Public Cash Services is an independent Canadian website that helps people research and compare licensed payday-loan and personal-loan providers. We are not a lender, a broker or a financial adviser, and we do not approve or decline anyone.
Who runs this site?
The site is operated by Public Cash Services. You can reach the team at admin@publiccashservices.ca. Our four words — Knowledge, Options, Clarity, Empowerment — describe the order we think borrowing decisions should happen in: understand the product, see every option, know the full cost, then decide for yourself.
What do we actually do?
- Explain how payday loans work in each province, with links to the regulator that sets the rules.
- List lenders and record whether we could confirm their provincial licence, and when we last checked.
- Show the cost of borrowing in dollars before anything else.
- Point to lower-cost alternatives, including free non-profit credit counselling.
- Pass personal-loan requests, with your consent, to a lending partner whose form you complete yourself.
How do we review lenders?
Every lender profile is built from the lender’s own published terms and the public licence registry in each province it serves. We record the cost per $100, maximum amount, term, funding time as stated by the lender, credit-check policy in the lender’s words, and the fees charged if a payment fails. Editorial ratings weigh five things: licence standing, cost transparency, repayment flexibility, complaint handling and how clearly the lender explains its terms. A paid listing never changes a rating. The full method is in our Editorial Policy.
How does the site earn money?
Some lenders pay for a featured or sponsored position, and we may be paid when you visit a lender or send a request through our forms. Paid positions are labelled where they appear. Details are in our Affiliate Disclosure.