Payday Loans in Mississauga
Up to $1,500 by Interac e-Transfer, online — no driving across a city where everything is a drive away.
Mississauga is built around Pearson Airport and the logistics, aviation and corporate jobs that surround it — a lot of shift work, a lot of commuting, and GTA-level housing costs. When an expense lands before payday, driving to a storefront across a sprawling, car-dependent city is the last thing you need. INSTANT.CREDIT lets Mississauga residents borrow up to $1,500 online and receive it by Interac e-Transfer once you are approved.
From Square One and City Centre to Streetsville, Malton, Port Credit and Meadowvale, apply from your phone instantly — 24/7, no appointment.
How it works
- 1
Apply online, instantly
A secure bank connection, and no documents.
- 2
Get a decision as soon as you finish
Based on your income, so all credit is welcome.
- 3
Funds by e-Transfer once you are approved
Any time, including evenings and weekends.
What a Mississauga payday loan costs
Ontario's maximum and nothing more: $14 per $100 borrowed.
| You borrow | Cost of borrowing | You repay | Term | APR |
|---|---|---|---|---|
| $300 | $42 | $342 | 14 days | 365% |
| $500 | $70 | $570 | 14 days | 365% |
Cost of borrowing at $14 per $100, on a 14-day term.
A payday loan is an expensive form of short-term credit. Borrow only what you can repay on your next payday.
Full pricing, including the only two charges that can ever be added, is on our rates and fees page.
What will it cost?
See the full cost before you apply — every figure, up front.
Payday loans are high-cost loans. Borrowing $100 for two weeks costs $14.
Apply NowIllustration from your figures — not an offer, quote or approval. The amount you can borrow is capped at 50% of your net pay.
Why Mississauga residents choose INSTANT.CREDIT
- No driving across the city — it is fully online.
- Funds by Interac e-Transfer by Interac e-Transfer, 24/7.
- Up to $1,500, with transparent $14 per $100 pricing.
- All credit welcome — approval is based on your income and banking history.
- Licensed in Ontario — Payday Lender Licence 4741682, main office in Mississauga.
Borrowing in Mississauga
Mississauga is a major employment hub — Pearson, the aviation and cargo operations around it, warehousing, and a large corporate office base. That means a lot of shift and hourly workers facing the same GTA housing costs as Toronto, spread across a suburban city where everything is a drive away. Online lending removes that distance: a Malton warehouse worker or a Square One retail employee can apply and be funded by Interac e-Transfer without crossing the city or waiting for a branch to open.
Mississauga is also where our licence lives. The main office on Ontario Payday Lender Licence 4741682 is at 2233 Argentia Road, Unit 302, Mississauga, ON L5N 2X7. It is an office, not a storefront — every loan is applied for, approved and funded online — but if you want to check who you are borrowing from, that is the address on the licence.
Serving every part of Mississauga
- City Centre
- Streetsville
- Malton
- Port Credit
- Meadowvale
- Erin Mills
Mississauga payday loan FAQs
What people in Mississauga ask us most.
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.
No. INSTANT.CREDIT is entirely online, anywhere in the city. Our Argentia Road office is a head office, not a walk-in payday store.
Up to $1,500, and never more than 50% of your net pay for the pay period, which is Ontario's limit.
Yes. INSTANT.CREDIT S.E.C holds Ontario Payday Lender Licence 4741682 under the Payday Loans Act, 2008, and the main office on that licence is at 2233 Argentia Road, Unit 302, Mississauga.
Yes. We lend to people with steady income on any pay cycle, including shift workers.
All credit is welcome. Approval is based on your income and banking history, not only on your credit score.
$42 at $14 per $100, repaid as $342 over a 14-day term. That is an APR of 365%.
Borrow responsibly
Use a payday loan for short-term needs only. Ontario gives you a right to cancel by the end of the second business day at no cost and without giving a reason, prohibits rollovers and extensions, bars us from advancing another payday loan until seven days after this one is repaid in full, and requires an extended payment plan on a third loan within 63 days.
For ongoing shortfalls, consider a line of credit, a non-profit credit counsellor, or 211 Ontario.
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 now — up to $1,500 by e-Transfer once you are approved
An instant application from anywhere in Mississauga, a decision as soon as you finish, and funds sent by Interac e-Transfer.