Payday Loans Ontario

In-Store and Online Payday Loans up to $1,500

Do you need fast cash for an emergency or unexpected bill? Cash Money is your Canada loan solution. Cash Money offers in-store and online loans in cities such as Toronto, Ottawa, Mississauga, Brampton and more! Get a cash advance wherever you are – we are here.

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Payday Loans Near Me

Find a Cash Money location near you.

Why Choose a Payday Loan?

At Cash Money you choose how you would like to apply for a payday loan. With options to apply in a store, online, or over the phone, we’re here for you when you need us. As a preferred payday lender in Canada since 1992, we strive to offer the best payday loan experience and get the cash Canada residents need to make their financial ends meet.

Simple, Fast &
Secure Application

Apply to get the cash you need – up to $1,500 – by completing a loan application online, over the phone or in a Cash Money store. Once your application has been submitted, we will provide you with an immediate lending decision showing if you are approved for an instant payday loan and how much you’re approved to borrow.

Get Cash Within
Minutes

You can receive your cash in 10 minutes or less if you’ve been approved for a payday loan! All of our stores have cash on hand, so every loan can be paid in cash. When applying for online loans, applicants can choose how they want to receive their funds.

Multiple Repayment
Options

On your next pay day, pay back the amount you borrowed plus fees and choose how you want to repay your loan - in cash, by debit or you can also leave us with a post-dated personal cheque.

How Do Ontario Payday Loans Work?

Here at Cash Money, we make the payday loan process clear and simple. We are committed to responsible and transparent lending and provide payday loans Canada residents can clearly understand and trust.

1 Apply

2 Get a Lending Decision

3 Choose Your Loan Amount

4 Sign Your Loan Documents

5 Get Your Cash

6 Repay Your Loan

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$300 for $20*

Express Approval

Cash in 10 Minutes or Less

*Valid on first Cash Money payday loan only; based on approval. This offer is NOT available in Alberta, Manitoba, New Brunswick or Saskatchewan.

Actual customer testimonials

Frequently Asked Payday Loan Questions

Q. What do I need to have to be able to apply for a payday loan?

To qualify for in-store or online payday loans Ontario applicants must meet the following requirements:

Be 18 years old or older
Valid photo ID
Open and active bank account
Steady source of income
Working phone number

Q. How do I know Cash Money is a secure lender?

Cash Money maintains licences in every province in which we lend. We are a CCFA (Canadian Consumer Finance Association) member and abide by all payday loan best practices.

Q. If I borrow an online payday loan, can I repay my payday loan in a store?

Yes! If you take out a payday loan online you can pay off your online payday loan in a Cash Money store with cash, debit or post-dated personal cheque.

Do You Have More Payday Loan Questions?

Select a topic to learn more.

Loan availability and loan amounts vary by location.

Payday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements. Promotional rates not available in Alberta, Manitoba, New Brunswick or Saskatchewan. British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 15% of the principal. We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total payback amount of $345 and an APR of 391.07%. $300 for $20 promotional rate - Under this offer, on a $300 loan for 14 days, the cost of borrowing is $20, with a total payback amount of $320 and an APR of 173.81%. Regular fees apply on subsequent loans and the cost of borrowing at Cash Money in British Columbia is $15 per $100 borrowed. BC Licence #50066. Manitoba Residents: In Manitoba, the maximum allowable charge for a payday loan is 17% of the principal amount of the loan. We charge $17 per each $100 loaned. On a $300 loan for 12 days, the cost of borrowing is $51, the total that must be prepaid is $351 and an APR of 517.08%. To learn more about your rights as a payday loan borrower, contact the Consumers' Protection Office at 945-3800, (800) 782-0067 or at http://www.gov.mb.ca/cca/cpo/. Nova Scotia Residents: The cost of borrowing is $22.00 per $100 on a $300 loan for 14 days (573.57% APR). $300 for $20 promotional rate - Under this offer, the cost of borrowing is $6.67 per $100 on a $300 loan for 14 days (173.81% APR). Ontario Residents: The maximum allowable cost of borrowing per $100 borrowed in Ontario is $15. Our cost per $100 borrowed is $15. On a $500 loan for 14 days, the cost of borrowing is $75, with a total repayment amount of $575 and an APR of 394.07%. $300 for $20 promotional rate - Under this offer, on a $500 loan for 14 days, the cost of borrowing per $100 would be $6.67 on the first $300 borrowed, and then $15 per $100 on the additional $200 borrowed, with a total cost of borrowing of $50, and an APR of 260.71%. Saskatchewan Residents: The maximum allowable cost of borrowing under payday loan agreements in Saskatchewan is $17 per $100 borrowed. We charge $17 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $51, with a total payback amount of $351 and an APR of 443.21%.

Online Installment Loans/Lines of Credit: Loan minimum of $500 to a maximum of $10,000, based on a completed application, net pay and other qualification requirements, and customer verification including a credit check. Installment loan terms are from 6 months to 60 months and are based on the amount lent. Store Installment Loans/Lines of Credit: Loan minimum of $100 to a maximum of $10,000, based on a completed application, net pay and other qualification requirements, and customer verification including a credit check. Installment loan terms are from 6 months to 60 months and are based on the amount lent. Payments are due on scheduled income deposits. Cash Money offers short term personal loans and is not a credit repair service. Annual Interest Rate 46.93%

Lending decisions and funding times subject to system limitations. Opt+ instant funding is only available for existing Opt+ cardholders (sold separately), and is not available to payday loan borrowers in British Columbia.

Loan Protection: Must be 18 years of age or older, and under 70 years of age to be eligible. Policy sold and administered by Premium Services Group Inc. Underwritten by Canadian Premier Life Insurance Company.

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Opt+: This card is issued by PACE Savings and Credit Union Limited pursuant to license by Mastercard International. Use of this card is governed by the agreement under which it is issued. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Free load and unloads at Cash Money locations only.

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