Compare licensed Canadian payday lenders, see your full cost upfront, and get funds by Interac e-Transfer in as little as 2 minutes. Every lender below is verified against provincial regulator registries — so you know who you're borrowing from.
Each one verified against provincial regulator registries. Pick your province to see who's licensed where you live.
There are real situations where a payday loan is the smartest, fastest, lowest-friction solution available. Here are the three most common.
$425 repair · need car for Monday shift
$280 owed by Friday · reconnect fee is $130 + $50 deposit
$1,200 rent · paycheck arrives in 4 days · NSF cheque triggers $45 + landlord late fee $75
Pick your province, set the amount, choose your repayment date. Borrowing only costs $14 per $100 in Ontario — no compounding, no surprises.
Same-day payday loans, by province — funding times, licensed lenders, caps, and cooling-off rules. Click your card to see who's lending today.
Provincial rules favour longer-term loans with lower APRs. Same fast cash, different mechanism — and often cheaper.
Six product advantages other lenders can't match — speed, access, transparency, and rewards that scale with you.
Online lenders deliver via Interac e-Transfer in minutes. Banks take 1-3 business days. When the cash needs to land now, this is the only product built for it.
Approved on income, not your credit file. EI, ODSP, CPP, OAS, employment, self-employment, child tax benefit — all treated equally. Discharged from bankruptcy? Still approved.
You see your full cost before you sign. A fixed fee per $100 borrowed — no compounding, no hidden charges. The number on the contract is the number you pay back. Fee is $14 in most provinces.
Apply Sunday at 3 AM and have funds before the workweek starts. Online lenders never close. iCash and GoDay fund evenings, weekends, and statutory holidays.
Unsecured against your future paycheck. Unlike pawn shops or auto title loans, your car and possessions aren't at risk if repayment slips. Just income proof and a bank account.
Repay on time and unlock larger amounts, faster approval, and cashback rewards. Customers commonly scale from a $300 first loan to a $1,500 limit within a few successful cycles.
All lenders we feature are provincially licensed. Here's how to spot the imposters elsewhere on the internet.