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Zippy Cash helps Canadians with emergency and short term financial needs. Fast, same day, no hassle, no fuss online payday loans on our internet website. Pay cheque or direct deposit? Finances short? Negative cash flow? NSF's? Get approved today; in Ontario, Alberta & British Columbia we give dollars to cover your debt with comparable interest rates. Need available funds advanced today, before your pay day? Try our quick & easy virtual online application; no store, no hassle; problem free loans. Instant approval cash advance in Canada with no credit check. We transfer the money directly to your personal or credit union bank account; either savings or chequing.

How payday loans can get you through

A payday loan or cash advance is an excellent way to get immediate funds directly deposited into your bank account. With no credit check required, simply fill out our application online and your loan can be approved and deposited into your bank account. Once the funds are deposited and the loan is accepted, your fees only will be debited from your bank account. Call the office or visit our website to increase your payment amount at any time.

All fees are explained on our website where you can view a full copy of the terms and conditions as well as the contract. A payday loan is intended for a short period of time and therefore, higher fees may be involved. A payday loan is not intended as a resolution to solve long term financial difficulties. Those who need assistance should seek the services of a credit counseling program.

Additional funds
(noun): more money requested or issued
Advance
(verb): to improve or further; to supply; a promotion; to go forward
Applicant
(noun): a person that applies
Application
(noun): "a form to be filled out by an applicant" to request something
Apply now
new customers can go to the website and fill out an application for a payday loan or cash advance
Approved
a submitted application that is accepted for a loan
APR
annual percentage rate; a rate that is charged on any loan borrowed; usually higher for payday loan companies since it is based on a two week loan
Bank account
"is a financial account with a banking institution recording the financial transactions between the customer and the bank and the resulting financial position of the customer with the bank;" account can be in the positive or negative where debit is owing
Bill 48
a new law that will promote consumer protection and regulates the payday loan industry. The third reading was passed on June 9th 2008
Borrow
(verb): to take with intention of returning same or equivalent; to use from another source; to borrow something with the intent to repay
Borrower
(noun): a person who is given something with the promise to return the same or equivalent
Borrowing fees
interest fees that are charged with each loan borrowed
Business
(noun): "an occupation, profession, or trade;" the sale of goods or a service in order to make a profit
Canadian online payday loan industry
an industry that provides consumers with easy to fill out applications on the net to apply for a cash advance
Canadian payday loan
a loan provided within the Canadian provinces with the intent to pay back on an indicated payday
Canadian payday loan industry
a sector emerging in "early to mid- 1990s in response to a demand for small-sum, short-term credit"
Cash
(noun): money in form of currency
Cash advance
(noun): also referred to as a payday loan; a loan given in anticipation of the borrower's being able to repay it
Cheque cashing services
providers that "cash third-party cheques immediately with adequate personal identification and for a fee, usually a fee per cheque and a percentage f the face value of the cheque"
Chequing account
each banking institution has various account features to suit each individual, but mainly these accounts are for day-to-day transactions and purchases
ClicknCash.ca
a leading online payday loan company issuing funds to residents in British Columbia, Alberta and Ontario
Client
(noun): an individual who has an account or file with the company
Client login
access that is granted with a user name and password
CPLA
Canadian Payday Loan Association; comprises 21 companies including 519 financial service retailers across Canada; provides payday loans to over two million Canadians per year; strive to work with governments to maintain regulation in order to provide a viable service and best business practices for consumer protection.
Company
(noun): a group of people assembled together; associated with one another; guest(s); collective society for social purposes
Consumers
"a person who uses goods or services"
Day
(noun): a unit of time equivalent to twenty four hours
Debt
(noun): something that is owed; created from owing a debtor, granted with expected repayment plus interest; an obligation to pay; what one person owes to someone else
Deposit
(verb): the act of transferring money into an account
Deposit account
a bank account held at an institution that can be withdrawn or deposited by the account holder; balances and transactions are recorded
Direct deposit
an electronic deposit into your bank account
Easy cash advance
a short term loan to meet immediate needs until the next payday
Employment
(noun): the state of being employed; earning a living by paid occupation; working full time or part time
Full time
(noun): working the usual number of hours in each day, week or month
Part time
(noun): "a period of time that is less than the usual or full time"
Existing customers
those individuals who previously submitted an application that was approved
Fast cash
borrowed money immediately deposited into a personal bank account
Fees
"the price one pays as remuneration for services"
Financial gap
when you need extra funds to meet your financial needs between paydays
Fixed interest rate
a loan that remains at a predetermined rate for the entire term of the loan
Instant approval
upon completion of an application, immediate indication that application was approved or declined
Internet
(noun): "an interconnected system of networks that connects computers around the world"
Internet lending
marketed through email, online search, paid ads, and referrals; applicants complete an application online and money is transferred into their account
Leading online payday loan provider
the number one company on the net providing cash advances
Legislation
a law which has been enacted by a governing body; known as a bill before it becomes law; the bill is under active consideration
Lend
(verb): to provide the use of something with the condition that it will be returned; interest to be paid back if money is given; to contribute obligingly or to give aid
(verb): temporary usage with condition of it to be returned or its equivalent; repayment with interest; to provide assistance
Lender
a person that provides money or credit in relation to business
Loan
(noun): type of debt; money received from the lender in which the borrower pays back plus interest; a legal promise to repay a debtor; something lent for temporary usage; a physical transaction, of money or goods
(noun): money lent for the borrower's temporary usage; lent with interest
(verb): to lend at interest
(idiom): on loan; borrow for temporary usage
Loan application
"an application to borrow money"
Loan calculator
calculates the cost of borrowing a loan; indicates the fees amount based on the next payday
Lowest payday loan rates
a company that provides minimal interest for borrowing a loan
Maximum amount
the most money that can be borrowed, usually $500 for a payday loan
Minimum amount
the smallest amount that can be borrowed, usually $50 for a payday loan
Non sufficient funds (NSF)
a returned payment that did not clear a bank account
Online payday loan
a loan requested from the world-wide web
Online payday loan application
an application filled out online for the purpose of obtaining a payday loan, deposited directly into your bank account the same day
Online payday loan service
a company that operates through the net offering payday loans to consumers
Ontario payday loan
a payday loan issued in the province of Ontario
Ontario payday loan legislation
a new law passed on June 9, 2008 that will regulate the payday loan industry and provide consumer protection
Pay
(verb): a wage or salary earned for work; to give money for something; to give compensation for; to give over in exchange for something; to give or render; to transfer money to settle a debt; to settle an obligation
(noun): the act of receiving a payment or being paid; wages or salary; paid employment
(adjective): pertaining to a payment; something becomes accessible with the deposit of coins; payment for service or use
Pay back
to make a repayment or return; to punish or get revenge; to seek retaliation
Pay day
"the day on which you receive pay for your work"
PaydayPayday.ca
a leading payday loan website that matches you with the best online lenders
Payday cash advance
an amount that is given in advance of next payday
Pay down
partial payment at time of purchase with intent to pay remaining balance in installments; to pay back or to pay off
PayMart.ca
leading online payday loan site that provides access to immediate funds
Pay off
to give money to pay everything that is due; payment in full; (used informally) to bribe; also refers to a result in success or failure
Pay out
disburse; to punish or get revenge for
Pay up
to pay full balance; a demand to pay in full
Payday loan
(noun): a small short-term loan (usually between $50-$500) plus interest that is paid back on your next payday; it is intended to cover a borrower's immediate expenses
Payday loan
"is an advancement of money in exchange for a post-dated cheque, a per-authorized debit, or a future payment of a similar nature but not for any guarantee, suretyship, overdraft protection or security on property and not through a margin loan, pawn broking, a line of credit, or credit card. The typical payday loan is for 1 - 14 days"
Payday Loans Act, 2008
"an Act to regulate payday loans and to make consequential amendments to other Acts"
Payday loan customer
an individual who borrows funds before their next payday
Payday loan service
a company that provides consumers with fast and easy cash advances
Payday loan legislation
a new law that provides increased consumer protection and a more viable industry
Payroll advance
cash provided by request before your next payday
Personal bank account
an account held at an institution (chequing or savings)
Personal loan
"loan that establishes consumer credit that is granted for personal use; usually unsecured and based on the borrower's integrity and ability to pay"
Poor credit history
bad credit or no credit; payday loan companies do not need to know about your credit history; the loan agreement is between the client and the company
Pre-approved
an application that is automatically approved based on the answers provided on the application; the application will be reviewed and verified
Retail lending
visiting a walk in store to secure a small cash loan
Rollovers
fees due (minimum payment) on a client's payday, the loan is then renewed
Savings accounts
a personal account at a banking institution that holds your funds and applies daily interest
Short-term
(adjective): refers to a short period of time; pertains to one year or less
Short-term loan
a cash advance provided with the intent of paying back plus interest within a two week period, usually on the consumers next payday
TheBlueHog.com
one of the newest site launched providing access to payday loans in Canada
TheRipeApple.ca
newest addition to the online payday loan industry
Wage
"a compensation workers receive in exchange for their labor;" includes cash being paid; salaries that are paid periodically with the contract between the employer and employee
Web's leading online payday loan provider
the top company providing cash advances
Week
(noun): seven days in succession; usually starts with Sunday and continues until Saturday
ZippyCash.ca
a leader in the online payday loan industry
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Through the use of Zippy Cash, our clients are able to continue their daily lifestyles with the assistance of our friendly, knowledgeable staff. We promise to aid our clients in a timely manner leaving everyone with the satisfaction that clearly surpasses all expectations of a payday loan company experience.

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