Cost of Borrowing
British Columbia Resident Agreement

In British Columbia, the maximum allowable charge for a
payday loan is 14% of the principal amount of the loan.

Payday Loans are High-Cost Loans


Example: $300 loan for 14 days
Principal Amount $300.00
Total Cost of Borrowing = $42
Total to Repay $342.00
Annual Percentage Rate = 365% per year

This information meets the requirements of the British Columbia
Business Practices and Consumer Protection Act
License Number: 82827 Yes, I Understand Close Window

Cost of Borrowing
Ontario Resident Agreement

Maximum Allowable Cost Per $100 Borrowed: $14.00
Our Cost per $100 Borrowed: $14.00

Example: For a $500.00 loan for 14 days:
Total cost of borrowing = $70.00 (365%)
Annual Percentage Rate = 365% per year.
Total You Repay: $570.00
This information meets the requirements of the
Business Practices and Consumer Protection Act
License Number: 4741248 Yes, I Understand Close Window

Online Payday Loan Rates and
Terms in Saskatchewan

$14 per $100

Example: For a $300 loan for 14 days
Principal Amount: $300 loan for 14 days
Total Cost of Borrowing: $42
Total to Pay: $342

"This information conforms to the requirements of The Payday Loans Act."

Yes I Understand Close Window A Payday Loan is a High Cost Loan
A payday loan is a high cost loan. Payday loans are regulated by the Financial and Consumer Affairs Authority of Saskatchewan. For information relating to payday loans you can visit the FCAA website at https://fcaa.gov.sk.ca

Fees and Charges
The following are fees and charges applied on a payday loan:
Loan fee of 14% of the loan principal, payable on the loan repayment date.
NSF charge of $20 for a dishonoured cheque or pre-authorized debits dishonoured. Default interest of 30% per annum will be charged on the outstanding principal balance of the loan, if you fail to pay the loan in full on the loan repayment date.

Rights to cancel payday loan
The borrower shall have the right to cancel the payday loan, without reason or cost, at any time before the end of the business day following the date that the payday loan agreement was entered into.

To cancel a payday loan agreement, the borrower shall:
  1. Give written notice of the cancellation to Swiftonlinecash.com by use of the Notice of Cancellation form. The cancellation notice must be delivered by email to support@swiftonlinecash.com
  2. Repay to Swiftonlinecash.com by payment method of e-transfer, the amount that was advanced to the borrower under the payday loan. The funds must be e-transferred to Swiftonlinecash.com at support@swiftonlinecash.com.
  3. On the cancellation of a payday loan agreement and receipt of loan repayment, Swiftonlinecash.com will immediately provide the borrower with a Receipt of Cancellation form for the loan agreement, respecting the amount the borrower paid or returned to the payday lender on cancelling the payday loan agreement.

    The cancellation of a payday loan agreement extinguishes every liability and obligation the borrower is under, or related to, the payday loan agreement.
Debt Counselling
If you feel you may benefit from confidential debt counselling, Credit Counselling Canada can be reached by calling toll-free at 1-888-527-8999; by fax at 1-888-520-8008; by e-mail at info@nomoredebts.org or by mail at Suite 124A 1621 Albert Street Regina SK S4R 8G9. You can also visit their website for further information at www.CreditCounsellingCanada.ca.

Forms
Cancellation Receipt Forms

Credit Counselling
Credit Counselling Information

Maximum charges permitted in Alberta for payday loan: 14% of the principal. We charge: 14% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $42 Annual Percentage rate = 365%


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Maximum charges permitted in British Columbia for payday loan: 14% of the principal. We charge: 14% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $42 Annual Percentage rate = 365%

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