What should you ask?
See what to have ready and what to ask.
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Identify the shortfall before the next due date
Payday loans have short repayment periods and high fees. Late repayment can add costs. FCAC advises considering whether repayment leaves enough for regular expenses, and identifies asking for more time to pay bills as one possible alternative to further borrowing.
Is it allowed where you live?
Check the rules and licence where you live.
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Your province matters
Payday-lending rules differ across Canada. Keep your agreement and any payment notices so a qualified adviser can understand the actual terms. This page does not promise an extension, cancellation or a particular legal protection for your loan.
What will it cost?
Check what you may pay now and over time.
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Ask for repayment guidance, not another payday loan
The main enquiry here is for credit-counselling help. It does not automatically send you into a payday-loan application. Start with the amount you owe and whether payments are current; the review screen explains the purpose of the request before you enter contact details.
What to have ready
- How many repayments fall before your next income arrives?
- What are the due dates and amounts, including stated charges?
- Have you received a collection notice or court document?
- Which essential expenses are affected by the repayment?
You do not need account numbers, your SIN, bank passwords, or files to start.
Will completing the form stop withdrawals or collection activity?
No. An enquiry does not change your agreement, stop collection activity or pause a deadline. If a notice requires action, do not wait for this form to deal with it.