From quick loans to currency exchange — transparent pricing, regulated operations, and full cost disclosure.
Use our calculator to estimate your borrowing costs. Rates are regulated and all fees are disclosed upfront — no surprises.
Provincially Regulated Rates
Max $15 per $100 for short-term loans (Payday Loans Act, 2008)
APR Cap Protected
Term loan APR never exceeds 36% (Criminal Code s.347)
2-Day Cooling-Off
Cancel any loan within 2 business days without penalty
Borrow Amount
$500.00
Cost of Borrowing
$75.00
Total Repayment
$575.00
Due on Next Payday
$575.00
Estimates only. Actual terms based on your profile. Short-term: maximum regulated cost $15/$100 under applicable provincial payday lending law. Term: illustrative 24% annual flat rate; effective APR will not exceed 36% (Criminal Code s.347).
Access the funds you need with transparent terms and regulated rates.
$100 – $1,500
Quick access to funds until your next payday.
Borrow $100 to $1,500 against your upcoming paycheque. Maximum cost of borrowing is $15 per $100 as regulated by applicable provincial payday lending legislation. Full cost disclosure before you confirm. Repayment due on your next payday.
$1,500 – $10,000
Larger amounts with flexible repayment schedules.
Borrow $1,500 to $10,000 with interest rates between 12% and 35% annual rate based on your credit profile. APR never exceeds 36% (Criminal Code s.347). Choose monthly, bi-monthly, bi-weekly, or weekly payments.
Flexible Limit
Revolving credit — only pay interest on what you use.
Access revolving funds with an approved credit limit. Interest applies only to drawn amounts. APR will not exceed 36% as required by Criminal Code s.347. Draw funds when you need them and repay flexibly.
Based on Appraisal
Borrow against your gold with secure custody.
Leverage your gold assets for immediate cash based on appraised value and loan-to-value (LTV) ratio. Gold items are held in secure custody during the loan term. Full redemption is available upon repayment.
Everyday financial services with transparent fees and regulatory compliance.
Cash paycheques, government, and business cheques quickly.
Exchange major currencies at transparent rates.
Pawn items for immediate cash with fair appraisal.
Manage your funds and make payments digitally.
See how we compare to traditional banks and other lenders.
| Feature | F Vayoo | Traditional Banks | Payday Lenders |
|---|---|---|---|
| Application Time | Under 10 minutes | 1–3 weeks | 15–30 minutes |
| Approval Speed | Within 24 hours | 3–10 business days | Same day |
| Cost Transparency | Full disclosure upfront | Complex fee structures | Often unclear |
| Digital Access | 100% online | Branch visits required | Varies |
| Document Requirements | ID + income proof | Extensive documentation | Minimal |
| Rate Protection | Regulated caps | Market rates | Often unregulated |
| Cooling-Off Period | 2 business days | Varies | Rarely offered |
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