Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Where to find payday loans near me
If you're set on getting a loan in-person you can visit a store to get a payday loan near you, but going online might be just as fast and even more convenient.
Not everyone has time to wait for a bank account transfer. According to the Financial Consumer Agency of Canada most payday loan borrowers use the money to cover unexpected expenses like car repairs or to cover bill payments that come due before payday. So if you’re looking to walk in to a payday loan store and walk out with cash in hand, you might be wondering how to find reputable payday loans near you.
You’re in luck. We’ve deigned this guide to help you find legit payday loan lenders offering in-store applications from brick-and-mortar locations.
⚠️ Warning: Be cautious with payday loans
Payday loans are expensive. If you're experiencing financial hardship call Credit Counselling Canada for free financial counselling (Monday-Friday 8:00am-5:00pm at +1 866-398-5999). Consider alternatives instead of a payday loan:- Local resources. Government programs and nonprofits offer free financial services and help with food, utilities and rent.
- Debt relief companies. There are services to help you reduce your debt payments.
- Payment extensions. Talk with bill providers about longer payment plans or due-date extensions.
- Side jobs. Sell unwanted items online, sign up for food delivery and more.
Where can I get a payday loan near me?
If you’re wondering where to get a payday loan near you, start by searching online for stores near your home or work address. Results can give you an idea of your available options, helping you to weed out lenders that only operate online.
Many in-store lenders maintain websites that highlight the potential loan terms and fees they offer before you visit a store. If you find one that looks like it fits your needs, simply go to that lender’s store to complete an application.
3 steps to finding a payday loan near you
To find a nearby payday loan location in your neck of the woods:
- Search online for lenders in your area that have physical store locations.
- Narrow down your options by comparing the potential loan’s amount, store hours and repayment dates.
- Visit the store to complete your application or start the application online to pick up cash at the store.
Find a payday loan near you based on where you live
Click on the province or territory where you live to see a list of popular payday loan lenders that have physical store locations there.
Popular payday loan lenders with store locations
The lenders below are top providers that operate online as well as out of physical locations. You can contact the lender directly to find out the exact loan amounts available to you.
Lender | Provinces with store locations | Read our in-depth lender review |
---|---|---|
![]() Cash Money | British Columbia Newfoundland and Labrador Nova Scotia Ontario Saskatchewan New Brunswick Manitoba | Read lender reviewGo to site |
![]() Money Mart | Alberta British Columbia Manitoba Nova Scotia Ontario Saskatchewan Newfoundland | Read lender reviewGo to site |
![]() Speedy Cash | British Columbia Alberta Saskatchewan Nova Scotia Yukon Nunavut Northwest territories | Read lender review |
![]() MyCanada Payday.com | Alberta British Columbia Manitoba Nova Scotia Ontario Saskatchewan | Read lender review |
![]() Lend Direct | Ontario | Read lender review |
![]() Cash 4 You | Ontario | Read lender review |
![]() Captain Cash | Alberta British Columbia Ontario Prince Edward Island | Read lender review |
What can I expect when I opt for a payday loan near me?
After you’ve found a lender you want to work with, visit that lender’s store to begin applying for your loan. You’ll typically need to provide government-issued ID and, in many cases, a postdated cheque that your lender will cash when your loan is due. Some lenders also require proof of income and proof of residence to approve your application.
If approved, your lender might offer an option to fund your loan instantly. This means you could walk out with cash or a cheque to use toward whatever you need.
Ask a store employee to walk you through any questions you have about the application process, loan funding or repayment so that you fully understand any contract you sign.
Should I get payday loans near me or online?
Online payday loans nowadays aren’t what they used to be – the processes have improved a lot in both safety and efficiency in recent years. Online applications are relatively easy to fill out, and you can often get your funds directly deposited into your bank account within 1 hour of submitting an application.
It’s also more convenient if you don’t have access to transportation and you can’t find a payday loan near you within walking distance. Many payday loan providers now also offer apps, so you can easily fill out a loan application and manage your money from the convenience of your smart phone.
When you apply for a payday loan online, you simply fill out and submit the application entirely online through the payday loan provider’s website. Once approved, funds are then usually transferred directly into your bank account through an e-transfer. There are many payday loan providers in Canada that can approve and transfer funds with an hour of receiving your application.
How long does it take to get funds through an online payday loan?
Below is a comparison of the turnaround time of online, licensed payday lenders in Canada.
Provider | Turnaround time | |
---|---|---|
Cash Money |
| |
iCASH |
| |
GoDay |
| Go to site |
Money Mart |
| Go to site |
Compare online payday loans from top lenders
Check the websites of any lenders you’re interested in to confirm they operate in your province or territory of residence.
Maximum borrowing costs per province
Always refer to your contract for exact repayment amounts and costs as they may vary from our results.Province | Maximum allowable cost of borrowing |
Alberta, British Columbia, New Brunswick, Ontario & Prince Edward Island | $15 per $100 borrowed |
Manitoba & Saskatchewan | $17 per $100 borrowed |
Nova Scotia | $19 per $100 borrowed |
Newfoundland and Labrador | $21 per $100 borrowed |
Northwest Territories, Nunavut & the Yukon | $60 per $100 borrowed |
Quebec | Limit of 35% annual interest rate (AIR) |
Bottom line
Although online loans come with many perks, you might just prefer to go to an in-store lender in your neighborhood to borrow emergency funds and walk away with cash in-hand. Visiting a payday loan store can help you access the funds you need quickly. Check out our comprehensive guide to payday loans to weigh the benefits and drawbacks of any short-term lender before you borrow.
Frequently asked questions about getting payday loans near me
More guides on Finder
-
PrestoCash review
Read this PrestoCash review to help you decide whether you should apply.
-
Payday loans for low income
You can get a payday loan with a low income, but watch out for high interest rates.
-
Compare AISH payday loans
Some payday lenders accept AISH as a valid source of income. Find out where you can get approved for AISH payday loans.
-
Money Mart vs Cash Money
Compare the features of Money Mart vs Cash Money, two well-known alternative lenders in Canada.
-
Find payday loans in Hamilton
Browse your options for in-store or online payday loans in Hamilton.
-
Xcash Money Solutions review
Xcash Money Solutions provides different types of loans to Ontario residents, including payday loans, personal loans and car title loans.
-
Compare child tax loans in Alberta
You can take out an installment loan or payday loan in Alberta using your child tax benefit.
-
4 loans like Money Mart
Compare lenders that offer payday loans and installment loans like Money Mart.
-
4 loans like Loan Express
Browse payday lenders in Canada that offer loans like Loan Express.
-
Loan Express payday loan review
Loan Express offers payday loans of up to $1,500 through a fast, paperless process.