Instant Payday Loans
Up To $1,500,
By e‑Transfer
Apply online instantly, get a decision as soon as you finish, and get funded instantly by Interac e-Transfer — 24/7, no storefront visit.
Licensed in Ontario · Payday Lender Licence 4741682
What will it cost?
See the full cost before you apply — every figure, up front.
Due on day 14 after you sign, or the day after your next payday if that is later; a due date on a weekend or a holiday moves to the next banking day. Your exact due date, term in days and APR are shown before you sign.
Apply NowIllustration from your figures — not an offer, quote or approval. We may lend less than you ask: at most half of your net pay for one pay period, worked out from your bank transactions.
The Numbers, Before You Apply
Ontario sets what a payday loan may cost and what you are entitled to. Here is where we sit against those limits.
A Payday Loan With a Virtual Storefront
Fully online, fully licensed, and priced at the Ontario cap with nothing added on top.
Funded instantly by Interac e-Transfer
We send the e-Transfer when you sign — evenings and weekends included.
Apply instantly
From your phone or desktop. Connect your bank securely instead of scanning and faxing documents.
$14 per $100, and nothing else
That is Ontario's maximum total cost of borrowing. No application fee, no processing fee, no broker fee. Only a missed payment can add anything, and those charges are capped too.
All credit welcome
Approval is based on your income and banking history, not on your credit score alone.
Two days to change your mind
Cancel any payday loan by the end of the second day after you receive your agreement and your money, at no cost and for no stated reason. It is your right in Ontario.
Licensed and accountable
Ontario Payday Lender Licence 4741682, issued under the Payday Loans Act, 2008. Verify it with the Ministry any time.
Three Steps to Your e-Transfer
Apply online, instantly — no documents to scan, no store to visit.
Apply online
Tell us how much you need and when you next get paid. The application is instant.
Connect your bank
A secure read-only connection confirms your income and banking history. Nothing is faxed or uploaded.
Get funded instantly
Approved applicants are funded instantly by Interac e-Transfer, and repay in one payment on the due date in their agreement, on or just after their next payday.
What Ontario Guarantees You
These apply to every payday loan in the province, from us or anyone else.
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Cancel within two days
You may cancel a payday loan up to the end of the second day after you get your agreement and your money — or the next day we are open, if we are closed then — at no cost and without giving a reason.
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Never more than 50% of your net pay
A single payday loan cannot advance you more than half your net pay for the period.
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Instalments on a third loan in 63 days
If a lender makes you a third payday loan within 63 days, Ontario requires that loan to be repaid in instalments across at least two pay periods, three if you are paid twice a month or more often, with no extra fee. We do not make a third payday loan within 63 days.
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No rollovers
An Ontario lender may not lend you money to pay off an existing payday loan with them, or charge you to extend one.
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Nothing is due before your next payday
A payday loan cannot come due before your next regular income date. A payday loan is $1,500 or less, for 62 days or less. We lend up to $1,500, for up to 30 days, or for 61 days.
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Somewhere to complain
If you think a lender has broken these rules, contact the Ministry of Public and Business Service Delivery at (416) 326-6203 or CPOLicensing@Ontario.ca.
Frequently Asked Questions
Straight answers about what a payday loan costs, who qualifies, and what you are entitled to.
$14 for every $100 you borrow. That is the maximum total cost of borrowing allowed under the Payday Loans Act, 2008, and it is what we charge — there is no application fee, processing fee or broker fee on top. On $500 over 14 days the cost is $70, you repay $570, and the annual percentage rate is 365.00%.
A payday loan is $1,500 or less, for 62 days or less. We lend up to $1,500, for up to 30 days, or for 61 days. Ontario also caps a single payday loan at 50% of your net pay for the period, so the amount you are offered depends on what you actually take home.
Approved applicants are funded instantly by Interac e-Transfer. We send the e-Transfer when you sign, 24 hours a day including evenings and weekends.
No. Our payday lender licence is issued by Ontario and covers Ontario residents only. If you live elsewhere in Canada, you will need a lender licensed in your own province.
All credit is welcome. We look at your income and banking history rather than your credit score alone, so a low score does not rule you out on its own. Every application is assessed — no lender can guarantee approval.
You can cancel any Ontario payday loan by the end of the second day after you receive the loan and a copy of your agreement at no cost and without giving a reason. Return the principal and you owe nothing further.
If you think you cannot pay on your due date, you can contact us before it; it costs nothing. Only a missed payment can add anything, and those amounts are limited by Ontario law.
Questions Before You Apply?
Ask us anything about eligibility, cost or repayment and we will come back to you within one business day.
See what it costs before you apply
Every figure up front — the cost of borrowing, the total you repay, and the date it is due.