What types of jewellery do you offer?

We offer a wide array of jewellery including rings, necklaces, bracelets, earrings, and custom designs involving precious metals and gemstones.

Do you provide jewellery repair services?

Yes, we offer professional jewellery repair services including watch repairs.

What is your return policy?

You can return unworn items within 30 days of purchase with receipt for a full refund.

Can I get a custom piece designed?

Absolutely! We specialize in custom designs. You can consult with our experts to create a unique piece.

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.

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