How long does the process take?

Customers typically receive primary approval within 5 minutes of applying, with cash available immediately either via email or directly into their checking account by the end of the day.

What is a Payday Loans or Cash Advance?

A payday advance is an unsecured, short-term cash loan intended to cover unexpected expenses, avoiding late payment penalties.

Are all loans approved?

Most loans are approved, but some may not if there's insufficient information or due to credit risk.

How are fees established?

Fees are competitive and comply with relevant provincial and federal laws, and there are no hidden fees.

How is the payday cash advance loan amount determined?

The loan amount is regulated by law, ranging from $100 to $1500, and is based on your current income and repayment history.

How soon do I have to pay back the loan?

Loans are generally repaid at your next paycheck, but can be repaid earlier without penalties.

What if I can’t repay the payday loan in full on my due date?

Different payment options are available, and you can discuss them with your loan consultant.

How long does the process take?

Customers typically receive primary approval within 5 minutes of applying, and cash can be accessed within 20 minutes or by the end of the day through an email money transfer.

What is a Payday Loan?

A payday loan is a short-term, unsecured cash advance intended to cover unexpected expenses until your next paycheck.

How are fees established?

Fees are competitive and comply with both provincial and federal laws, with no additional application fees apart from the loan fee outlined in your documents.

Can I borrow additional money before paying off my previous loan?

Yes, you can borrow more money as long as you do not exceed your limit based on your income and repayment history.

What are the standard fees for loans?

There is a one-time processing fee of $5. The interest rates are 2% per month for 12-month loans (24% APR) and 4% per month for 3-month loans (48% APR). A monthly storage fee applies.

How do I get my items back after paying the loan?

To reclaim your goods, you must make a full payment of the borrowed amount plus any fees. Bring your ticket and a government-issued ID to McTamney's.

What happens if I am late on my payment?

If payments are overdue, additional fees will apply, including 2% extra interest per month and a late notice fee of $7. Failure to pay may result in contract default.

Can I renew my loan for more time?

Yes, you can renew your loan by paying the interest and storage fees due, allowing you extra time to make a full payment.

How much cash can I get?

The amount you can borrow depends on the value of the item used as collateral. Speak with a jewelry associate for more details.

What services do you offer?

We provide pawn loans, buy and sell gold and jewelry, and offer services for electronics and valuable items.

How long does it take to receive cash?

Cash can be in your hands within just 5-10 minutes after the transaction.

Can I retrieve my pawned items later?

Yes, you can reclaim your pawned items in the same condition they were pawned.

What types of gold do you buy?

We buy various types of gold including rings, necklaces, bracelets, coins, watches, and scrap gold. All items are accepted regardless of their condition.

How does the selling process work?

You can visit our location for a free estimate. Our experts evaluate your gold and provide an instant cash offer. If you accept, we pay you on the spot.

Are there any fees for evaluations?

No, evaluations and estimates are completely free of charge.

What are your store hours?

We are open Monday to Friday from 12:00 PM to 7:00 PM, and Saturday from 12:00 PM to 5:00 PM. We are closed on Sundays.

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