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INSTANT.CREDIT
Ontario cities

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.

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“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 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 paid by Interac e-Transfer — once you are approved and your agreement is signed, 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.

  • No storefront, no travel

    Nothing to visit, nothing to sign in person. The whole loan happens on your phone.

  • Open when you need it

    Applications and e-Transfers run 24/7 — evenings, weekends and overnight included.

  • The same price everywhere

    $14 per $100 borrowed, Ontario's maximum total cost of borrowing, in every city on this page.

  • 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.

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.

$14 per $100 borrowed

On a 14-day term that is an APR of 365%. The maximum advance is $1,500 and the maximum term is 62 days. See the full breakdown on rates and fees.

What will it cost?

See the full cost before you apply — every figure, up front.

$500
$100 $1,500
Until your next pay
$70.00
Cost of borrowing
$570.00
Total you repay
$14 per $100
Ontario maximum
365%
Annual percentage rate

Payday loans are high-cost loans. Borrowing $100 for two weeks costs $14.

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Illustration from your figures — not an offer, quote or approval. The amount you can borrow is capped at 50% of your net pay.

Near you

Questions about borrowing near you

The ones that come up wherever in Ontario people are applying from.

Not one of ours. INSTANT.CREDIT is an online lender with no retail locations. You apply, get a decision and receive your funds 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 paid by Interac e-Transfer, once you are approved and your agreement is signed, 24 hours a day including evenings and weekends.

Up to $1,500, and never more than 50% of your net pay for the pay period. Ontario also caps the term of a payday loan at 62 days, and your loan cannot fall due before your next regular income date.

You can cancel a payday loan by the end of the second business day 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.

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Cost of borrowing disclosure

The maximum allowable cost of borrowing under payday loan agreements is $14 for each $100 advanced.

Our cost of borrowing per $100 advanced
$14.00
That cost on $500 for 14 days, as an APR
365%
Amount of the advance
$500.00
Term of the agreement
14 days
Cost of borrowing
$70.00 (365% APR)
Total you must repay
$570.00

Figures shown are for a representative $500.00 loan over 14 days at our cost of borrowing of $14.00 per $100. The cost of your own agreement is calculated on the actual amount and actual term and is set out in full on the first page of your agreement before you sign. Annual percentage rates are calculated in accordance with section 55 of Ontario Regulation 17/05 under the Consumer Protection Act, 2002.

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