$800 Payday Loan Canada – Fast & Online
When the quote in your hand is a big one, get matched with a licensed Canadian lender for an $800 payday loan – all credit considered, funds often by Interac e-Transfer the same day.
- Right-sized borrowing
- All credit considered
- No impact to check
- Funds by e-Transfer
An 800 payday loan is the single-big-problem amount: the transmission repair with parts and labour on one invoice, the furnace service call in January, or the root canal that cannot wait for the next benefits window. At $800 the one-time fee is $112 under the federal cap, and because licensed lenders approve on income rather than credit score, an $800 request is realistic for Canadians with a solid, steady paycheque. Get Payday Loans Canada matches you with licensed lenders in your province.
We are not a lender. Get Payday Loans Canada is a free matching service that connects you with licensed payday lenders. Borrow only what you can repay on your next payday.
What an $800 Payday Loan Costs in Canada
Payday loan costs are capped at a maximum dollar amount per $100 borrowed. Here is what a typical 14-day $800 payday loan costs:
| Maximum cost (per $100) | Cost of an $800 loan | Total to repay |
|---|---|---|
| $14 – federal cap, every province (since Jan 1, 2025) | $112 | $912 |
The $14 cap is federal law (since January 1, 2025) – confirm your province’s current maximum with the Financial Consumer Agency of Canada before you borrow.
At $14 per $100 for 14 days, an $800 loan works out to an APR of about 365%. Try your exact numbers below:
Payday Loan Cost Calculator
Estimate your cost of borrowing before you apply. Figures use each province’s legal maximum (a payday loan in Canada is capped at $1,500).
Estimates only. Your actual cost is set out in your loan agreement and capped by your province. Quebec and the territories use the 35% federal APR framework rather than a per-$100 cap.
Is $800 the Right Amount to Borrow?
The honest test for an 800 payday loan is stricter than at the smaller tiers: $912 comes out of your next paycheque, all at once. On most biweekly cheques that is a third or more of the deposit, so an $800 payday loan belongs to a genuinely large one-time expense backed by a solid payday – not to a gap that a smaller amount would close.
If the invoice is closer to the middle of the range, a $600 payday loan trims $28 off the fee; if the quote keeps climbing past $900, one right-sized $1,000 payday loan beats borrowing $800 and coming up short a week later.
And you are not locked to round numbers: if the invoice totals $850 or $900, enter exactly that – at $14 per $100 an $850 loan costs $119 and a $900 loan costs $126, each a $7 step from the $112 fee at $800.
How to Get an $800 Payday Loan
Getting an 800 payday loan takes about five minutes: apply online, verify your income with a 60-second IBV check, review the disclosed cost of borrowing, and e-sign to receive funds by Interac e-Transfer.
- Apply online and choose $800 as your amount.
- Get matched with a licensed lender in your province.
- Verify income with IBV – secure, read-only, about 60 seconds, no impact to your credit score.
- Get funded – review the cost, e-sign, and receive your $800, often by e-Transfer the same business day.
Who Qualifies
Most working Canadians qualify: the age of majority in your province, steady full-time or part-time employment income, and a Canadian bank account for the 60-second IBV income check. Because $800 sits near the top of the payday range, lenders look hardest at the size of your next deposit – a paycheque that comfortably clears $912 is what carries the approval, and a lender may counter-offer less if your deposits run small.
- Age of majority in your province or territory
- Steady employment income – full-time or part-time
- An active Canadian bank account
- Canadian resident with a valid email and phone
Approval is based mainly on income, so all credit types are considered – see payday loans for bad credit.
$800 Payday Loan FAQs
How fast can I get an $800 payday loan?
Many borrowers are approved within minutes and funded by Interac e-Transfer the same business day, especially when applying before afternoon cut-offs and verifying income with IBV.
Can I get an 800 payday loan with bad credit?
Yes. Approval is based mainly on steady income rather than your score, so all credit types are considered – though at $800 the size of your regular deposit carries more weight than at the small tiers.
How much does an $800 payday loan cost?
$112 everywhere in Canada (the federal $14 per $100 cap), so you repay $912 on your next payday.
Can I borrow $850 or $900 instead of $800?
Yes. Licensed payday lenders fund any amount between $100 and $1,500, so you can enter $850 (fee $119) or $900 (fee $126) on the same application – borrow what the invoice actually says.
Need a different amount?
You can also apply for a $100, $300, $400, $500, $600, $750, $1,000, or $1,500 payday loan.
Apply for an $800 Payday Loan
It takes a few minutes and will not affect your credit score to check your options.
An $800 payday loan suits one large, unavoidable expense – borrow it only if your next paycheque covers the $912 repayment with room to spare.
About the Author
Get Payday Loans Canada is a loan-matching service, not a lender or broker, and does not make credit decisions or fund loans. Payday loans are short-term, high-cost credit regulated by each province; the maximum cost of borrowing is $14 per $100 borrowed (federal cap, since January 1, 2025). Example: an $800 payday loan at $14 per $100 for 14 days costs $112 (APR is roughly 365%). Approval is not guaranteed and depends on the lender’s criteria, including verified employment income. Borrow only what you can repay on your next payday and consider lower-cost alternatives first.