About Express Money Today

Our expressmoneytoday provides you with instant access to cash to meet your urgent and immediate needs.

At Express CA Corp, we have improved the Payday Loan application process in order to meet your urgent need. All you need to do is to Apply and Get Approved, Sign the loan document and the fund is instantly deposited into your bank account or loaded on a Prepaid Mastercard or Visacard. All these could happen within just 5 Minutes. (Terms and Conditions apply. Ask us!)

Our esteemed client should note that the borrower is required to pay back by stipulated due date or apply for re-finance or extension in line with Payday Loans Act., 2008 before the due date.

HOW TO APPLY

  • Open an EXBC account and go to Express Money Today to complete an appraisal form and check if Employer is listed on the listed of approved employer
  • Apply for loan and get approved by Employer (if employer is listed)
  • Sign the loan Documents
  • Approved (loan) Amount is directly deposited into your bank account (if auto-deposit is set up on the account) with confirmation email sent to your email address or loaded on your Prepaid Mastercard or Visacard issued to you through your employer.

HOW TO PAYBACK

You pay back through direct debit on your salary account by your employer or through direct debit on your bank account if repayment is pre-authourised.

Please note that we are able to offer payday loan at reduced interest rate because your employer would deduct and remit the repayment directly to us.

Therefore, your employer has to be on the approved list of companies we deal with. To check if your employer is on our approved list, click here

WHAT WE CHARGED

Based on PAYDAY Loan Act 2008 (as amended), we are allowed to charge a maximum of 12.5% for 14days loan and 23% for 30 days loan. However, we only charge 10% for 14days loan and 20% for 30days loan. If you apply through your employer, its 5% for 14days loan and 10% for 30days loan.

HOW WE ARE ABLE TO CHARGE THIS LOW

  • Reduced Overhead.

    Express CA Corp operates transactions strictly online and by telephone. Thereby, we are able to keep our overhead cost lower than the competitors. This saving is what we are sharing with you in form of lower interest on the loan.

  • Distinct Vision.

    It’s true that every company is in the business to make profit. In as much as this is true about us as well, our distinct vision is to serve as a bridge from financial servitude to financial freedom which is the foundation of our corporate values

  • Optimised Business Processes.

    Our unique business model is hinged on efficiency and effectiveness. Our processes are well optimised to reduce redundancy, gap or weakness so our clients are well served on time and in time. We also deal with loanee that are working with our approved list of employers.

These information are required under the Payday Loans Act, 2008.


Payday Loan Acts 2008, Educational Materials

Ontario Payday Loans Act

Ontario Payday Loans Act Regulations 98/09