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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:

  1. Search online for lenders in your area that have physical store locations.
  2. Narrow down your options by comparing the potential loan’s amount, store hours and repayment dates.
  3. 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.

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.

LenderProvinces with store locationsRead our in-depth lender review
cash money

Cash Money

British Columbia
Newfoundland and Labrador
Nova Scotia
Ontario
Saskatchewan
New Brunswick
Manitoba
Read lender reviewGo to site
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Money Mart

Alberta
British Columbia
Manitoba
Nova Scotia
Ontario
Saskatchewan
Newfoundland
Read lender reviewGo to site
Speedy Cash logo

Speedy Cash

British Columbia
Alberta
Saskatchewan
Nova Scotia
Yukon
Nunavut
Northwest territories
Read lender review
myCanadapayday.com logo

MyCanada Payday.com

Alberta
British Columbia
Manitoba
Nova Scotia
Ontario
Saskatchewan
Read lender review
Picture not described

Lend Direct

Ontario Read lender review
cash 4 you

Cash 4 You

Ontario
Read lender review
Picture not described

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.

ProviderTurnaround time
Cash Money
  • Instant decision
  • As little as 15 minutes with INTERAC e-Transfer
iCASH
  • Instant decision and approval 24/7
  • As little as 2 minutes with INTERAC e-Transfer
GoDay
  • Instant decision
  • As little as 2 minutes with INTERAC e-Transfer
Go to site
Money Mart
  • Instant decision with no credit check
  • As little as 1 hour after getting approved
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.

1 - 4 of 4
Name Product Loan Amount Loan Term Interest Rate Turnaround Time Serviced Provinces Offer
Money Mart Payday Loan
$120 - $1,500
1 - 62 days
Varies by province
As little as 1 hour after getting approved
AB, BC, MB, NS, ON, SK
To be eligible, you’ll need to be at least 18 years of age with a steady source of income and a chequing account. No credit check required.
Cash Money Payday Loan
$100 - $1,500
5 - 40 days
Varies by province
As little as 15 minutes with INTERAC e-Transfer
BC, NL, NS, ON, SK
Apply for your first $300 payday loan at a $20 cost (excludes SK applicants).
Have your banking details ready to get a loan in 2 hours. You'll need to be 18 years of age or older and have a net income of at least $1,000/month. Residents of MB and NB must apply in-store for a loan.
iCASH Payday Loan
$100 - $1,500
7 - 62 days
Varies by province
As little as 2 minutes with INTERAC e-Transfer
AB, BC, MB, NB, NS, ON, PEI
Get up to 20% in cash back once your payday loan is fully repaid. Conditions apply.
To be eligible, you'll need to be at least 19 years of age and have a net income of at least $800/month deposited into your bank account.
GoDay Payday Loan
$100 - $1,500
Up to 62 days
Varies by province
As little as 2 minutes with INTERAC e-Transfer
AB, BC, MB, NB, NS, ON, PEI, SK
To apply, you'll need to be a Canadian resident over the age of 18 with a valid email address, phone number and an open bank account with a Canadian bank or credit union.
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Compare up to 4 providers

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

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