We offer online loans only in the states of California, Hawaii, Kansas and Louisiana at this time. Residents of other states should use our Store Locator to find the closest retail location where they can apply for a retail loan.

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Extended Payment Plan FAQ

Applicable only to residents of British Columbia.

FAQs
How does the extended payment plan work?

Due to payday loan regulations, customers taking their third loan in two months will qualify for an extended payment plan.


  • If you are paid semi-monthly or more frequently and are taking a 3rd Payday Loan within 62 days, you will have the opportunity to repay this loan in equal payments over 3 pay periods.
  • If you are paid monthly and are taking a 3rd Payday Loan within a 62 day period, you will have 2 pay periods to repay your loan.
Do I qualify for extended payments?
If you qualify, we will let you know at the time your loan is approved.
Can I opt out of the extended payment plan?
Government regulations mandate that we must set up your loan for the extended payments. It's up to you whether you choose to let those equal payments be deducted from you bank account or if you want to repay your loan in cash, in full three business days prior to the due date at a Money Mart store.
How do extended payments work for my online loan?

Option 1

Repay your loan as you normally would, in one payment. This payment will need to be made in cash at a Money Mart store at least three business days prior to the due date.


  • You will be able to take another loan right away.

Option 2

Repay your loan in three equal payments over your next three paydays. The payments will be deducted from your chequing account on each of your next three paydays.


  • You will not be able to take another loan until all three payments have cleared your account.
What if I want to repay my full loan amount in one payment?
You have that option. This option actually allows you to take a new loan right away. You will need to visit a Money Mart location to repay your online loan in one payment at least three business days prior to your due date. You will need to do so in cash or debit only (not credit or cheque).
My first payment was already deducted. Can I pay the rest off now?
If your first payment was deducted from your account, you still have the option to repay the remainder in cash at a Money Mart store. However, the payment must be made at least three business days prior to the next due date. The entire outstanding loan must be paid, not just that payment amount.
Can I make partial payments?
No, if you come into the store at any time during your extended repayment period to make a cash payment, you must pay the entire outstanding loan amount at that time.
When will I qualify for a new payday loan?
You can only re-loan once your original loan is paid in full. If you opted to pay cash in store and repaid the full loan amount, you can re-borrow online immediately. If you are making extended payments, you will need to wait to re-loan until all payments have cleared your account.
Why can I only pay in full three business days prior to my due date?
The reason is because the PAD needs to be sent to the bank for processing and the banks require three business days to cancel a PAD.