Payday loan guides for Ontario
Plain-English answers on costs, your rights, applying and getting paid. Read one in under five minutes.
- Costs & rights
How payday loans work in Ontario: costs and your rights
The $14 per $100 cap, the 2-day cooling-off period, no rollovers and what lenders can’t do.
Read guide - Applying
What you need to apply (and how bank verification works)
A quick checklist for Ontario applicants, plus what IBV means and why there’s no paystub upload.
Read guide - Smart borrowing
Payday loan alternatives and borrowing responsibly
Cheaper options to check first, how the costs compare, and a checklist to keep a loan from snowballing.
Read guide - Funding
How e-Transfer funding and repayment work
From approval to money in your account within 1 hour, plus early repayment, fees and cancellation.
Read guide
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These guides are general information, not financial or legal advice. Loansville Inc. is a licensed Ontario payday lender (#4741249). Payday loans are high-cost credit.