Heyday Loans is a licensed direct lender based in Canada, specializing in providing short-term loans to individuals in need of quick financial assistance. The company offers customers the ability to apply for loans of up to 2,000 CAD through a secure online application process that typically takes just minutes to complete. With a focus on excellent customer service, Heyday Loans ensures that applicants can access funds as quickly as 30 minutes after approval, making it a practical option for those facing emergency expenses. Targeting Canadian residents aged 18 and older, Heyday Loans provides flexible repayment options tailored to the client’s payday frequency, with average loan payback terms ranging from 60 to 90 days. The company adheres to provincial regulations, maintaining transparency and compliance throughout its lending practices. With competitive interest rates and clear terms, Heyday Loans aims to support customers in managing their short-term financial needs effectively.
Heyday Loans receives mixed feedback from consumers, with a notable divide between positive and negative experiences. Many reviewers praise the service for being great and quick, highlighting fast responses from the team during the application process.
However, a significant number of customers express frustration over delays in receiving funds, with some waiting days after approval without any communication from the company. Complaints about unresponsive customer service and issues with loan renewals are prevalent, leading some to label the company as a scam. While a few individuals report positive experiences, the overall sentiment is marred by concerns regarding reliability and communication. Consequently, potential customers should approach with caution given the mixed reviews.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.4 | 60 | 100% | -0.9 | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Mar 25 | 4.3 | 6 |
| Apr 25 | 2.3 | 10 |
| May 25 | 4.1 | 14 |
| Jun 25 | 4.2 | 9 |
| Jul 25 | 5.0 | 4 |
| Aug 25 | 2.3 | 12 |
| Sep 25 | 1.8 | 5 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Great service and very quick response from the team”
“I sent several screenshots showing that they received my final payment plus a screenshot of my account showing I paid...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
 | 3.4 out of 5 (fair) | 100 out of 100 | 4.4 out of 5 (good) | — | 60 |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | 27 |
Bottom line: Heyday Loans is #5 of 5 on overall rating in this group.
60 reviews of Heyday Loans. Filter by what matters to you.
The approval process and contract was quick … 2 days later I still haven’t seen the funds. Starting to wonder if this company is a scam .. if you need funds quick this is not the company for you
Sounds like I’m not alone. Signed contract over 24 hrs ago, no money and no contact. I’ll be reporting them as scammers to the BBB as they cannot be allowed to do this and get away with this crap
I recently paid off my loan yesterday by e-transfer and tried to reborrow today..I got an email stating that I had an outstanding balance still owing. I sent several screenshots showing that they received my final payment plus a screenshot of my account showing I paid the balance off and they are still saying that I still have an outstanding balance. This company was great at the start but now after reborroowing twice I'm having such a hard time. I get no response from them when I ask to talk.toma supervisor or a proper phone number to call. I'm never dealing with this company again
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Polarized pattern: few middle ratings. 58% of recent reviews are 4–5★ and 42% are 1–2★.
This company has been sending me emails and texts for over a year now saying "you're approved for a renewal" after getting one loan with them. I get the email/texts sometimes twice a day and I've called them and asked to be removed from the list several times but they don't care. Then if you want to get into the criminality of this company, that's a whole other issue. STAY AWAY, YOU HAVE BEEN WARNED. WOULD RATE ZERO IF POSSIBLE.
If I can give them a zero I would!!!! They run an illegal operation! Their interest charges do not follow Canadian government regulations on payday loans. They going to your account using different names.. The company has no phone number and they don’t respond to emails. Do not use this company. It’s Highway robbery. There are some good Payday loan lenders out there do not use Payday loans. They run an illegal operation save yourselves. I’m actually gonna have this company investigated through the authorities and the federal government.
Applied for a loan renewal and was approved but never received it. I emailed them multiple times and twice was told to expect the funds within 24 hours, but it’s been 6 days and nothing!! I’m blocking them from my account just in case they try to take “payments” for money they never sent! This is a scam!!
Terrible, they do not respond to emails, there is no way to contact customer service. I have applied with no response from this company. Stay away from this company. They are the worse company I have ever dealt with.
ZERO STARS! TERRIBLE TERRIBLE THOMAS EVERGREEN SCAMMER !!!!! Thomas Evergreen is a fake! He will send you an email indicating you’re eligible for a 2500$ consolidation loan and that you just need to pay your remaining balance on your first loan and that they would send the new funds immediately! I had sent my remaining balance on what I had left owing which was a pretty good chunk of money that I needed for the week! They ghosted me. Now I am out all of my money and nothing for the next couple weeks!!! DO NOT TRUST THIS COMPANY! I am reporting this onwards !!
If I could rate no stars I would! Absolutely disgusted with them.. took my banking info and was told my funds were on their way never received it 3 days later with no response via email can’t contact by phone either DO NOT TRUST THIS PLACE!!!!!
Been waiting for my loan for 24 hours now these clowns don’t even reply back stay away
I was asked to do a renewel asked for $100 more.I paid on time for my payments and got denied then got asked to do a review
Used company a few times for loans, made all my payments on time. Got an email from them that I can renew and based on excellent payment history I can request a higher amount. I requested a loan amount $100 more then I usually request for and was denied. False advertisement and lies. Will no longer be doing business with this company.
I had good success with my first loan, but paid out my 2nd or 3rd loan early & they constantly sent me emails to get a new loan, but when I tried to get a new loan, they declined it saying that I had an active loan, which I didn't. 3 days ago I sent them a couple of emails showing confirmation of my loan being paid out. No response at all. I followed up with a couple of more emails & 3 days later I still have had no response.
I was promised $2500 loan thomas emailed me everyday and said pay off $250 which I did. I expressed that was the only money I had all week for my kids and I. He promised I would have the money in less then 20min. This was Saturday I sent him the money and he now since won’t reply to any of my emails. I have four kids and have to get through the week with nothing now. I am So upset I expressed over and over please don’t let this be a scam. Now I have nothing I am so upset
Stay clear from this company they are absolutely scammers I had a loan with them and just owed two payments and received an email from them stating that I was eligible for a 2500 dollar loan so I replied and thomas green advised Me that I need to send 250 to receive this loan this 250 was my car payment now they won't reply to my.emails and have ghosted me this is unacceptable and I have filed a complaint against them.
Fraud company they lie, they threaten do not touch this company no matter how desperate you are. You can’t trust anything they say and Thomas Evergreen is the worst one. There is no phone number or anything else other than an email that they barely respond too. I have reported them and anyone else that has had issues should do the same.
Heyday Loans is a licensed direct lender based in Canada, specializing in providing short-term loans to individuals in need of quick financial assistance. The company offers customers the ability to apply for loans of up to 2,000 CAD through a secure online application process that typically takes just minutes to complete. With a focus on excellent customer service, Heyday Loans ensures that applicants can access funds as quickly as 30 minutes after approval, making it a practical option for those facing emergency expenses. Targeting Canadian residents aged 18 and older, Heyday Loans provides flexible repayment options tailored to the client’s payday frequency, with average loan payback terms ranging from 60 to 90 days. The company adheres to provincial regulations, maintaining transparency and compliance throughout its lending practices. With competitive interest rates and clear terms, Heyday Loans aims to support customers in managing their short-term financial needs effectively.
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