{"id":754755,"date":"2018-11-21T00:20:30","date_gmt":"2018-11-21T05:20:30","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=754755"},"modified":"2026-05-01T04:34:01","modified_gmt":"2026-05-01T08:34:01","slug":"payday-loans-ontario","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario","title":{"rendered":"5 Payday Loans &#038; Cash Advances in Ontario"},"content":{"rendered":"<p>When unexpected expenses hit, cash advance apps and payday loans in Ontario provide a fast, short-term solution to get the cash you need. It\u2019s easy to apply and get approved, even if you have bad credit, and some lenders fund loans almost instantly. But you may pay high rates or fees in exchange for the convenience.<\/p><p>If you\u2019re wondering where you can find the go-to cash advances or payday loans in Ontario, keep reading to find out.<\/p><div class=\"box\">\r\n  <h5 class=\"box-title\" id=\"financial-hardship\">\u26a0\ufe0f  Warning: Be cautious with payday loans<\/h5>\n<span style=\"font-size: 11pt\">High-cost payday loans are unsustainable for long-term use, with up to $14 charged per $100 borrowed. If you're experiencing financial hardship, call <a href=\"https:\/\/nomoredebts.org\">Credit Counselling Society<\/a> for free financial counselling (Mon\u2013Fri, 8am\u20135pm at 1-888-527-8999). Also consider <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\" target=\"_blank\" rel=\"noopener\">payday loan alternatives<\/a>.<\/span>\r\n<\/div><h3>1. If you\u2019re looking for a 24\/7 e-Transfer payday loan: iCash<\/h3><p><img decoding=\"async\" class=\"alignnone wp-image-1030621\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/iCash_Supplied_450x250-1.jpg\" alt=\"iCASH\" width=\"171\" height=\"95\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/iCash_Supplied_450x250-1.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/iCash_Supplied_450x250-1.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/iCash_Supplied_450x250-1.jpg?fit=513 513w\" sizes=\"(max-width: 513px) 100vw, 513px\" loading=\"lazy\"><\/p><p>If you\u2019re searching for instant payday loans in Ontario, <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/icash-payday-loans-review\">iCash<\/a> has you covered. This online payday lender offers instant decisions 24\/7, and it\u2019s easy to apply via the iCash website or app. If approved, you can get the funds in a matter of minutes via e-Transfer.<\/p><div class=\"box\"><h4>Loan details<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $100 \u2013 $1,500<\/li><li><strong>Loan term: <\/strong>7 - 62 days<\/li><li><strong>Interest rate: <\/strong>$14 per $100 borrowed<\/li><li><strong>Serviced provinces:<\/strong> AB, BC, MB, NB, NS, ON, PEI<\/li><li><strong>Licensed payday lender:<\/strong> Yes<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Types of income accepted:<\/strong> EI, child tax, ODSP, AISH, provincial disability, CPP, OAS and social assistance<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Credit check required:<\/strong> Yes<\/li><li><strong>Instant approval available:<\/strong> Yes<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/payday-loans\/icash-ca-payday-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFSL%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2218691%22%2C%22niche_code%22%3A%22CAFSL%22%2C%22product_id%22%3A%22a7a72c04-1457-4a88-9c8c-39ec48a66f0e%22%2C%22product_name%22%3A%22iCash%2BPayday%2BLoan%22%2C%22provider_id%22%3A%22b72326b8-640c-4a4e-909c-27101362afed%22%2C%22provider_name%22%3A%22iCash%22%2C%22post_id%22%3A%22754755%22%2C%22post_path%22%3A%22payday-loans%252Fpayday-loans-ontario%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small\">Go to site<\/a><\/p><\/div><h4>How to apply online<\/h4><ol><li>Visit the iCash website and select <strong>Get a loan<\/strong>.<\/li><li>Enter your email address and select Ontario as your province of residence.<\/li><li>Provide information such as your name, phone number, address, Social Insurance Number, date of birth, employment and income.<\/li><li>Enter your desired loan amount and submit your application.<\/li><\/ol><h4>Pros and cons<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Get funded within minutes<\/li><li>Apply and get funded 24\/7<\/li><li>Many forms of income accepted<\/li><li>Handy mobile app<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>High cost of borrowing<\/li><li>Short repayment terms<\/li><\/ul><\/div><\/div><h4>Summary of ratings and reviews<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Trustpilot rating<\/td><td>4.7\/5 based on 2,900+ Trustpilot reviews<\/td><\/tr><tr><td>Google rating<\/td><td>4.8\/5 stars based on 36,000+ reviews<\/td><\/tr><tr><td>Apple App Store rating<\/td><td>4.8\/5 stars based on 23,000+ reviews<\/td><\/tr><tr><td>BBB accreditation<\/td><td>No<\/td><\/tr><tr><td>BBB rating<\/td><td>B-<\/td><\/tr><tr><td>BBB reviews<\/td><td>2\/5 based on 10 reviews<\/td><\/tr><tr><td>Reviews as of<\/td><td>November 28, 2025<\/td><\/tr><\/tbody><\/table><h4>Alternative to consider: Nyble cash advance app<\/h4><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><p><img decoding=\"async\" class=\"alignnone wp-image-1042397 \" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/Nyble_Suppied_450x250.jpg\" alt=\"Nyble\" width=\"200\" height=\"111\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/Nyble_Suppied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/Nyble_Suppied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/Nyble_Suppied_450x250.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/p><p><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review\">Nyble<\/a> is another option well worth considering if you\u2019re searching for a payday loan alternative with quick 24\/7 funding. Apply online for an interest-free line of credit of up to $250 to cover small expenses and build your credit. For $11.99, get access to premium services, including funding in 1 to 30 minutes, credit monitoring and identity theft protection. Nyble\u2019s premium membership is optional; if you opt for the free membership, you can get funds in one to three business days.<\/p><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2223215%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22provider_id%22%3A%22ebeeeb79-83ef-4800-894b-85bc38778e7c%22%2C%22provider_name%22%3A%22Nyble%22%2C%22post_id%22%3A%22754755%22%2C%22post_path%22%3A%22payday-loans%252Fpayday-loans-ontario%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small\">Go to site<\/a><\/p><\/div><\/article><h3>2. If you\u2019re looking for a no credit check payday loan: Wagepay<\/h3><p><img decoding=\"async\" class=\"alignnone wp-image-1042397 \" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/niche-builder\/6686e66e240c6.jpg\" alt=\"Wagepay\" width=\"200\" height=\"111\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6686e66e240c6.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6686e66e240c6.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6686e66e240c6.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/p><p><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/wagepay-review\">Wagepay<\/a> lets you access a portion of your upcoming paycheque without undergoing a credit check, making it a good option for borrowers with poor or limited credit history. You can apply online or through the Wagepay app in just three minutes, and if approved, your advance is sent via real-time Interac e-Transfer within minutes.<\/p><div class=\"box\"><h4>Loan details<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $100 \u2013 $1,500<\/li><li><strong>Loan term: <\/strong>Up to 62 days<\/li><li><strong>Interest rate:<\/strong> $14 per $100 borrowed<\/li><li><strong>Serviced provinces:<\/strong> BC and ON<\/li><li><strong>Licensed payday lender:<\/strong> Yes<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Types of income accepted:<\/strong> Employment only<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Credit check required:<\/strong> No<\/li><li><strong>Instant approval available:<\/strong> Yes<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/payday-loans\/wagepay-wage-advance-ca-payday-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFSL%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2225074%22%2C%22niche_code%22%3A%22CAFSL%22%2C%22product_id%22%3A%2266d4acc7-6b48-45f1-ac0e-8c14228c8549%22%2C%22product_name%22%3A%22Wagepay%2BWage%2BAdvance%2BLoan%22%2C%22provider_id%22%3A%22b4d07ae5-bf28-409a-a7cf-6388162213ca%22%2C%22provider_name%22%3A%22Wagepay%22%2C%22post_id%22%3A%22754755%22%2C%22post_path%22%3A%22payday-loans%252Fpayday-loans-ontario%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small\">Go to site<\/a><\/p><\/div><h4>How to apply online<\/h4><ol><li>Go to the Wagepay website or download the app.<\/li><li>Click Get Started and create an account with personal details like your name, date of birth, phone number and Social Insurance Number.<\/li><li>Link your bank account so Wagepay can verify your income.<\/li><li>Request an advance based on your limit.<\/li><\/ol><h4>Pros and cons<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>No credit check<\/li><li>Licensed payday lender<\/li><li>Postpone or split repayments<\/li><li>24\/7 funding available<\/li><li>No late or NSF fees<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Only available in BC and Ontario<\/li><li>Employment income is required<\/li><\/ul><\/div><\/div><h4>Summary of ratings and reviews<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Trustpilot rating<\/td><td>3.7\/5 based on 129 reviews<\/td><\/tr><tr><td>Google rating<\/td><td>4.0\/5 stars based on 228 reviews<\/td><\/tr><tr><td>Apple App Store rating<\/td><td>4.6\/5 stars based on 310 reviews<\/td><\/tr><tr><td>BBB accreditation<\/td><td>N\/A<\/td><\/tr><tr><td>BBB rating<\/td><td>N\/A<\/td><\/tr><tr><td>BBB reviews<\/td><td>N\/A<\/td><\/tr><tr><td>Reviews as of<\/td><td>November 28, 2025<\/td><\/tr><\/tbody><\/table><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><div class=\"luna-card__block\"><h4>Alternative to consider: KOHO cash advance app<\/h4><p><img decoding=\"async\" class=\"alignnone wp-image-1042397 \" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg\" alt=\"Koho\" width=\"200\" height=\"111\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/p><p>If you don\u2019t need a ton of money, KOHO may be a good alternative. Its <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\">Cover<\/a> feature lets you access a small, interest-free advance of up to $250 without a credit check. You\u2019ll get the funds instantly and can repay them anytime, all for a monthly subscription fee starting at $2.<\/p><div class=\"rewards-banner-container\n   rewards--container   \" data-campaign-name=\"koho|cover|may-2026~cafsl\" data-end-soon-date=\"2026-06-24T03:59:59.000Z\" data-niche=\"CAFPL-CAA\" data-rewards-component=\"banner\">\n  <div class=\"rewards-banner\">\n    <div class=\"rewards-banner__top\">\n      <div class=\"rewards-banner__badge\">\n        FINDER REWARDS EXCLUSIVE\n      <\/div>\n    <\/div>\n    <div class=\"rewards-banner__content\">\n      <div class=\"rewards-banner__logo-and-share\">\n                  <div class=\"rewards-banner__logo-wrapper\">\n            <img decoding=\"async\" src=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-logo-koho\" class=\"rewards-banner__logo\" alt=\"KOHO logo\" loading=\"lazy\">\n          <\/div>\n        \n        <button class=\"rewards-banner__share-btn rewards-banner__share-btn--mobile\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-may-2026-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n      <div class=\"rewards-banner__main-content\">\n        <div class=\"rewards-banner__text-content\">\n          <div class=\"rewards-banner__badges\">\n                                    <div class=\"rewards-banner__ends-soon\">\n              <svg class=\"luna-icon rewards-banner__ends-soon-icon\" style=\"--fill: var(--color-foreground-main)\">\n                <use href=\"#lightning\"><\/use>\n              <\/svg>\n              ENDS SOON\n            <\/div>\n                      <\/div>\n          <div class=\"rewards-banner__title-and-copy\">\n            <div class=\"rewards-banner__title\">\n                              Get <span class=\"rewards-banner__title-highlight\">$75<\/span> from Finder\n                          <\/div>\n            <div class=\"rewards-banner__copy\">\n        <span class=\"rewards-banner__copy-text\">\n          Become a Finder Member &amp; open and fund a <b>KOHO account<\/b> through Finder to receive a <b>$75 digital Visa card<\/b>. Offer ends June 30, 2026.\n        <\/span>\n              <a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-koho-promotion-terms-and-conditions-may-2026\" class=\"rewards-banner__terms-link\" target=\"_blank\" rel=\"noopener noreferrer\">\n                Separate T&amp;Cs apply.\n              <\/a>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"rewards-banner__cta-wrapper\">\n                              <link rel=\"preload\" href=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-logo-koho\" as=\"image\" type=\"image\/svg+xml\">\n     <script>window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"koho|cover|may-2026~cafsl\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-07-01T03:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $75 from Finder\",\"titleHighlight\":\"$75\",\"copyText\":\"Become a Finder Member \\u0026 open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E through Finder to receive a \\u003Cb\\u003E$75 digital Visa card\\u003C\\\/b\\u003E. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-may-2026-promotion\",\"validationDate\":\"2026-07-31T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $75 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new KOHO account\",\"items\":[{\"icon\":\"user\",\"text\":\"Become a Finder Member for free in seconds\"},{\"icon\":\"shopping-bag\",\"text\":\"Open and fund a KOHO account within the promotion period\"},{\"icon\":\"confetti\",\"text\":\"Receive your digital Visa card from Finder on or before August 15, 2026\"}],\"heading\":\"Get $75 from Finder\",\"membersHeading\":\"Get $75 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Become a Finder Member for free in seconds\\n* Open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E within the promotion period\\n* Receive your digital Visa card from Finder on or before August 15, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E within the promotion period\\n* Receive your digital Visa card from Finder on or before August 15, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new Koho account\",\"continueText\":\"GET $75 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO KOHO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-may-2026-promotion\",\"validationDate\":\"2026-07-31T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script>\n          <a type=\"button\" class=\"rewards-banner__cta rewards--cta rewards--element-container\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-product-name=\"KOHO Cover\" data-offer-id=\"24890\" data-provider-name=\"KOHO\" data-provider-id=\"e32c50f7-c28d-4e2e-b914-e27d6a80ac43\" data-rewards-campaign-name=\"koho|cover|may-2026~cafsl\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca\">\n            GET DEAL\n          <\/a>\n                <button class=\"rewards-banner__share-btn rewards-banner__share-btn--desktop\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-may-2026-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div><\/article><p>\u00a0<\/p><h3>3. If you need a $500 online payday loan (or less): PAY2DAY<\/h3><p><img decoding=\"async\" class=\"alignnone wp-image-991786 \" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/08\/Pay2DayLogo_Supplied_393x128.png\" alt=\"Pay2Day\" width=\"212\" height=\"69\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/08\/Pay2DayLogo_Supplied_393x128.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/08\/Pay2DayLogo_Supplied_393x128.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/08\/Pay2DayLogo_Supplied_393x128.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/08\/Pay2DayLogo_Supplied_393x128.png?fit=636 636w\" sizes=\"(max-width: 636px) 100vw, 636px\" loading=\"lazy\"><\/p><p><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/pay2day-loans-review\">PAY2DAY<\/a> offers instant payday loans in Ontario in store and online. You can apply online or via a mobile app within minutes, and you\u2019ll then be sent your loan amount within one to two hours by e-Transfer. And if you have any questions or problems with your loan application, 24\/7 customer support is also available.<\/p><div class=\"box\"><h4>Loan details<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount: <\/strong>$300 \u2013 $1,500<\/li><li><strong>Loan term: <\/strong>Up to 62 days<\/li><li><strong>Interest rate: <\/strong>$14 per $100 borrowed<\/li><li><strong>Serviced provinces:<\/strong> ON, BC, NS<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Types of income accepted:<\/strong> EI, retirement income<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Credit check required:<\/strong> No<\/li><li><strong>Instant approval available:<\/strong> Yes<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><\/p><\/div><h4>How to apply online<\/h4><ol><li>Head to the Pay2Day website and click <strong>APPLY ONLINE<\/strong>.<\/li><li>Select New Customer Application.<\/li><li>Enter how much you would like to borrow, Ontario as your province, your income source, email address and phone number.<\/li><li>Verify your phone number and submit your application.<\/li><\/ol><h4>Pros and cons<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>No credit check<\/li><li>24\/7 approval and funding<\/li><li>Licensed payday lender<\/li><li>Referral discounts<\/li><li>In-store loans available in select provinces<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Only accepts employment or EI income<\/li><\/ul><\/div><\/div><h4>Summary of ratings and reviews<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Trustpilot rating<\/td><td>4.9\/5 stars based on 8,300+ Trustpilot reviews<\/td><\/tr><tr><td>BBB accreditation<\/td><td>No<\/td><\/tr><tr><td>BBB rating<\/td><td>A<\/td><\/tr><tr><td>BBB reviews<\/td><td>1\/5 based on 3 reviews<\/td><\/tr><tr><td>Reviews as of<\/td><td>November 28, 2025<\/td><\/tr><\/tbody><\/table><h4>Alternative to consider: Bree cash advance app<\/h4><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><p><img decoding=\"async\" class=\"alignnone wp-image-1009868 has-padding-top-small has-padding-bottom-small\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/BreeLogo_Supplied.png\" alt=\"Bree\" width=\"184\" height=\"41\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/BreeLogo_Supplied.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/BreeLogo_Supplied.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/BreeLogo_Supplied.png?fit=552 552w\" sizes=\"(max-width: 552px) 100vw, 552px\" loading=\"lazy\"><\/p><p>If you need a short-term loan but you want to avoid expensive payday loans, <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/bree-review\">Bree<\/a> could be the answer. Bree offers access to a cash advance of up to $500 to tide you over until your next paycheque without incurring bank account overdraft fees. It doesn\u2019t charge any interest. There\u2019s a $2.99 monthly subscription fee if you need express funding, but there are no charges to worry about if you select standard funding. You also don\u2019t need to complete a credit check to get funds.<\/p><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2223342%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22provider_id%22%3A%224e4ab891-7bbb-4486-ab5c-34b55900e6c3%22%2C%22provider_name%22%3A%22Bree%22%2C%22post_id%22%3A%22754755%22%2C%22post_path%22%3A%22payday-loans%252Fpayday-loans-ontario%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small\">Go to site<\/a><\/p><\/div><\/article><h3>4. If you need a bad credit payday loan: Money Mart<\/h3><p><img decoding=\"async\" class=\"alignnone wp-image-959589 \" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/MoneyMartLogo_supplied_250x250.png\" alt=\"Money Mart\" width=\"135\" height=\"136\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/MoneyMartLogo_supplied_250x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/MoneyMartLogo_supplied_250x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/MoneyMartLogo_supplied_250x250.png?fit=405 405w\" sizes=\"(max-width: 405px) 100vw, 405px\" loading=\"lazy\"><br>Prefer the convenience of getting a payday loan in store? <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/money-mart\">Money Mart<\/a> is worth checking out. The lender operates dozens of stores across Ontario, so there\u2019s a good chance you\u2019ll find one near you. Bad credit won\u2019t stop you from getting a loan, and it\u2019s easy to apply for a loan in person and get funded within minutes.<\/p><div class=\"box\"><h4>Loan details<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount: <\/strong>$100 \u2013 $1,500<\/li><li><strong>Loan term: <\/strong>1 - 62 days<\/li><li><strong>Interest rate: <\/strong>$14 per $100 borrowed<\/li><li><strong>Serviced provinces: <\/strong>AB, BC, NS, ON, SK and MB<br><\/li><li><strong>Licensed payday lender:<\/strong> Yes<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Types of income accepted: <\/strong>child tax credit, EI, disability and pensions<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Credit check required:<\/strong> Yes<\/li><li><strong>Instant approval available:<\/strong> Yes<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><\/p><\/div><h4>How to apply in person<\/h4><ol><li>Visit your nearest Money Mart location.<\/li><li>Provide your name, contact details, date of birth and income and employment information.<\/li><li>Provide proof of ID, your most recent pay stub, a bank statement and a void cheque or pre-authorized debit form.<\/li><\/ol><h4>Pros and cons<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Network of over 500 stores across Canada<\/li><li>Fast access to funds<\/li><li>Bad credit is okay<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>High cost of borrowing<\/li><li>Short repayment terms<\/li><\/ul><\/div><\/div><h4>Summary of ratings and reviews<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Trustpilot rating<\/td><td>4.7\/5 stars based on 6,000+ Trustpilot reviews<\/td><\/tr><tr><td>Google rating<\/td><td>3.6\/5 stars based on 1,000+ reviews<\/td><\/tr><tr><td>Apple App Store rating<\/td><td>4.7\/5 stars based on 5,400+ reviews<\/td><\/tr><tr><td>BBB accreditation<\/td><td>No<\/td><\/tr><tr><td>BBB rating<\/td><td>F<\/td><\/tr><tr><td>BBB reviews<\/td><td>1\/5 based on 12 reviews<\/td><\/tr><tr><td>Reviews as of<\/td><td>November 28, 2025<\/td><\/tr><\/tbody><\/table><div class=\"luna-card__block\"><h4>Alternative to consider: Loan Express payday loan<\/h4><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><p><img decoding=\"async\" class=\"alignnone wp-image-976389 \" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/02\/LoanExpressLogo_Supplied_473x139.png\" alt=\"Loan Express\" width=\"265\" height=\"78\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/02\/LoanExpressLogo_Supplied_473x139.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/02\/LoanExpressLogo_Supplied_473x139.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/02\/LoanExpressLogo_Supplied_473x139.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/02\/LoanExpressLogo_Supplied_473x139.png?fit=795 795w\" sizes=\"(max-width: 795px) 100vw, 795px\" loading=\"lazy\"><\/p><p>Bad credit won\u2019t stop you from getting a loan from <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/loan-express-payday-loan-review\">Loan Express<\/a> either. This popular payday lender doesn\u2019t carry out credit checks, so you can qualify for funding even if your credit history is far from ideal. Loan Express\u2019 automated systems make it possible to get instant approval and fast funding 24\/7.<\/p><p style=\"text-align: center;\"><\/p><\/div><\/article><h3>5. If you are self-employed: Usolve Financial<\/h3><p><img decoding=\"async\" class=\"alignnone wp-image-1033602 has-padding-top-small has-padding-bottom-small\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Usolve_Supplied_400x125.jpg\" alt=\"Usolve\" width=\"193\" height=\"61\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Usolve_Supplied_400x125.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Usolve_Supplied_400x125.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Usolve_Supplied_400x125.jpg?fit=579 579w\" sizes=\"(max-width: 579px) 100vw, 579px\" loading=\"lazy\"><br>Some payday lenders don\u2019t accept self-employed income when you\u2019re applying for a loan, but Usolve Financial does. This Brampton-based payday lender also offers loans 24\/7, so you can apply and get funded within minutes. You also have the option to either apply online or in person at one of its 10 stores across Ontario.<\/p><div class=\"box\"><h4>Loan details<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount: <\/strong>$100 \u2013 $1,500<\/li><li><strong>Loan term: <\/strong>Up to 62 days<\/li><li><strong>Interest rate: <\/strong>$14 per $100 borrowed<\/li><li><strong>Serviced provinces: <\/strong>ON<br><\/li><li><strong>Licensed payday lender:<\/strong> Yes<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Types of income accepted: <\/strong>N\/A<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Credit check required:<\/strong> No<\/li><li><strong>Instant approval available:<\/strong> Yes<\/li><\/ul><\/div><\/div><p style=\"text-align: center;\"><\/p><\/div><h4>How to apply online<\/h4><ol><li>Visit the Usolve Financial website and select Apply online.<\/li><li>Answer Yes when asked if you live in Ontario and specify your source of income.<\/li><li>Provide your personal information and contact details before uploading proof of ID and a selfie.<\/li><li>Submit your application.<\/li><\/ol><h4>Pros and cons<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Apply online or in-store<\/li><li>Fast access to funds<\/li><li>Apply 24\/7<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Expensive<\/li><li>Short repayment terms<\/li><\/ul><\/div><\/div><h4>Summary of ratings and reviews<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Trustpilot rating<\/td><td>N\/A<\/td><\/tr><tr><td>BBB accreditation<\/td><td>No<\/td><\/tr><tr><td>BBB rating<\/td><td>D+<\/td><\/tr><tr><td>BBB reviews<\/td><td>0 reviews<\/td><\/tr><tr><td>Reviews as of<\/td><td>November 28, 2025<\/td><\/tr><\/tbody><\/table><\/div><div class=\"luna-card__block\"><h4>Alternative to consider: KOHO cash advance app<\/h4><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><p><img decoding=\"async\" class=\"alignnone wp-image-1042397 \" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg\" alt=\"Koho\" width=\"200\" height=\"111\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/p><p>KOHO is also a good option if you\u2019re self-employed or don\u2019t have a traditional, steady paycheque. You don\u2019t need to prove employment or upload pay stubs to open an account or use the Cover feature. As long as you have a KOHO account in good standing, you\u2019ll be approved for an interest-free cash advance of up to $250 to cover short-term expenses.<\/p><\/div><\/article><h3>Are payday loans legal in Ontario?<\/h3><p>Yes, payday loans are legal in Ontario. However, there are strict regulations in place under Ontario\u2019s Payday Loans Act to prevent lenders from taking advantage of borrowers. These regulations set out important information such as:<\/p><ul><li>The maximum cost of a payday loan<\/li><li>The maximum loan amount<\/li><li>The maximum loan term<\/li><li>How much the lender can charge you if you miss a payment<\/li><\/ul><h3>How much do payday loans in Ontario cost?<\/h3><p>The maximum cost of a payday loan in Ontario is $14 for every $100 borrowed.<\/p><p>This might not sound all that expensive at first, but you also need to take into account the very short repayment period. Payday loans are typically designed to be repaid when you get your next paycheque, so you only have an extremely limited amount of time to repay what you borrow. As a result, payday loans have extremely high APRs\u2014often in the triple digits.<\/p><p>That\u2019s why you should only ever consider a payday loan as a last resort, and check out a range of <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\">payday loan alternatives<\/a> before deciding if you should apply.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan amount<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan fee<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Total cost<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan term<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">APR<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>$250<\/td><td>$14 per $100 borrowed<\/td><td>$285<\/td><td>14 days<\/td><td>365%<\/td><\/tr><\/tbody><\/table><h3>Am I eligible?<\/h3><p>Requirements vary between lenders, but you\u2019ll generally need to meet the following eligibility criteria to get a payday loan in Ontario:<\/p><ul><li>Be at least 18 years old<\/li><li>Have a recurring income<\/li><li>Have an active chequing account<\/li><\/ul><h3>Payday loan regulations in Ontario<\/h3><p>Before taking out a payday loan in Ontario, protect yourself as a borrower by knowing your rights. Below is a summary of payday loan regulations in Ontario, but be sure to visit the Ontario government website for more details.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Borrowing fee<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can\u2019t be charged more than $14 for every $100 borrowed for a payday loan in Ontario.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Loan amount<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>An Ontario lender can\u2019t lend more than 50% of your net income, up to $1,500.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Loan term<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The maximum payday loan term in Ontario is 62 days.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Cancellation period<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Should you change your mind and want to cancel your payday loan, you have two business days to do so without facing a penalty. You also don\u2019t have to provide a reason for cancelling.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Repayment<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can pay the full balance any time without penalty.<\/p><p>If you take out three loans within a 63-day period, lenders must offer you an extended payment plan. You have the option of paying the loan back in installments.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Loan in default<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A maximum interest rate of 2.5% per month (without compounding) can apply to the outstanding principal of a payday loan in default.<\/p><p>A maximum fee of $25 can be charged for bounced cheques or pre-authorized debits (to be charged once only).<\/p><p>The lender can\u2019t contact you more than three times a week.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Rollover loans<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Rollover loans are not allowed. This means you can\u2019t roll over what you owe into a second payday loan, but instead have to fully repay your payday loan in Ontario before taking out another loan with the same lender.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Other regulations<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><\/div><p>A lender can\u2019t provide a second payday loan until after you\u2019ve paid off the first one.<\/p><p>Ontario lenders cannot ask you to sign a form that transfers your wages directly to them.<\/p><p>Lenders cannot offer or sell you any products or services in connection with the payday loan.<\/p><div class=\"luna-card__block\"><\/div>\n  <\/div>\n<\/li><\/ul><h3>How do I get an instant payday loan?<\/h3><p><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/instant-loans-canada\">Lenders that offer instant payday loans<\/a> use automated systems and instant bank verification to speed up the approval process. After you apply, you typically receive a decision within a few minutes. Once you submit your contract, you also get your funding within a few minutes via Interac e-Transfer.<\/p><p>Below is a sample of lenders that provide instant decisions and funding.<\/p><ul><li><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/cash-money-payday-loan\">Cash Money<\/a> (online and in-store)<\/li><li><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/icash-payday-loans-review\">iCash<\/a> (online only)<\/li><li><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/goday-review\">GoDay<\/a> (online only)<\/li><\/ul><p>For a seamless application process, make sure you\u2019re eligible for the loan first and submit all required documents. If your lender has to contact you about missing information, the process could be delayed.<\/p><h3>What do I need to successfully borrow online?<\/h3><p>Several lenders offer completely online payday loans in Ontario. It\u2019s quick and easy to apply by filling out an application form on the lender\u2019s website, while some lenders also allow you to apply through their mobile app. It\u2019ll usually take 5\u201310 minutes to apply, and an increasing number of lenders support instant online bank verification to speed up the application process.<\/p><p>Once you\u2019ve submitted your application and provided your contact details, you should receive a decision within minutes. You can receive your funds via Interac e-Transfer or direct deposit.<\/p><h3>How can I tell if a payday lender in Ontario is legitimate?<\/h3><p>The easiest way to make sure a lender is legit is to check their credentials with Consumer Protection Ontario. Look for the following signs to make sure you\u2019re working with a reputable business.<\/p><ul><li>The lender displays an Ontario licence number. Always check that a lender is licensed by searching its business name in this registry.<\/li><li>The lender doesn\u2019t allow roll-overs or multiple loans. Ontario law doesn\u2019t allow payday lenders to give out multiple loans. You also cannot roll over your loan, meaning you can\u2019t add what you owe on one payday loan onto a second payday loan.<\/li><li>The lender follows fee regulations. Stay away from lenders who charge more than $14 for every $100 borrowed.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-scams\" style=\"text-decoration:underline; font-size:0.9em;\">Payday loan scams<\/a>\n<\/div>\n<\/article><h3>Besides payday loans, where can I get financial help in Ontario?<\/h3><p>If you find you\u2019re frequently running short on funds and need payday loans in Ontario, it\u2019s worth looking into the following alternatives.<\/p><h4>Ontario assistance programs<\/h4><p>Ontario has some programs that can help lower the costs of everyday expenses for residents and newcomers who are struggling to make ends meet.<\/p><ul><li>The Ontario Child Benefit provides low-income families with financial assistance to cover expenses like medical bills, food, rent and utility bills.<\/li><li>Ontario Works can provide you with money and help you find a job during temporary financial difficulties.<\/li><li>The Canadian government\u2019s Resettlement Assistance Program provides financial assistance to refugees and protected persons for accommodations, essential clothing, household effects and living expenses.<\/li><li>The Income Assistance Program provides funding to First Nations communities to help their eligible members meet basic needs, such as food, clothing and shelter.<\/li><li>The Ontario Disability Support Program helps people with disabilities who are in financial need pay for living expenses, like food and housing.<\/li><\/ul><h4>Local financial institutions<\/h4><p>Some credit unions and local banks offer less expensive small loans with longer repayment terms.<\/p><h4>Credit counselling<\/h4><p>If you\u2019re struggling with your personal finances, you might want to consider enrolling in a credit counselling program. These programs can help you make a budget and manage your debts for the long term.<\/p><div class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h4>Do you live in any of these cities? Explore loans available to you<\/h4><ul><li><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-toronto\">Toronto<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-hamilton\">Hamilton<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ottawa\">Ottawa<\/a><\/li><\/ul><\/div><\/div><h3>Bottom line<\/h3><p>If you\u2019re looking for a quick and easy solution to deal with a short-term financial problem, a payday loan might be just what you need. However, payday loans can be costly to repay, so if your needs are smaller or you want a more flexible option, consider using a cash advance app instead. And if you want to avoid borrowing altogether, look into alternatives like credit counselling or government assistance programs.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Who can I contact if I have a complaint about a payday lender in Ontario?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can file a complaint with Consumer Protection Ontario, who will act on your behalf if the company fails to respond to a preliminary letter of complaint. You can make a complaint by filling out an online form, emailing consumer@ontario.ca or sending your complaint by mail. Visit this page on the Consumer Protection Ontario website to learn more. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Can you get payday loans in Ontario with no credit check?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. Some payday lenders in Ontario don't do credit checks. Examples include Wagepay, PAY2DAY and Usolve Financial. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Where can I get bad credit payday loans in Ontario?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can get bad credit payday loans from most payday lenders. Payday lenders in general have lenient eligibility requirements, and many are open to low credit scores. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Do payday loans affect my credit score?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Most payday lenders don\u2019t report to credit bureaus, so repaying on time usually won\u2019t improve your credit. However, if you default and the loan is sent to collections, it can negatively impact your credit score. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">What\u2019s the difference between a cash advance app and a payday loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>A cash advance app lets you access a portion of your upcoming paycheque with little to no fees, flexible repayment and no interest, making it a lower-cost option for short-term needs. A payday loan, on the other hand, is a high-cost, fixed-fee loan that must be repaid in full on your next payday. It can lead to a cycle of debt if not managed carefully. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000005\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000005\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Compare cash advances and payday loans in Ontario for fast, convenient access to emergency funds.<\/p>\n","protected":false},"author":516,"featured_media":1069906,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[5506],"tags":[],"asset_tag":[],"class_list":["post-754755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payday-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Payday Loans &amp; Cash Advances in Ontario for Instant Funds<\/title>\n<meta name=\"description\" content=\"Discover payday loans in Ontario and cash advance apps. Get instant online approval, no credit check and 24\/7 access to funds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Payday Loans in Ontario | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"Discover payday loans in Ontario and cash advance apps. Get instant online approval, no credit check and 24\/7 access to funds.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-21T05:20:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tim Falk\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tim Falk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"26 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\"},\"author\":[{\"name\":\"Tim Falk\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464\"},{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/dac978d814ec5930cc37687e07dc2c41\"}],\"headline\":\"5 Payday Loans &#038; Cash Advances in Ontario\",\"datePublished\":\"2018-11-21T05:20:30+00:00\",\"dateModified\":\"2026-01-12T14:50:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\"},\"wordCount\":4816,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg\",\"articleSection\":[\"Payday Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Government of Canada: Payday loans\",\"url\":\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/loans\/payday-loans.html\"},{\"@type\":\"CreativeWork\",\"name\":\"Ontario Government: Payday loan\",\"url\":\"https:\/\/www.ontario.ca\/page\/payday-loan-your-rights\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\",\"url\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\",\"name\":\"5 Payday Loans & Cash Advances in Ontario for Instant Funds\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg\",\"datePublished\":\"2018-11-21T05:20:30+00:00\",\"dateModified\":\"2026-01-12T14:50:04+00:00\",\"description\":\"Discover payday loans in Ontario and cash advance apps. Get instant online approval, no credit check and 24\/7 access to funds.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg\",\"width\":1800,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"CA\",\"item\":\"https:\/\/www.finder.com\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Payday Loans\",\"item\":\"https:\/\/www.finder.com\/ca\/payday-loans\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"5 Payday Loans & Cash Advances in Ontario\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/ca\/#website\",\"url\":\"https:\/\/www.finder.com\/ca\/\",\"name\":\"Finder Canada\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/ca\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464\",\"name\":\"Tim Falk\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/TimFalkF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/TimFalkF1_Finder_600x600.png\",\"caption\":\"Tim Falk\"},\"description\":\"Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he\u2019s not staring at his computer, you can usually find him exploring the great outdoors.\",\"url\":\"https:\/\/www.finder.com\/ca\/author\/timfalk\",\"jobTitle\":\"Writer\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Stock Trading\"},{\"@type\":\"Thing\",\"name\":\"Cryptocurrency\"}],\"sameAs\":[],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/dac978d814ec5930cc37687e07dc2c41\",\"name\":\"Rebecca Low\",\"description\":\"Rebecca Low is a writer for Finder. She has contributed to a range of digital publications, including income.ca, Indeed, and Expatden, writing on topics like personal finance, career development, and travel. Rebecca also brings a strong editorial background to her work, as she\u2019s an experienced non-fiction book editor with the Ultimate 48 Hour Author.\\r\\nShe holds an Honours Bachelor of Arts in English, linguistics, and book & media studies from Canada\u2019s top university, the University of Toronto.\\r\\nShe\u2019s passionate about crafting content that informs and inspires readers, and when she\u2019s not writing, she\u2019s usually abroad or planning her next trip!\",\"jobTitle\":\"Writer\",\"url\":\"https:\/\/www.finder.com\/ca\/author\/rebeccalow\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\/dac978d814ec5930cc37687e07dc2c41\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg\",\"caption\":\"Rebecca Low\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72\",\"name\":\"Leanne Escobal\",\"description\":\"Leanne Escobal is a senior publisher at Finder with more than 13 years of experience in financial products and services, with a focus on content strategy and marketing. She has completed the Canadian Securities Course (CSC\u00ae) as well as the Personal Lending and Mortgages course through the Canadian Securities Institute. Leanne holds a Bachelor of Arts (Honours) in English literature and creative writing from Western University.\",\"jobTitle\":\"Senior Publisher\",\"url\":\"https:\/\/www.finder.com\/ca\/author\/leanneescobal\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/leanne-escobal\/\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Business Loans\"},{\"@type\":\"Thing\",\"name\":\"Short-Term Loans\"},{\"@type\":\"Thing\",\"name\":\"International Money Transfers\"},{\"@type\":\"Thing\",\"name\":\"Make Money Online\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\/9d47eeda06b879b07a813536f2068c72\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/LeanneEscobalF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/LeanneEscobalF1_Finder_600x600.png\",\"caption\":\"Leanne Escobal\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\"}},{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who can I contact if I have a complaint about a payday lender in Ontario?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rYou can file a complaint with Consumer Protection Ontario, who will act on your behalf if the company fails to respond to a preliminary letter of complaint. You can make a complaint by filling out an online form, emailing consumer@ontario.ca or sending your complaint by mail. Visit this page on the Consumer Protection Ontario website to learn more. \"}},{\"@type\":\"Question\",\"name\":\"Can you get payday loans in Ontario with no credit check?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rYes. Some payday lenders in Ontario don't do credit checks. Examples include Wagepay, PAY2DAY and Usolve Financial. \"}},{\"@type\":\"Question\",\"name\":\"Where can I get bad credit payday loans in Ontario?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rYou can get bad credit payday loans from most payday lenders. Payday lenders in general have lenient eligibility requirements, and many are open to low credit scores. \"}},{\"@type\":\"Question\",\"name\":\"Do payday loans affect my credit score?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rMost payday lenders don\u2019t report to credit bureaus, so repaying on time usually won\u2019t improve your credit. However, if you default and the loan is sent to collections, it can negatively impact your credit score. \"}},{\"@type\":\"Question\",\"name\":\"What\u2019s the difference between a cash advance app and a payday loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rA cash advance app lets you access a portion of your upcoming paycheque with little to no fees, flexible repayment and no interest, making it a lower-cost option for short-term needs. A payday loan, on the other hand, is a high-cost, fixed-fee loan that must be repaid in full on your next payday. It can lead to a cycle of debt if not managed carefully. \"}}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-01-12T14:50:04+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"5 Payday Loans & Cash Advances in Ontario for Instant Funds","description":"Discover payday loans in Ontario and cash advance apps. Get instant online approval, no credit check and 24\/7 access to funds.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario","og_locale":"en_US","og_type":"article","og_title":"Best Payday Loans in Ontario | Finder Canada","og_description":"Discover payday loans in Ontario and cash advance apps. Get instant online approval, no credit check and 24\/7 access to funds.","og_url":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario","og_site_name":"Finder Canada","article_published_time":"2018-11-21T05:20:30+00:00","og_image":[{"width":1800,"height":1000,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg","type":"image\/jpeg"}],"author":"Tim Falk","twitter_misc":{"Written by":"Tim Falk","Est. reading time":"26 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#article","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario"},"author":[{"name":"Tim Falk","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464"},{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/dac978d814ec5930cc37687e07dc2c41"}],"headline":"5 Payday Loans &#038; Cash Advances in Ontario","datePublished":"2018-11-21T05:20:30+00:00","dateModified":"2026-01-12T14:50:04+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario"},"wordCount":4816,"publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg","articleSection":["Payday Loans"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"editor":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72"},"citation":[{"@type":"CreativeWork","name":"Government of Canada: Payday loans","url":"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/loans\/payday-loans.html"},{"@type":"CreativeWork","name":"Ontario Government: Payday loan","url":"https:\/\/www.ontario.ca\/page\/payday-loan-your-rights"}],"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario","url":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario","name":"5 Payday Loans & Cash Advances in Ontario for Instant Funds","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg","datePublished":"2018-11-21T05:20:30+00:00","dateModified":"2026-01-12T14:50:04+00:00","description":"Discover payday loans in Ontario and cash advance apps. Get instant online approval, no credit check and 24\/7 access to funds.","breadcrumb":{"@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Lenders-in-Ontario_Canva_1800x1000.jpg","width":1800,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ontario#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"CA","item":"https:\/\/www.finder.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Payday Loans","item":"https:\/\/www.finder.com\/ca\/payday-loans"},{"@type":"ListItem","position":3,"name":"5 Payday Loans & Cash Advances in Ontario"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/ca\/#website","url":"https:\/\/www.finder.com\/ca\/","name":"Finder Canada","description":"","publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464","name":"Tim Falk","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/TimFalkF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/TimFalkF1_Finder_600x600.png","caption":"Tim Falk"},"description":"Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he\u2019s not staring at his computer, you can usually find him exploring the great outdoors.","url":"https:\/\/www.finder.com\/ca\/author\/timfalk","jobTitle":"Writer","knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Stock Trading"},{"@type":"Thing","name":"Cryptocurrency"}],"sameAs":[],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/dac978d814ec5930cc37687e07dc2c41","name":"Rebecca Low","description":"Rebecca Low is a writer for Finder. She has contributed to a range of digital publications, including income.ca, Indeed, and Expatden, writing on topics like personal finance, career development, and travel. Rebecca also brings a strong editorial background to her work, as she\u2019s an experienced non-fiction book editor with the Ultimate 48 Hour Author.\r\nShe holds an Honours Bachelor of Arts in English, linguistics, and book & media studies from Canada\u2019s top university, the University of Toronto.\r\nShe\u2019s passionate about crafting content that informs and inspires readers, and when she\u2019s not writing, she\u2019s usually abroad or planning her next trip!","jobTitle":"Writer","url":"https:\/\/www.finder.com\/ca\/author\/rebeccalow","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\/dac978d814ec5930cc37687e07dc2c41","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg","caption":"Rebecca Low"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72","name":"Leanne Escobal","description":"Leanne Escobal is a senior publisher at Finder with more than 13 years of experience in financial products and services, with a focus on content strategy and marketing. She has completed the Canadian Securities Course (CSC\u00ae) as well as the Personal Lending and Mortgages course through the Canadian Securities Institute. Leanne holds a Bachelor of Arts (Honours) in English literature and creative writing from Western University.","jobTitle":"Senior Publisher","url":"https:\/\/www.finder.com\/ca\/author\/leanneescobal","sameAs":["https:\/\/www.linkedin.com\/in\/leanne-escobal\/"],"knowsAbout":[{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Business Loans"},{"@type":"Thing","name":"Short-Term Loans"},{"@type":"Thing","name":"International Money Transfers"},{"@type":"Thing","name":"Make Money Online"}],"image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\/9d47eeda06b879b07a813536f2068c72","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/LeanneEscobalF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/LeanneEscobalF1_Finder_600x600.png","caption":"Leanne Escobal"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"Who can I contact if I have a complaint about a payday lender in Ontario?","acceptedAnswer":{"@type":"Answer","text":"\rYou can file a complaint with Consumer Protection Ontario, who will act on your behalf if the company fails to respond to a preliminary letter of complaint. You can make a complaint by filling out an online form, emailing consumer@ontario.ca or sending your complaint by mail. Visit this page on the Consumer Protection Ontario website to learn more. "}},{"@type":"Question","name":"Can you get payday loans in Ontario with no credit check?","acceptedAnswer":{"@type":"Answer","text":"\rYes. Some payday lenders in Ontario don't do credit checks. Examples include Wagepay, PAY2DAY and Usolve Financial. "}},{"@type":"Question","name":"Where can I get bad credit payday loans in Ontario?","acceptedAnswer":{"@type":"Answer","text":"\rYou can get bad credit payday loans from most payday lenders. Payday lenders in general have lenient eligibility requirements, and many are open to low credit scores. "}},{"@type":"Question","name":"Do payday loans affect my credit score?","acceptedAnswer":{"@type":"Answer","text":"\rMost payday lenders don\u2019t report to credit bureaus, so repaying on time usually won\u2019t improve your credit. However, if you default and the loan is sent to collections, it can negatively impact your credit score. "}},{"@type":"Question","name":"What\u2019s the difference between a cash advance app and a payday loan?","acceptedAnswer":{"@type":"Answer","text":"\rA cash advance app lets you access a portion of your upcoming paycheque with little to no fees, flexible repayment and no interest, making it a lower-cost option for short-term needs. A payday loan, on the other hand, is a high-cost, fixed-fee loan that must be repaid in full on your next payday. It can lead to a cycle of debt if not managed carefully. "}}]}]},"article_modified_time":"2026-01-12T14:50:04+00:00"},"custom_fields":{"show_author_box":["yes"],"_masthead_subheading":["{\"text\":\"Here&#039;s how to get instant, online access to emergency cash.\"}"],"_content_type":["niche-content\/information\/what-is"],"_masthead_variant":["{\"id\":\"beta-widget\",\"showFeaturedImage\":false,\"presetId\":\"shortcode\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"[nb:product niche_code=\\\"CAFPL-CAA\\\" id=\\\"f256ae15-efed-4744-b404-5007adc7d719\\\" decorator=\\\"GLOBAL.PRODUCT.HERO_CAFIN_MASTHEAD_REBATE\\\" TITLE=\\\"{{GENERAL.NAME}}\\\" BULLET_ONE=\\\"{{DESCRIPTIONS.GENERAL_DESCRIPTION}} \\\" BULLET_TWO=\\\"{{DESCRIPTIONS.HERO_SIDEBAR_POINTS_}}\\\" BULLET_THREE=\\\"{{DESCRIPTIONS.HERO_CONTENT_DESCRIPTION}}\\\"]\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/754755"}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/516"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=754755"}],"version-history":[{"count":13,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/754755\/revisions"}],"predecessor-version":[{"id":1076980,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/754755\/revisions\/1076980"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1069906"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=754755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=754755"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=754755"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=754755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}