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aro How it Works?
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Complete the online application
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We Will Assess your application
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You will receive confirmation email if approved
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Money can be emailed for small extra fee or received same day in your account of your loan is approved byfore 2pm EST.
Receive Your Money In Your Bank Account
aroRepresentative APR
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To qualify for a payday loan, minimum net pay requirements will apply and may vary by province. Other conditions may also apply. Ask a Planet Loan Inc Customer Service Representative (CSR) for details.
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The cost of borrowing at Planet Loan Inc for a $300 loan for 14 days is:
Ontario 546%
Nova Scotia 546%
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We do not offer loans in Any other provinces.

Planet loan provides the fastest payday advance you will find anywhere on the Internet. Bad Credit? Poor Credit? No Credit? No Problem.

When you’re in need of cash advance, between paychecks or just want some extra money, Planet loan can solve your cash crisis today! Our easy online application takes only two minutes. A money advance can be transferred directly into your bank account within 20 minutes.   

       Payday loans Why use them?

Let’s face it – everyone runs a little short on cash every now and then. We believe you should use a payday loan for emmergency situation where it might cost more in NSF fees or having a service disconnected like hydro etc.

There are no hidden fees - you pay an access fee each time you get cash.

To learn more about how Planet Loan works, keep reading or select one of these frequently asked questions:

How do I pay back My loans

  • Pay in full any time up to your due date.
  • Do nothing and we'll automatically deduct the minimum payment from your count on your  due date.
  • Payment plan option.

Implications of Non Payment

In the event that you do not repay us on a loan, you will not be permitted to borrow from us again until such time as you have repaid your outstanding delinquent loan. In addition, your file, including all delinquency information regarding your delinquent loan, will be sent to a third party collection agency. We only use reputable collection agencies that comply with all prevailing best and lawful collections practices.    

Any customer who does not repay his or her loan in full by the loan's due date will be considered delinquent and the loan will be classified as non-payed. In such cases, the customer's file will be sent to a third party collection agency and customer will have this default reported to a credit agency. The customer's credit rating may be negatively impacted.   

Late or NSF Payments?

If Planet Loan Inc receives your payment after the due date of your loan, it will be considered late, and you will be charged a fee of $50 from Planet Loan Inc. Annual interest for late payment is calculated at 59% after the original due date of the loan. You may also incur an overdraft charge from your bank. The best way to avoid making late payments is have sufficient funds in your bank account on your payment due date. Planet Loan Inc has agreements with third party collections agencies, authorizing them to collect on delinquent accounts. Accounts may be settled for less than the amount actually owing, at the discretion of the collection agency.    

If a pre-authorized withdrawal is returned for any of reason you will be charged an NSF fee of $50 from Planet Loan Inc. You may also incur an overdraft charge from your bank.   

aro Am I eligible?
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Be at least 18 years of age
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Be a Canadian Citizen or Permanent Resident
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Be employed or recieve CTC, ODSP, CPP or company pension
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Receive your pay by direct deposit
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Other underwriting criteria may apply

Complete The Application

Apply Now!

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aroRenewal Policy
Pursuant to relevant payday loan statutes and regulations, Planet Loan Inc does not offer refinances, rollovers or extensions to its payday loans in any jurisdictions that prohibit refinances, rollovers, or extension.
aroCompliance
Planet Loan Inc complies with all government regulations in the jurisdictions in which we offer our services
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