Get My Pay Today review
- APR Range
- 18.00%
- Loan Amount
- $300 - $3,000
- Loan Term
- Up to 6 months
Our verdict
Get a fast loan of up to $3,000, but watch out for the high cost of borrowing.
Get My Pay Today is an online brokerage that offers access to short-term loans of between $300 and $3,000. It's quick and easy to apply online, there are no credit checks, and same-day loan funding is available. However, with unclear loan terms, high borrowing costs and a number of negative customer reviews, it's worth considering a range of other borrowing options first.
Pros
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Quick approvals and funding
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No documents or credit check required
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100% online
Cons
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Expensive
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Alternate business name for Northstar Brokers
What is Get My Pay Today?
Get My Pay Today offers access to a network of lenders and brokers where you can access fast loans. You can apply online and get funded in as little as an hour, and you don’t need to complete a credit check to get approved for a loan.Get My Pay Today says it offers payday loans, bad credit loans, cash advances, installment loans and more. It serves a wide range of provinces across Canada, and you can repay what you borrow over a term of up to 6 months.Is Get My Pay Today legit?
Get My Pay Today’s website contains all the key features you’d expect to find on a legitimate lending platform. These include a Montreal office address, phone and email contact details, terms and conditions and a privacy policy.
However, Get My Pay Today is not Better Business Bureau accredited. The BBB lists Get My Pay Today as an alternate business name for Northstar Brokers, which has an F rating from the Bureau and had been the subject of 34 complaints to the BBB in the past three years.
Alternatives to Get My Pay Today loans
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Features of Get My Pay Today loans
| Feature | Details |
|---|---|
| Loan amount | $300 – $3,000 |
| Loan term | Up to 6 months |
| APR | 18.00% |
| Serviced provinces | All |
| Eligibility requirements | Must have a chequing account, must have been working full-time for at least three months and be paid by direct deposit |
What are Get My Pay Today’s interest rates?
Get My Pay Today doesn’t list an APR range for its loans online, so it’s not entirely clear how much your loan will cost to repay. However, on its homepage it lists an interest rate of 18%, then lower down the page it lists financing fees of $12 per $100 of capital due, including the interest rate and brokerage fees.With this in mind, you can expect a high APR if you take out a loan through Get My Pay Today. Make sure you know exactly how much it’ll cost to repay your loan before you sign any loan documents.
Benefits of Get My Pay Today loans
- Easy online application. It’s quick and easy to apply online for a loan from Get My Pay Today 24/7.
- Fast approval and funding. Get My Pay Today says it offers instant responses, and once you’ve signed a loan contract, the loan amount will be sent to you by email money transfer within 45 minutes.
- No credit checks. Bad credit won’t stop you getting a loan through Get My Pay Today and you won’t need to complete a credit check during the application process. Learn more about no credit check loans.
- No documents required. You won’t need to submit any paystubs or other documents to apply for a loan.
What to watch out for
- High cost of borrowing. With brokerage fees and interest rates combining to create a cost of $12 per $100 outstanding on your loan, borrowing from Get My Pay Today is an expensive option.
- Alternate business name. The Better Business Bureau lists Get My Pay Today as an alternate business name of Northstar Brokers. Northstar Brokers is not BBB accredited, has a BBB rating of F, and has garnered plenty of negative reviews on the BBB and Google. At the time of writing, the BBB had closed 34 complaints against Northstar Brokers in the past 3 years.
- Limited details. Get My Pay Today says it provides access to loans from a network of private lenders, but there are no details about who those lenders are or how many providers are included in the network.
- “No refusal”. Get My Pay Today says it offers access to instant loans with “no refusal”. Responsible lenders will check your income, existing debt and ability to repay a loan before granting approval, and promising guaranteed approval could indicate the risk of a loan scam.
- Negative customer reviews. As we’ll detail in the next section, Get My Pay Today and its alternate business names have picked up plenty of negative customer feedback.
What do Get My Pay Today reviews have to say?
There are limited Get My Pay Today reviews available online. However, a search for customer reviews of Northstar Brokers, for which the BBB lists Get My Pay Today as an alternate business name, reveals that there are more reviews available, most of them negative.
Northstar Brokers has an average rating of 1.4 out of 5 stars, based on 36 Google reviews. Complaints include the extremely high cost of borrowing, phone calls and emails going unanswered, and signing a loan agreement but never receiving any funds.
Summary of Get My Pay Today reviews
| Feature | Details |
|---|---|
| BBB accredited | No |
| BBB rating | N/A |
| Google reviews | 2.3 out of 5 stars, based on 3 Google reviews |
| Trustpilot reviews | No Get My Pay Today reviews available |
| Facebook reviews | No Get My Pay Today reviews available |
| Customer reviews verified as of | 10 October 2023 |
Am I eligible for a loan from Get My Pay Today?
To qualify for a Get My Pay Today loan you will need to meet the following criteria:
- A Canadian resident and the age of majority in your province or territory
- Have a chequing account that has been valid for at least three months.
- Have been working full-time for at least three months
- Be paid by direct deposit
- If you have filed for bankruptcy or a consumer proposal in past, your debts must have been discharged
How to apply to Get My Pay Today online
If you want to apply for a loan through Get My Pay Today, here’s how.
- Click the “Apply Now” link on the Get My Pay Today website.
- Fill out an online application form with your name, address, ID number, employment status and bank account details.
- Specify the amount that you want to borrow
- Get My Pay Today will call or email you to verify your application.
- You’ll be emailed a loan contract. Read it carefully before signing.
- The funds will be sent to you by email money transfer.
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Bottom line
Get My Pay Today is an option worth considering if you need a fast online loan with no credit checks. But given the negative customer reviews that Get My Pay Today (and its alternate business names) have received, not to mention the high cost of borrowing through this provider, it’s important to consider a range of other options before deciding where to borrow.Frequently asked questions
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