Payday loans in Kingston
Licensed online payday loans for Kingston and area. Apply on your phone or computer, and get funds by Interac e-Transfer if approved.
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
Key facts for Kingston borrowers
- Serving Kingston and the surrounding area, including Amherstview and Gananoque, online. No store visit needed.
- Loan amounts: $100 to $1,500 (first-time borrowers up to $500).
- Cost: $14 per $100. Example: $500 for 14 days costs $70 (365% APR), $570 total.
- Funds by Interac e-Transfer, usually within 1 hour of approval.
- Apply 24/7. Most applications get an automated decision.
- Cancel within 2 business days without penalty. No rollovers.
Recently posted to Kingston?
Kingston has a large military community at CFB Kingston, as well as Queen's University, St. Lawrence College, hospitals and corrections facilities. People move in and out of the city often, and a move can bring costs that arrive before the next payday.
To borrow from Loansville you need to be an Ontario resident. If you've just been posted here from another province, you can apply once you live in Ontario.
Getting your e-Transfer in Kingston
e-Transfers work with all the major banks and with most credit unions in the Kingston area. If you've just moved, use the account your pay is deposited into, because that's the account we verify through online banking.
When funds are sent, you get an Interac e-Transfer notification by email or text. If you have Autodeposit turned on, the money goes straight into your account. If not, you accept it in your banking app.
Living costs in Kingston and when a payday loan makes sense
Kingston's rental market is tight, especially around the start of the school year when students arrive, and that can push up moving and deposit costs. A payday loan should cover a one-time gap, not ongoing rent. There are no rollovers in Ontario, so plan to repay in full on your due date.
How to apply from Kingston
- Apply online on our application page, any time of day.
- Verify your bank account by signing in to your online banking. In most cases, no paystubs are needed.
- Get a decision. Most applications get an automated decision. Some need a manual review, which can take longer.
- Get your money by Interac e-Transfer, usually within 1 hour of approval.
Who can apply
- You live in Ontario and are 18 or older, with valid photo ID.
- You have at least $2,500 a month in income, paid by direct deposit. Benefit income as your only income isn't accepted.
- You can sign in to your online banking so we can verify your bank account. KOHO accounts aren't accepted.
Meeting these requirements doesn't guarantee approval.
What it costs
Loansville charges $14 per $100 borrowed, the maximum allowed in Ontario. A $500 loan for 14 days costs $70, which is a 365% APR, so you repay $570. If a payment is returned unpaid, a $20 NSF fee applies. See what a payday loan costs in Ontario for the full breakdown.
Kingston payday loan questions
I was just posted to CFB Kingston. Can I apply?
Yes, if you now live in Ontario and meet the other requirements: 18 or older, valid photo ID, at least $2,500 a month in income and online banking. Approval isn't guaranteed.
Can I roll my loan over if I can't pay on time?
No. Rollovers aren't allowed in Ontario. If you're worried about your payment, email us before the due date.
Is there a Kingston office?
No. Loansville is online only.
Questions? Email [email protected] anytime, we respond 24/7. Also serving: Ottawa, Toronto, Barrie and all of Ontario.
Sources: Government of Ontario, Payday loan: your rights; Payday Loans Act, 2008. General information, not legal advice.