Contact Instant Credit S.E.C
Questions about applying, what a loan costs, a payment coming due, or a complaint — this is where to reach us.
Send us a question
We answer every enquiry within one business day. This form is for questions — applications are taken online, through the application itself.
Other ways to reach us
Email is fastest. If your payment is due today, call — do not wait for a reply.
Phone
(514) 600-0924Licensed office
2233 Argentia Road, Unit 302
Mississauga, Ontario L5N 2X7
This is the main office on our Ontario payday lender licence. It is not a storefront — everything is done online.
Privacy Officer
privacy@instant.creditInstant Credit S.E.C is licensed as a payday lender in Ontario under the Payday Loans Act, 2008, licence no. 4741682 (expires 2027-09-03).
Our payday lender licence is issued by Ontario and covers Ontario residents only. If you live in another province, we cannot lend to you and you will need a lender licensed where you live.
When we may contact you
If you fall behind on a payment, Ontario limits when a lender may call you. These are those limits.
- Monday to Saturday: not before 7 a.m. and not after 9 p.m., your local time.
- Sunday: only between 1 p.m. and 5 p.m.
- Not at all on eleven listed statutory holidays.
A call outside those hours is not one we are permitted to make. If you receive one, tell us and tell the Ministry.
Ministry of Public and Business Service Delivery, Consumer Services Operations Division
- Phone: (416) 326-6203
- Email: CPOLicensing@Ontario.ca
- Quote licence no. 4741682.
If something has gone wrong
Tell us first — most things are fixed the same day. If we cannot resolve it, you can take it to the regulator, and you do not need our permission to do so.
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1. Come to us
Email support@instant.credit with your name, the phone number on your file and what happened. We acknowledge every complaint within one business day and aim to resolve it within ten.
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2. Take it to the Ministry
Ontario payday lenders are licensed and supervised by the province. You can verify our licence, or make a complaint about us, directly with the regulator — at any time, whether or not you have raised it with us first.
Complaints about how we handled your personal information can also go to our Privacy Officer at privacy@instant.credit, and from there to the Office of the Privacy Commissioner of Canada.