Payday Loans in Windsor
Up to $1,500 by Interac e-Transfer, online — built around plant schedules, not store hours.
Windsor's economy runs on shift work — the auto plants, the tool-and-die shops, and the cross-border jobs in Detroit. When hours fluctuate or a layoff stretches the budget, an unexpected expense cannot always wait for the next cheque. INSTANT.CREDIT lets Windsorites borrow up to $1,500 online and receive it by Interac e-Transfer once you are approved, with no trip to a storefront.
From Walkerville to South Windsor, Tecumseh and LaSalle, apply from your phone instantly and get a decision as soon as you finish.
How it works
- 1
Apply online, instantly
A secure bank link, and no documents to drop off.
- 2
Get a decision as soon as you finish
Income-based, so all credit is welcome.
- 3
Funds by e-Transfer once you are approved
24/7, whatever your shift pattern.
What a Windsor payday loan costs
We charge 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 Windsorites choose INSTANT.CREDIT
- 100% online — no store visit needed.
- 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.
Borrowing in Windsor
Windsor's economy is built around the auto sector, and income swings with production schedules, retooling shutdowns and shift changes at the assembly and parts plants. Many residents also work across the border in Detroit on variable hours. Cash-flow gaps are real when pay is cyclical, whatever the size of the paycheque.
A short-term online loan can cover a necessary expense between cheques, and because INSTANT.CREDIT funds by Interac e-Transfer 24 hours a day, it fits a plant schedule better than a nine-to-five storefront. One thing to note: our licence is an Ontario payday lender licence, so we lend to Ontario residents — including those who commute to Michigan for work.
Serving every part of Windsor
- Walkerville
- South Windsor
- Riverside
- Tecumseh
- LaSalle
Windsor payday loan FAQs
What people in Windsor ask us most.
Approved applicants are paid by Interac e-Transfer, once you are approved and your agreement is signed, day or night.
No. Everything is handled online, from application to funding.
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, which covers Windsor.
Yes. We lend to people with steady, verifiable income, including variable shift work.
Yes, if you are an Ontario resident with a Canadian bank account and steady, verifiable income. Our licence is an Ontario payday lender licence, so we lend in Ontario only.
$42 at $14 per $100, repaid as $342 over a 14-day term. That is an APR of 365%.
Borrow responsibly
Payday loans are 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, bans 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 budget strain, 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, no store visit
An instant application on your phone, a decision as soon as you finish, and funds by Interac e-Transfer wherever you are in Windsor and Essex County.