Payday Loans Near You, Anywhere in Ontario
We are an online lender, so the nearest branch is your phone. Borrow up to $1,500 and receive it by Interac e-Transfer, 24 hours a day.
“Payday loans near me” — when the lender is online
Searching for a payday loan near you usually turns up storefronts: a shop with limited hours, a queue, and a drive to get there. Instant Credit S.E.C works differently. We are a licensed Ontario payday lender that operates entirely online, so there is no branch to find and no opening time to work around.
You apply from your phone instantly, get a decision as soon as you finish, and 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. Whether you are in downtown Toronto or a small town in Essex County, the loan works exactly the same.
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No storefront, no travel
Nothing to visit, nothing to sign in person. The whole loan happens on your phone.
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Online when you need it
Applications and e-Transfers run 24/7 — evenings, weekends and overnight included.
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The same price everywhere
$14 per $100 borrowed, Ontario's maximum total cost of borrowing, in every city on this page.
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One provincial licence
Ontario Payday Lender Licence 4741682 covers the whole province, not a single location.
Payday loans by city
Local pages for the Ontario cities people search from most. Every one of them is served by the same online application.
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Payday Loans in Toronto
Fully online across the GTA, funded by e-Transfer 24/7 — no line-up on Yonge Street.
Downtown · Scarborough · North York · Etobicoke · East York
Toronto payday loans -
Payday Loans in Hamilton
Built for shift and hourly work — apply from the Mountain, the lower city or Stoney Creek.
Downtown · The Mountain · Stoney Creek · Dundas · Ancaster
Hamilton payday loans -
Payday Loans in Ottawa
Online across the capital, from Centretown to Barrhaven, Orléans and Kanata.
Centretown · ByWard Market · Barrhaven · Orléans · Nepean · Kanata
Ottawa payday loans -
Payday Loans in Brampton
Online around the clock for warehouse, trucking and Pearson-area shift workers.
Downtown Brampton · Bramalea · Mount Pleasant · Springdale · Heart Lake
Brampton payday loans -
Payday Loans in Windsor
For auto-sector and cross-border shift work, funded by e-Transfer around the clock.
Walkerville · South Windsor · Riverside · Tecumseh · LaSalle
Windsor payday loans -
Payday Loans in Mississauga
Our licensed main office is here — and the whole loan still happens online, by e-Transfer.
City Centre · Streetsville · Malton · Port Credit · Meadowvale · Erin Mills
Mississauga payday loans
Not on the list?
These are the cities we have written pages for, not the limit of where we lend. Instant Credit S.E.C is licensed to make payday loans anywhere in Ontario — London, Kitchener-Waterloo, Barrie, Sudbury, Thunder Bay, Kingston, Oshawa and everywhere between. Our licence is an Ontario licence, so we cannot lend outside the province.
What it costs, in every city
Ontario caps the total cost of borrowing a payday loan at $14 per $100 advanced. That is what we charge, and it is the only thing we charge — the location you apply from makes no difference to the price.
On a 14-day term that is an APR of 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. See the full breakdown on rates and fees.
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.
Questions about borrowing near you
The ones that come up wherever in Ontario people are applying from.
Not one of ours. Instant Credit S.E.C is an online lender with no retail locations. You apply, get a decision and get funded instantly by Interac e-Transfer without going anywhere.
If you live in Ontario, yes. Ontario Payday Lender Licence 4741682 covers the entire province, so where you live in Ontario does not affect whether you can apply. We are not licensed to lend outside Ontario.
No. Ontario sets a single maximum total cost of borrowing of $14 per $100 advanced, and it applies province-wide. A $300 loan costs $42 in Toronto, in Windsor and everywhere else.
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.
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. We never lend more than 50% of your net pay for the pay period. Your loan cannot fall due before your next regular income date.
You can cancel a 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. If we did not give you a compliant copy of your agreement, or did not make the advance available to you within one hour, that cancellation right does not expire at all.
Instant Credit S.E.C is licensed as a payday lender in Ontario under the Payday Loans Act, 2008, licence number 4741682, expiring 2027-09-03. We lend in Ontario only. To verify this licence or make a complaint, contact the Ministry of Public and Business Service Delivery, Consumer Services Operations Division at (416) 326-6203 or CPOLicensing@Ontario.ca.
Apply from wherever you are
An instant application on your phone, a decision as soon as you finish, and funds by Interac e-Transfer — anywhere in Ontario.