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Lender directory

Payday and online lenders serving Canadians

Search Canadian payday lenders by name, province or city, then filter by amount, funding speed, service type and licence status. Every listing shows the cost per $100, where the lender is licensed and when we last checked. Paid placements are labelled.

20 lenders listed. Not every Canadian lender appears here.

Cash 4 You

Licence numbers published

Cash 4 You is an Ontario-only lender with a store network offering payday loans and larger instalment loans.

Cost per $100
$14
Up to
$1,500
Funding
Cash in store
Serves
ON

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Cash 4 You.

Cash Money

Licence numbers published

Cash Money has offered payday loans in Canada since 1992, online and through a store network, alongside a line of credit.

Cost per $100
$14
Up to
$1,500
Funding
e-Transfer in about 15 minutes once approved, or cash in store (reported)
Serves
BC, MB, NL, NS, ON, SK

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Cash Money.

Cashco Financial

Licence numbers published

Cashco Financial is an Edmonton-based lender with branches across western Canada, offering payday loans and a longer-term Flex Loan.

Cost per $100
$14
Up to
$1,500
Funding
Same-day decisions in branch (reported)
Serves
AB, BC, SK

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Cashco Financial.

easyfinancial

Installment loan · 35% APR cap applies

easyfinancial, part of goeasy, offers instalment loans from $500 to $20,000 unsecured through about 400 branches and online in every province.

Rate
29.99% to 34.99%
Up to
$20,000
Funding
Decision reported within about 30 minutes
Serves
AB, BC, MB, NB, NL, NS, ON, PE, SK

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to easyfinancial.

Fairstone

Installment loan · 35% APR cap applies

Fairstone is a national instalment lender with more than 250 branches, offering unsecured loans up to $25,000 and larger secured loans for homeowners.

Rate
19.99% to 34.99%
Up to
$25,000
Funding
Typically the next business day
Serves
AB, BC, MB, NB, NL, NS, ON, PE, SK

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Fairstone.

Fig

Installment loan · 35% APR cap applies

Fig is an online personal-loan lender for borrowers with good credit, offering $2,000 to $35,000 at rates from 8.99% APR.

Rate
8.99% to 29.49%
Up to
$35,000
Funding
Two to three business days (reported)
Serves
AB, BC, MB, NB, NS, ON, PE, SK

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Fig.

Focus Cash Loans

Licence numbers published

Focus Cash Loans (Focus Financial) offers online payday loans in Alberta, British Columbia and Ontario.

Cost per $100
$14
Up to
$1,500
Funding
—
Serves
AB, BC, ON

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Focus Cash Loans.

GoDay

Licence numbers published

GoDay is a Toronto-based online payday lender licensed in eight provinces, from British Columbia to Prince Edward Island.

Cost per $100
$14
Up to
$1,500
Funding
e-Transfer in about an hour once approved (reported)
Serves
AB, BC, MB, NB, NS, ON, PE, SK

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to GoDay.

iCash

Licence numbers published

iCash is an online-only payday lender serving seven provinces, with applications and e-Transfer funding available around the clock.

Cost per $100
$14
Up to
$1,500
Funding
e-Transfer within minutes of approval, 24/7 (reported)
Serves
AB, BC, MB, NB, NS, ON, PE

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to iCash.

LendDirect

Line of credit · 35% APR cap applies

LendDirect offers an online personal line of credit of up to $15,000, with no fixed end date and interest charged only on what you draw.

Rate
Up to 34.99%
Up to
$15,000
Funding
e-Transfer shortly after approval (reported)
Serves
AB, BC, MB, NB, NL, NS, ON, SK

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to LendDirect.

Loan Express

Licence check pending

Loan Express is an online payday lender that has operated since the mid-2000s and serves eight provinces, including Newfoundland and Labrador.

Cost per $100
$14
Up to
$1,500
Funding
e-Transfer or bank transfer shortly after approval (reported)
Serves
AB, BC, MB, NB, NL, NS, ON, SK

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Loan Express.

Magical Credit

Licence check pending

Magical Credit is a Toronto-based online lender offering short-term cash loans in Ontario at $14 per $100.

Cost per $100
$14
Up to
$1,500
Funding
—
Serves
ON

“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Magical Credit.

Loan terms, rates, fees, approval and availability are set by each licensed lender and depend on your province. Payday-loan rules differ by province — always confirm a lender’s licence with your provincial regulator before you borrow. Some listings are paid placements; see our Affiliate Disclosure.

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