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The term covers two different things in Canada. A payday cash advance is a small short-term loan priced at $14 per $100 under provincial rules. A credit card cash advance is a withdrawal against your card limit, typically at a higher rate than purchases with interest from the day you withdraw and no grace period. Both are expensive; they are expensive in different ways.
Over two weeks, the payday advance: $14 per $100 works out far above the roughly 20 to 23% annual rate on a card advance. Over many months, the card advance can overtake it if the balance persists, because it compounds. For a short bridge, the card is usually cheaper.
An instalment loan or line of credit at an APR under the 35% cap costs a fraction of a payday advance for the same amount. Several employers also advance against an upcoming cheque at no cost, which is worth asking payroll about first.
