Money help & resources
Free, trusted tools for budgeting, debt help, your credit and your rights in Ontario. No sign-ups from us, no strings.
- Government & non-profit sources
- All free to use
Payday loans in Ontario, in 3 lines
- The most a payday loan can cost is $14 per $100: $500 for 14 days costs $70 (365% APR).
- You have 2 business days to cancel, with no penalty. Rollover loans aren't allowed.
- Lenders must be licensed in Ontario. Loansville's licence is #4741249.
Know your rights
- Government of Ontario
Payday loan: your rights
Ontario's current rules: costs, cancelling, extended payment plans, what lenders can't do, and how to check a licence or file a complaint.
Visit ontario.ca - FCAC
Payday loans: costs and options
How payday loans work, cheaper options to try first, and what happens if you can't repay on time.
Visit canada.ca
Looking for the old Ontario payday loan poster? It's out of date, so we've taken it down. Ontario's current information is on Payday loan: your rights, and our Ontario payday loan guide sums it up. Want a copy from us? Email [email protected].
Budget & save
- FCAC
Budget Planner
Build a budget in 3 steps, save it online and download it as a spreadsheet.
Open the planner - FCAC
Making a budget
Needs vs. wants, tracking your spending, and starting a small emergency fund.
Visit canada.ca - Calculator
Savings calculator
See how small, regular deposits add up over time.
Open calculator - Calculator
Debt payoff calculator
List your debts and see which to pay off first, and how fast.
Open calculator
Get free debt help
- Non-profit
Find a credit counsellor
Credit Counselling Canada lists accredited, non-profit counsellors across Ontario, from Ottawa to Windsor.
Find one near you - Our guide
Payday loan alternatives
Cheaper options to check first, and a checklist to keep a loan from snowballing.
Read guide
Check & build your credit
- FCAC
Get your free credit report
How to get your report and score from Equifax and TransUnion, online, by mail or by phone.
Visit canada.ca - Equifax Canada
Free Equifax credit report
Request your free Equifax report online, by phone, by mail or in person.
Visit equifax.ca - TransUnion Canada
Free TransUnion report
Your free Consumer Disclosure. Ontario residents also see their score and score factors.
Visit transunion.ca - FCAC
Improving your credit score
Pay on time, keep balances low and limit new applications.
Visit canada.ca
Our guides
- 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
Quick answers
Can I get my credit report for free in Canada?
Yes. Equifax and TransUnion both give you your credit report for free, online, by mail or by phone. Checking your own report won't affect your credit score.
Where can I get free help with debt in Ontario?
Accredited non-profit credit counsellors offer confidential advice. Credit Counselling Canada lists member agencies across Ontario.
What's the most a payday loan can cost in Ontario?
$14 per $100 borrowed. For example, $500 for 14 days costs $70, which is a 365% APR.
Where is the Ontario payday loan poster?
The old poster is out of date. Ontario's current payday loan information is on the Government of Ontario's Payday loan: your rights page.
Links checked October 2026. Outside sites are run by others and open in a new tab; Loansville doesn't control their content and isn't paid for these links. General information, not financial advice.
Loansville Inc. · Licensed Ontario payday lender #4741249 · Online payday loans for Ontario residents only. Cost of borrowing $14 per $100 borrowed; example: $500 for 14 days costs $70 (365% APR), $570 total. Payday loans are high-cost credit.