Fast payday loans in Ontario, sent by e-Transfer
Short on cash before payday? We've got you. Apply 24/7 from your phone.*
- No traditional credit check
- No prepayment penalty
- 100% online
Maximum Allowable Cost per $100 Borrowed: $14.00
Our cost per $100 borrowed: $14.00
Example: Your $500 loan for 14 days
Amount Advanced $500.00 · Total Cost of Borrowing $70.00 (365% APR) · Total You Repay $570.00
This poster is required under the Payday Loans Act, 2008
Loansville Inc. · Lender · Ontario payday lender licence #4741249 · Licence expires March 16, 2027 · Address on licence: 157 Bridge Street, Unit B, Carleton Place, ON K7C 2V6
- 24/7Apply anytime
- $100–$1,500Loan amounts
- 1 hre-Transfer after approval*
- $14Per $100 borrowed
Four steps. Zero paperwork.
No branch visit, no faxing, no paystub uploads.
- Anytime
Apply online
A few quick questions on any device, 24/7.
- Secure
Verify securely
Connect your online banking (IBV). No paystubs needed.
- Most: immediate
Get your decision
Most applications get an immediate automated decision. Approved? Sign online.
- Within 1 hour*
Get your money
Funds are sent by Interac e-Transfer within 1 hour of approval.*
Small family lender. Big on simple.
Licensed in Ontario and family owned.
No traditional credit check
We look at your income and banking history.
Automated decisions, 24/7
Most applications are decided right away.
e-Transfer within 1 hour
Once approved, money goes straight to your bank.*
Licensed and regulated
Ontario Payday Loans Act, 2008, licence #4741249.
No hidden fees
Your cost up front. No charge for paying early.
Family owned
A local business helping local families.
Hear it from our clients
Real reviews from Loansville clients on Google.
Clear pricing. No surprises.
$14 per $100 borrowed, the Ontario maximum. No prepayment penalty.
- $100Minimum loan
- $500Max for first-time borrowers
- $1,500Max for returning clients (up to 50% of net pay)
Representative example (Ontario)
| Amount advanced | $500.00 |
|---|---|
| Term | 14 days |
| Total cost of borrowing | $70.00 |
| Annual percentage rate (APR) | 365% |
| Total you repay | $570.00 |
Dishonoured payment fee: $20, charged once per agreement. Payday loans are high-cost credit; borrow only what you can repay on your next payday.
Family-owned. Ontario-licensed. Lending by the book.
A family-owned Ontario business
Loansville is a small family business that lends only to Ontario residents. We're not a national chain.
Licensed in Ontario
Payday lender licence #4741249 under Ontario's Payday Loans Act, 2008. Check our licence on Ontario's public licence search (opens in a new tab)
Your rights, in plain words
- Cost up front: $14 per $100. $500 for 14 days costs $70 (365% APR), $570 total.
- No rollovers: no new loan until your current one is paid in full.
- Change your mind? Cancel within 2 business days, with no penalty and no reason needed. You just return the money advanced.
“From experience, I can say that Loansville uses an ethical approach to lending and is truly there to help.”
“Family owned and run business! Really amazing people to deal with!”
Can I apply?
Four quick checks. Other conditions may apply.
- Ontario resident, 18+With valid photo ID
- $2,500+ monthly incomeFrom a full-time or part-time job, or a workplace/private pension
- Paid by direct depositInto a Canadian bank account
- Online bankingFor secure verification (IBV)
Have these ready
- Your online banking login
- Employer, job title and next pay date
- Your last pay amount and pay frequency
- Your address and contact details
Income: We accept employment income or a workplace/private retirement pension, paid by direct deposit, of at least $2,500 a month. CPP or OAS on their own, EI and ODSP don't qualify.
Heads up: KOHO accounts aren't supported yet. Online payday loans are for Ontario residents only.
Not in Ontario? See personal loan options from a third-party lender network.
Borrowed before? Welcome back.
Use the same application. The first question asks if you're a returning client. Up to 50% of your net pay, max $1,500.
How fast will I get my money?
Most applications get an immediate automated decision, and approved funds are sent by Interac e-Transfer within 1 hour of approval. Files sent for manual review can take longer.
Do you check my credit?
No, we don't perform a traditional credit check; approval is based on your income and banking history. Submitting an application does not guarantee approval.
How much can I borrow?
From $100 to $1,500. First-time borrowers can get up to $500, and returning clients up to 50% of net pay (max $1,500).
How much does a payday loan cost?
$14 per $100 borrowed, the Ontario maximum: a $500 loan for 14 days costs $70, or $570 in total (365% APR). A $20 fee applies once per agreement if a payment is returned unpaid. More in our Ontario payday loan guide.
Who can apply?
Ontario residents 18+ with photo ID, $2,500+ monthly income from employment or a workplace/private retirement pension, paid by direct deposit, and online banking. CPP or OAS on their own, EI and ODSP don't qualify. Other conditions may apply.
Do I need to upload paystubs?
Usually not. We verify your identity and income securely through your online banking (IBV).
Do you lend outside Ontario?
Not at this time. Our online payday loans are for Ontario residents only.
I've borrowed before. How do I get another loan?
Apply the same way at loansville.ca/apply. The first question asks whether you're a returning client.
Can I pay my loan back early?
Yes, with no prepayment penalty. You can repay by pre-authorized debit (PAD) or by Interac e-Transfer to [email protected].
Can I cancel my payday loan?
Yes, within two business days of signing, with no penalty and no reason needed. Rollover loans aren't allowed in Ontario.
Do you accept KOHO accounts?
Not yet. KOHO accounts don't provide the banking information our automated system needs.
Know before you borrow
Short, plain-English guides to payday loans in Ontario.
- Costs & rightsHow payday loans work in OntarioRead guide →
- ApplyingWhat you need to apply (and IBV explained)Read guide →
- Smart borrowingPayday loan alternatives & borrowing responsiblyRead guide →
- FundingHow e-Transfer funding and repayment workRead guide →
Borrowing from anywhere in Ontario? See payday loans in Ontario by city or what a payday loan costs in Ontario.
Ready when you are.
Apply 24/7. Most applications get an immediate decision.*
Submitting an application does not guarantee approval.Loansville Inc. · Licensed Ontario payday lender #4741249 · $14 per $100 borrowed · Ontario residents only · View licence
Licensing & disclosures
Payday lender licence
- Licensed under Ontario's Payday Loans Act, 2008, licence #4741249
- Loansville Inc., operating as Loansville
- Address on licence: 157 Bridge Street, Unit B, Carleton Place, ON K7C 2V6
- Issued March 16, 2026; expires March 16, 2027
- Not licensed or lending in other provinces
Cost of borrowing (Ontario)
Maximum allowable cost of borrowing: $14.00 per $100. Loansville's cost: $14.00 per $100.
Example: a $500.00 loan for 14 days costs $70.00 (365% APR); total payback $570.00.
Dishonoured payment fee: $20.00, charged once per loan agreement (Ontario maximum).
Borrow responsibly
Payday loans are expensive short-term credit for emergencies. You can cancel within two business days without penalty; rollovers aren't permitted in Ontario.
Ontario: your rights · FCAC: payday loans. Educational materials available on request.
Minimum income of $2,500 per month from employment or a workplace/private retirement pension (CPP or OAS on their own, EI and ODSP don't qualify); other conditions may apply. Online payday loans are originated only to Ontario residents. Submitting an application does not guarantee approval.
*Most applications are processed automatically 24/7 and the majority receive an immediate automated decision. Approved loans are sent by Interac e-Transfer within 1 hour of approval; files sent for manual review may take longer, depending on underwriter workload.
Loansville may refer applicants who don't qualify to partner lenders and may receive compensation for referrals. No traditional credit check; approval is based on income and banking history. Interac e-Transfer is a registered trademark of Interac Corp.