Payday Loan in Edmonton Alberta – $500-$1500 From Direct Lender


edmonton alberta next day payday loans Payday Loan in Edmonton Alberta   $500 $1500 From Direct LenderWe got this request for a payday loan in Edmonton, Alberta from a fairly young applicant by the name of Antoine. In his request for money he added that he wanted to use a direct lender (no middlemen or affiliates between him and his money).

Antoine is 31 years, and has been invited to to golfing in Palm Springs for two weeks with a business associate. But before we get head on into this Edmonton PDL application, I just want you to know that we posts a list of all the cash advance and payday loan stores in Edmonton here (this list also includes Spruce Grove, Sherwood Park, and Leduc)

When you read his job title, you are going to have chuckle – I can guarantee you that. I won’t ruin the comedy for you though……you’ll have to read the entire loan request to see for yourself.

This payday loan request was requested FAST as he was taking a flight the next day down south. This was a big deal for him, because the people he was invited by were opening up a new business and they wanted him to be a partner – little did they know that Antoine has been having trouble just managing his personal finances, let alone work as a credit analyst and “money man” for some business. If these folks actually knew what they were getting into, Antoine would be teeing off all by his lonesome.

So he, at best, wanted to get the payday loan approved overnight for $1500 and at the worst $500. He didn’t want to even walk into a cash advance store for fear of being seen. This is why he was applying online using one of our affiliated Canadian payday loans websites. He wanted this to be a “hush hush” loan – to say the very least! When it all came out in the wash he was approved for a $1000 dollar payday loan for a term of 28 days (basically a full month to pay the cash back via EFT after his paycheck was deposited from his current employer).

The breakdown on the $1000 payday loan was for these expenses;

  • return flight on Westjet ($645 for a seat sale)
  • green fees (3 rounds averaging $70 USD each – total of $210)
  • food, drinks, etc. ($150)
  • no accomodation expense as he was staying in a company owned home
  • total costs combined is $1005 (he can dig up the five bucks from somewhere, I’m sure)

Here is the calculation of the effective APR on this payday loan;

  • principal payday loan = $1000
  • fee per $100 dollars = $15
  • term length = 28 days
  • total fees paid = $150
  • effective APR = 195%

It gets worse than this of course, if Antoine decided to roll this baby over and pay for the extra fees associated with a payday loan deal. It’s already expensive enough with and APR very close to 200%. Used to be illegal under the usury restriction for Canadian lenders. But now we are getting to be more and more like the United States – feeding off those who possess weak math skills.

Edmonton Applicant’s Payday Loan Data

Privacy of applicant protected through amendments to the names, and places.

Actual Loan Request = Loan Amount: $500-$1500, Affordable Monthly Payment For You: $120, TransUnion Rating: 558, Debt To Income Ratio: 0.43, Location Of Loan App: Edmonton, Alberta, Country Of Loan App: Canada, Loan Purpose: Travel, Term Length Period: 23 weeks, Per Month Earning: $5,200, Mos. With Employment: 7 days, Job Title: Credit Analyst, Last Payday Amount: $5,200

Urgency of Loan: Important, All Visa Debt: $15,000, Other Debt Load: $7400, Vehicle: Chevy Beat, Owing on Vehicle: $2,060, Year of Vehicle: 1993

Added Comment from Applicant: I want this loan to be a direct payday loan – no scabbies please 😉

[End of Application]

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6 Loan Requests

  1. oaasis applied for the following loan:

    Loan: 4000

    Speed: asap

    Credit: fair

    Location: edmonton alberta canada

    Income: 832.00 - govt of alberta monthy for full time student, as well side cash jobs, and small tips for my volunteer work.

    Reason:

    Drivers Ed and cheap first car, as my fiance got into a dirt biking accident and he will not be able to drive for 8 months and work as county fire fighter, in this case i will need to take role and get a job and drive to and from city.

  2. tanya applied for the following loan:

    Loan: 3000

    Speed: as soon as possible

    Credit: think its 600 but not grear

    Location: thompson manitoba canada

    Income: 1400 every two weeks payday from city of thompson 5 years been there 222 20th of every month family allowance 722 1st of every month fmep child support

    Reason:

    My mom is in stage 4 lung cancer terminal she has been fighting for the past 2 years that I have been going back n forth to bc to take care of her n be by her bedside. I need a loan to pay bills that fell behind and to bring my mom to manitoba so she can spend the little time she has left with me n my kids her grandchildren

  3. Jordan applied for the following loan:

    Loan: 500.00

    Speed: Asap

    Credit: Fair

    Location: Edmonton

    Income: Own business, athletic jersey sales $700/ month New job at telus, starting august 4/2014, yearly salary 40,000 - 48,000.

    Reason:

    Just started with new employer, that pays once a month. I will not receive a pay cheque until August 31. I do have my own small business selling athletic jerseys on my own but it doesn’t pull enough for me to make rent this month. I just got caught at a bad time in between things. Thank you.

  4. Kerri applied for the following loan:

    Loan: $2000.00

    Speed: ASAP

    Credit: Fair

    Location: Edmonton

    Income: I have been on Maternity Leave (since January 8, 2016) I make $930 from that bi-weekly, in addition I receive $987 for child tax (soon to increase) and $1000.00 - $1500.00 a/month with my pt admin contract.

    Reason:

    I was just offered a full time position to start next week – yearly salary @ $62000 but being a single mom on maternity put me seriously behind.

    The money is for rent @ $1500.00
    Epcor $420.00
    dress pants for work – $80.

  5. Stu applied for the following loan:

    Loan: 500

    Speed: ASAP

    Credit: Low due to consumer proposal

    Location: Calgary

    Income: Salary Full-time position paid 15th and last day of month $3100

    Reason:

    emergency cash loan, can be paid back on paydays as indicated in the data field above.

  6. Mel applied for the following loan:

    Loan: 500

    Speed: As soon as possible.

    Credit: Poor

    Location: Calgary

    Income: $3900/mth on the 15th and end of the month.

    Reason:

    Vehicle repairs. I need my vehicle to get to and from work, I am step mom to a 12 year old with learning disabilities and fitting him out for school has depleted my account. My car started giving trouble yesterday and now will not stat. I can’t possibly wait till payday to get it repaired.

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