interac e-Transfer within about 5 minutes.
We fund 24/7, including weekends and holidays.
Yes. StarPay is a direct lender (not a broker), provincially licensed in Ontario, BC, Alberta, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland and Labrador. We're regulated under the Canadian Payday Loans Act, 2008. Quebec residents are not currently eligible.