If you’re receiving Ontario Works and looking for a quick loan, you may find that traditional lenders have strict eligibility requirements. The good news is that some alternative lenders accept Ontario Works as a source of income when assessing your ability to repay a loan. They prioritize fast approvals and funding so you can get funds as soon as possible.
From payday and personal loans to cash advances, here are your options for loans for Ontario Works.
| Lender | Cost | Loan amount | Loan term | |
|---|---|---|---|---|
Cash Advance |
0% + monthly fee from $2 | $20 – $250 | Flexible | |
Exclusive
+ Get a $75 digital Visa Card when you open and fund a KOHO account online through Finder. Become a Finder Member in seconds for free to claim your reward. Offer ends June 30, 2026. T&Cs apply. |
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Personal Loan |
8.99% - 35.00% | $500 – $60,000 | 3 - 120 months | Go to site |
Personal Loan |
9.99% - 35.00% | $500 – $35,000 | 6 - 60 months | Go to site |
Credit Line |
0% | $30 – $250 | 31 days, extendable | Go to site |
Cash Advance |
0% | $20 – $750 | Next pay cycle (90 days max) | Go to site |
| Licensed payday lender | Interest rate | Loan amount | Loan term | |
|---|---|---|---|---|
Payday Loan |
$14 per $100 borrowed | $100 – $1,500 | 7 – 62 days | Go to site |
The right lender depends on your situation. To start, compare the key features of these lenders:
| Lender | How can it help? | What to watch out for |
|---|---|---|
| LoanConnect | It’s a loan search platform that matches you with lenders based on your profile, saving you time and effort | You’d be limited to its 30+ lenders |
| KOHO | Doesn’t have income or job requirements, doesn’t do credit checks, instant for a fee | You can only borrow $250, and there a $2+ required fee |
| Nyble | Offers a free loan option, instant for a fee, doesn’t do credit checks, builds your credit | You can only borrow up to $250 |
| Bree | Offers a free loan option, instant for a fee, doesn’t do credit checks | Delivery fees are $2.99 – $45.99, depending on the loan size |
None of these four options is a payday loan, which should be left as a last resort.
You have three options when searching for loans for people on Ontario Works:
Yes, you can get a payday loan with no credit check while receiving Ontario Works. Instead of examining your credit history, most lenders will review your income, debts and expenses to decide whether you can afford a loan. You’ll need to compare a range of options to find payday lenders that accept Ontario Works as income and that also don’t conduct credit checks. Money Mart is one example.
Payday loans might seem like they offer a quick and easy solution to your money problems, but they’re best avoided.
Payday loans’ high cost of borrowing and short repayment period make it very difficult to budget for the loan repayment. They’re extremely expensive, with APRs over 300%, and you run the risk of getting trapped in a cycle of debt. That’s why you should consider all other options before applying for a payday loan.
There are some key factors to consider before deciding which is the right loan for your needs.
Here are a few simple things you can do to boost your chances of getting a loan.
Which type of loan best suits your needs? We break down their differences below.
Payday loans offer fast access to funds of up to $1,500, usually with no credit checks. You can apply online and get funded via e-Transfer in as little as 30 minutes in some cases. You’ll then usually have to repay what you borrow by your next payday.
Cash advance apps offer small loans of $750 or less. Loans are interest-free and there are no credit checks. You’ll receive the funds via e-Transfer, then you can pay them back on your next payday or the repayment may roll over into the following months.
Personal loans offer a more traditional loan structure. Loan amounts range from $500 to $50,000, you can get funded within 24 to 48 hours, and you repay the money you borrow plus interest over terms that generally range from 6 to 60 months. If you’re on Ontario Works, you may only qualify for small personal loans.
Payday loans are very expensive and have very short repayment periods. If you take out a $500 loan that’s due in 14 days, you’ll have two weeks until you have to pay the lender $570—that’s an annual percentage rate of 365%.
Cash advance apps offer small loan amounts only, so you may not be able to borrow as much as you want. Some apps also charge a monthly subscription fee, or you may need to pay a fee to get an instant loan (otherwise, funding could take up to three business days).
If you have bad or limited credit, you can expect a high interest rate on a personal loan. And while the longer loan term can make it easier to budget for repayments, it also means you’ll pay more interest over the life of the loan.
If you take out a payday loan, the lender can charge you $14 for every $100 borrowed. So if you take out a $700 loan, you’ll have to repay $798.
If you know how much you’d like to borrow, you can find out its cost using the calculator below.
Enter your details to see the total loan cost, including APR.
Cash advances don’t charge any interest, but fees may apply. You may need to pay a subscription fee ranging from around $2 - $12 per month or a fee per transfer.
Personal loans can have APRs of up to 35%. The rate you get depends on factors like your credit history, income and loan amount. Brokerage fees and other charges may also apply, so check the loan agreement carefully before you sign.
Before you take out a loan, consider whether one of these alternatives might be a better option.
Ontario Works is a social assistance program run by the Government of Ontario. It provides financial assistance to help people in need cover their living expenses, including buying food and paying rent.
You’ll typically need to participate in employment-related activities to qualify for Ontario Works. A single person can receive up to $733 a month in financial assistance under Ontario Works.
The program also offers other forms of assistance, including health benefits and help for people looking for employment.
Here are the remaining Ontario Works payment dates for 2026. If you plan to get a payday loan, your lender will likely withdraw the money you owe on these dates, so plan accordingly.
| Benefit month | Cheque payment and replacement date |
|---|---|
| July | Tuesday, June 30 |
| August | Friday, July 31 |
| September | Monday, August 31 |
| October | Wednesday, September 29 |
| November | Friday, October 30 |
| December | Monday, November 30 |
We searched the marketplace for lenders that accept Ontario Works and gathered them in the tables below. Many lenders don’t accept Ontario Works, so options are more limited.
We currently don't have that product, but here are others to consider:
How we picked theseTo make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 40+ personal loans are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.
To make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 5+ cash advance apps are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.
We currently don't have that product, but here are others to consider:
How we picked theseIf you’re searching for loans for Ontario Works, there are options available to you. Multiple lenders and loan types accept Ontario Works income when assessing whether you can afford a loan. Just make sure you’re aware of the full cost of borrowing—and consider whether there are any alternatives to taking on more debt—before applying for a loan.
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