Maximum charges permitted in Ontario for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%

Maximum charges permitted in Nova Scotia for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%

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Canada’s most accessible loans

Best Online Payday loans in Canada
Best Online Payday loans in Canada
Best Online Payday loans in Canada
Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
Best Online Payday loans in Canada
Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
British Columbia

Child Tax Credit Loans that Work

Low Rates for Child Tax Credit Loans up to $1,500

The Canada Child Benefit is a big help to lots of Canadian families in meeting the needs of the children. It helps with child-raising expenses right up until the child is 18 years old. It’s been colloquially over the years known as the “baby bonus.”

What you may not know is that you can get a baby bonus payday loan.
These benefits are guaranteed over the year, making them a qualified source of income when applying for a short-term loan with Speedy Pay. Sometimes the costs of raising the children don’t come all in one even stream over the course of the year. When something urgent comes up, using your baby bonus to get a child tax credit loan can make all the difference in a tough situation.

Baby bonus benefits vary based upon a range of considerations. But in a family with multiple children the credit could be a $1000 or more each month.

Check out the Canadian government’s child tax credit calculator to get a better grasp on your own situation.

This money can be especially helpful when the parents are temporarily struggling to make ends meet. Such a situation could be a perfect one to leverage your baby bonus to get access to funds when you need them.

We allow you to use your baby bonus as part of your minimum required income to be eligible for a child tax credit loan that can be as much as $1,500.

Our online lending process has streamlined everything to make it as smooth and easy as imaginable. The whole process usually won’t even take an hour. You don’t need any collateral. Nor are there any limits on how you use your child tax credit loan.
For your convenience, we’ve also included a quick-reference table below of the provincial programs that are available to augment the federal child tax benefit.See the table below for how government benefits come into play for baby bonus loans. There’s also provided a table which allows you to quickly reference other provincial programs to supplement your federal child tax benefit.

Amounts and eligibility may vary. Please be sure to confirm this information with your own research.

Child tax credit loan eligibility
Why choose us for your baby bonus loans?
Frankly, we could fill a book with all the great reasons to choose Speedy Pay. Here are just a few: Some of those reasons include:
  • Our streamlined, online, fully digitalized process makes it easy.
  • Only 10 minutes needed to apply.
  • An instant decision on your application.
  • A wide range of social benefit payments are counted toward the minimum income qualifications.
  • Everything, including our interest rates, are made clear and transparent.
  • No hidden fees!
  • Your repayment is made as smooth and stress-free as possible.
  • Just 5 minutes after approval and signing your electronic agreement your funds are e-transferred straight into your bank account.
Does your child tax benefit quality you for a loan?
Are there other social assistance benefits that qualify me, too?
How safe is my family’s information?

Great things to do with you child tax credit loan

Afford Surprise Expenses

Things are constantly popping up in life putting our financial resources to the test. That’s even more true when you’ve children to care for. Perhaps it’s just something you forgot about or maybe it’s something you couldn’t possibly have anticipated. It doesn’t really matter, somehow you need to come up with the funds to cover it. Our flexible and instant process assures you can get the child tax credit loan you need, when you need it, free of bother and worry. We want to make your – and your family’s – financial life better.

Childcare and Dental Work

There are some costs that all parents are all too familiar with. Dental treatments can be awfully costly. And every parent needs the occasional break. How much is childcare costing you these days? These are just the kinds of situation for which the child tax credit loan offers a perfect solution. Any time of day, any day of the week, you can access up $1,500 to take care of the unexpected costs that inevitably arise when you’re raising a family. When most other lenders are closed, we’re always ready to lend you that helping financial hand when you need it.

Repairing the Car

For many people, short of the house, the car not working is the single greatest challenge. How do you get to work, get the kids to school, do the shopping, make it on time to soccer practice? Life won’t stand still while you save up over the next month to pay for the repairs. Our child tax credit loan solution will keep you and your family on the go. It’s fast, easy and convenient.

Fixing Up the House

We know that you want to have a great home for your kids. Everything breaks down, though, if you use it enough. And what do you use more than your house. Did the roof start leaking? Did the basement flood? Nobody wants to live like. And you sure don’t want your children living that way. A child tax credit loan from Speedy Pay is just the solution you need.

How About a Holiday?

We’ve all been there, when things just keep piling up and you’re on the verge of total burnout. Under those conditions, you don’t feel like you’re able to be the best parent you can be. Sometimes the only solution is an impromptu holiday. But if you hadn’t anticipated things going this way, you may not have the funds in hand for the spontaneous break that you need so much. A child tax credit loan from Speedy Pay could have you sipping that Pina Colada on the beach, watching the kids building their sand castles, sooner than you’d believe. Don’t let bad credit history stop you, when you really need to get those extra funds to help out the kids. We’re less interested in what went wrong in the past, than in what can go right, today. If you can repay your loan, you’ll be eligible to apply for that child tax credit loan when life throws a surprise at you.

Interest fees & transparency

Managing your loan
Interest fees & transparency

Interest Fees and Transparency

The cost of borrowing is calculated as a percentage of the amount borrowed and range between $15 to $23 according to the Payday loan legislation of each province:

Province Interest Fees & Transparency Late fee
Alberta $15 per $100 $25
British-Columbia $15 per $100 $20
Manitoba $17 per $100 $20
New Brunswick $15 per $100 $20
Nova-Scotia $17 per $100 $40
Ontario $15 per $100 $25
Saskatchewan $17 per $100 $25
Newfoundland and Labrador $21 per $100 $20

When you take a cash advance loan with Speedy Pay, you are always in complete control of how much money you will owe and there are no surprises nor hidden fees. Before signing your loan agreement, we will give you a breakdown of all the costs involved in your loan so you will be able to make an informed decision.

Getting your money
Repaying your loan
Repeat Borrowing
Late Fees


Province Program Payment Amounts
Alberta Alberta Family Employment Tax Credit (AFTC) Up to $2,064 per year.
Alberta Child Benefit (AFC) Up to $1,128 per year for first child and $564 for each additional child.
British Columbia BC Early Childhood Tax Benefit (BCECT) Up to $660 per year per child.
Manitoba Manitoba Child Benefit Up to $420 per year per child.
New Brunswick NB Child Tax Benefit (NBCTB) Up to $250 per year per child.
A $100 per year supplement for low-income families for school supplies.
Newfoundland Newfoundland and Labrador Child Benefit (NLCB) Up to $398 per year per child up to 3 children, or $486 per year per child for 4 or more children.
Mother Baby Nutrition Supplement (MBNS) $60 per month for low-income families with children under 1-year old.
Northwest Territories Northwest Territories Child Benefit (NTCB) Up to $815 per year for children under 6, scaled up to $2,445 per year for four children, plus $367 for each additional child.
Up to $652 per year for children 6-17, scaled up to $1,956 per year for four children, plus $293 for each additional child.
Nova Scotia Nova Scotia Child Benefit (NSCB) Up to $625-900 per year per child depending on number of children.
Nunavut Nunavut Child Benefit (NUCB) $330 per child per year.
A territorial workers’ supplement also pays $275 per year to families with one child, and $350 to families with two or more children.
Ontario Ontario Child Benefit (OCB) Up to $1,403 per year per child.
Prince Edward Island PE Island Sales Tax Credit Up to $55 per eligible dependent per year.
Quebec Family Allowance (formerly Child Assistance) Up to $2,472 per year per child, with reduced amounts for additional children.
A bonus of up to $867 per year is available for single-parent families.
There are also supplements available for disabled/handicapped children (up to $11,736) and for school supply needs (up to $102).
Saskatchewan Saskatchewan Low Income Tax Credit (SLITC) Includes benefit of up to $136 per child for up to 2 children, up to the family max credit of $964 per year.
Yukon Yukon Child Benefit (YCB) Up to $820 per year per child.

Maximum charges permitted in British Columbia for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%

Speedy Pay, proudly canadian owned and operated, offers personalized payday loans and fast cash advances to thousands of Canadians in Ontario (Vancouver, Surrey , Burnaby and others), in Alberta ( Calgary , Edmonton , Lethbridge , Red Deer , Wood Buffalo , Medicine Hat , Airdrie , and others), in Saskatchewan ( Saskatoon , Regina and others), in Ontario ( Payday Loans Toronto , Ottawa , Mississauga , Brampton , Hamilton , Markham , Niagara Falls and others), in Nova Scotia ( Halifax , Cape Breton , Dartmouth , Truro , Sydney and others) as well as in Manitoba ( Winnipeg , Dauphin , Morden , Portage La Prairie , Selkirk , The Pas , Winkler , Brandon , Steinbach , Thompson and others). Easy online payday loans in Canada, Same day fast cash Ontario, Online loans British Columbia, Get cash money in Alberta, Payday loan Saskatchewan.