Credit for Ontario,
by Ontario.
Fast, transparent payday loans from $100 to $1,500 for Ontario residents. Apply online in minutes and get a decision within 60 minutes — no hidden fees, no surprises.
Three simple steps to short-term credit
Designed for speed and clarity, our process gets Ontario residents from application to funded without the friction of a traditional lender.
Apply online
Complete our secure application in about 5 minutes. No paperwork and no branch visit required.
Get approved
We review your application and income details. Most Ontario applicants get a decision within 60 minutes.
Get funded
Once approved, funds are deposited directly into your bank account, often within the hour.
Transparent, regulated pricing
In Ontario, payday lenders are regulated under the Payday Loans Act, 2008. The maximum cost of borrowing is $14 for every $100 you borrow — and we never charge more than the law allows.
- • No application fees
- • No early repayment penalties
- • Full cost disclosed before you sign
| You borrow | Cost | You repay |
|---|---|---|
| $100 | $14 | $114 |
| $300 | $42 | $342 |
| $500 | $70 | $570 |
| $1000 | $140 | $1140 |
| $1500 | $210 | $1710 |
Who can apply for an Ontario payday loan
Our requirements are straightforward. You don't need perfect credit — we look at your overall situation, not just a credit score.
Be 18 years or older
You must be at least 18 years of age to apply for a payday loan in Ontario.
Be an Ontario resident
A current Ontario address and provincial residency are required.
Have a steady source of income
Employment, pension, or other recurring income that you can document.
Have an active bank account
A Canadian bank account in your name where funds can be deposited and repayment debited.
Have a valid email and phone
So we can confirm your identity and deliver your loan documents securely.
Ontario payday loan questions, answered
Straight answers about borrowing, costs, and your rights as an Ontario borrower.
Licensed & regulated
We operate under Ontario's Payday Loans Act, 2008 and are licensed by the Ministry of Public and Business Service Delivery and Procurement. Licence #[to be issued].
Your rights as a borrower
You have the right to a written agreement, full disclosure of the total cost, a 48-hour cooling-off period to cancel, and an extended payment plan if you can't repay on time.
Your data is protected
Your application is transmitted over 256-bit encryption and handled in line with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).
Payday loans are high-cost loans.
Payday loans are an expensive form of credit and should only be used for short-term, unexpected needs — not as a regular, long-term financial solution. Late or missed payments will increase the cost of borrowing and may affect your credit.
Start your application
It takes about 5 minutes. There's no obligation until you sign your loan agreement.
