Payday Loans in Ontario

Get a cash advance quickly and easily.


From Mississauga to Pickering, Loan Express provides easy, short-term loans across Toronto.

Smart online loans in Toronto give you quick access to funds when you need it most. You need not make a face-to-face appointment or wait days to get approved; our instant loans are online and give you up to $1,500 right away.

Loan Express gives you the flexibility you need, with simple 5-minute loans across Toronto.

From Missasuaga to Pickering, our quick funds are available when you find yourself in a sticky situation, and can be transferred to your account within minutes.

We understand that unexpected expenses can pop up at any time, and when you live in one of the world’s most expensive cities, these expenses can seriously dent your monthly cash flow.

Whether you need to repair a leaking roof or watch the Raptors at the Scotiabank Arena, Loan Express can solve your money worries in no time!

Complete our short online application 7 days a week, 24 hours a day, and we’ll get back to you in minutes!

*Payday loans are loans for up to 62 days. The fee for a loan varies depending on rates set by your Province, and the term of the loan depends on your pay schedule and applicable Provincial laws. The Maximum APR on a 62-day loan would be 147.18%, but may be lower, depending on the Province you live in.

Toronto Loans Are Easy, Safe and Secure

Loan Express has been providing flexible smart loans across Canada for over 15 years. Our fast and simple loans help you live life to the fullest, free from any stress.

With Loan Express, you can borrow up to $1,500 in 5 minutes by completing our short application. You’ll receive an instant decision, and, if approved, you will be sent the funds immediately via e-transfer, so you can get your life back to normal.

Loan Express uses the latest encryption technology to ensure transactions are completely secure. We pride ourselves on protecting your data, and our bank-level encryption keeps your personal and financial information safe.

Alongside our easy and secure loan process, Loan Express has an outstanding customer support team available to answer all your questions.

Apply today for an easy, safe and instant loan.

Who is Loan Express?

Loan Express is a leading online lender serving most provinces in Canada, including Ontario. We have proudly offered reliable loans since 2005, and we are one of the fastest-growing and most popular instant lenders in Canada.

Unlike other lenders, Loan Express follows ethical and honourable standards that seek to improve your financial situation, rather than put you further into debt. When you apply for a loan, we will only approve you for an amount that you’ll be able to repay, and we’re entirely transparent about the costs you can expect.

No hidden fees, no confusing terms, and no hassle.

Instead of waiting days to process and receive your money, Loan Express can provide you with cash within 5 minutes! When surprise bills and expenses land on your doorstep, time is almost always of the essence. So why wait?

Why Choose Loans From Loan Express?

  • Fast and safe payday loans
  • Trusted lender for over 15 years
  • E-transfer within 5 minutes!
  • Bad credit accepted
  • Secure with bank-level encryption
  • 24/7 online applications
  • Fast approval
  • Licensed and certified
  • Fully trained staff to assist you

Instant Loans Across Canada

Loan Express provides fast and easy access to payday loans across Canada. We offer loans in most Canadian cities and every remote location, too!

Payday Loans Requirements in Toronto

Loan Express payday loans are available across Toronto. To apply, you must:

We closely follow all laws in the Canadian Provinces we lend in. Select your province to view important disclaimer information specific to your province.

Can I Get A Payday Loan in Toronto With Bad Credit?

If you are searching for an instant online loan, but fear your less-than-perfect credit score will hold you back, you’ll be pleased to hear that Loan Express won’t judge you based on your credit history, and you may still qualify for up to $1,500.

Finding a loan in Toronto with a bad credit history can be an impossible task, but unlike banks and financial institutions, we don’t get bogged down with credit history. We understand that credit score isn’t always a good indicator of one’s ability to repay, which is why we look at other factors, such as regular income.

As the #1 bad credit loan solution in Toronto, we proudly open our instant loans to thousands of Toronto residents with bad credit who suffer financial hardship. In fact, we will never decline an application based on credit history, and we have no credit score requirement for you to meet.

Whether you need funds for home or auto repair, appliance replacement, or to manage cash flow in between paychecks, Loan Express is here to help. Access the fund you need today!

How to Get Payday Loans in Toronto

1. Apply Online

Getting a payday loan in Toronto is easy with Loan Express. Using our online application, you can apply in minutes; simply fill in your basic information and select your loan amount.

2. Receive your money

As soon as you receive approval and sign your loan agreement, the money will be sent to you via e-transfer within five minutes. For bank transfers, loans approved before 11 am will be deposited the same day by 3:30 pm. Loans approved by 4 pm will be deposited the same day by 8:30 pm PST.

Toronto Overview

Toronto is the largest city in Canada, and the metropolitan area is one of the biggest in the world. Given the city’s substantial job opportunities, close proximity to the United States, and bohemian neighbourhoods, the city is a popular choice to reside in.

In fact, the Greater Toronto Area is home to over 6 million people, and by 2025, this is expected to increase to 7.7 million!

But, with great appeal comes great expense. Did you know that Toronto is the sixth-most expensive city in the world to live in?

To enjoy life in the big city, residents have to contend with steep price tags. Fortunately, the job market in Toronto is strong, but even with a steady income, the expensive housing, bills, and recreational activities can make emergency payments difficult.

Instant loans are a commodity in Toronto, helping residents cope with the expensive lifestyle and unexpected costs that arise.

Events & Lifestyle in Toronto

Although often wrongly mistaken as Canada’s capital, it’s easy to see where the confusion comes from. Toronto is a global juggernaut of culture, commerce, and entertainment, which certainly packs a punch for visitors and residents alike.

The multicultural metropolis ticks all the right boxes. Incredible food, nightlife, culture, outdoor activities, and entertainment come together to make this an otherworldly place to live where overindulgence is part and parcel of daily life – that’s what makes Toronto one of the most livable cities in the world.

From watching the city’s famous sporting teams (Toronto Raptors, Toronto Maple Leafs, Toronto Blue Jays) and climbing the CN Tower to getting outdoors on the Toronto Islands, there is so much for locals to do. But, immersing yourself in the city’s culture and activities certainly comes at a cost – even a single pint of beer can cost around $10.

Loan Express offers quick and easy payday loans so that you can fully enjoy the fine events, entertainment, and activities that the city stages.

The application is fast and can be completed at any time, so whether you’re on your way to a shopping spree at the Eaton Centre or going for an expensive meal in Old Town, fill in your details and have the money in your account within minutes!

Best Things About Living in Toronto

Toronto has plenty to offer, and there are many reasons why it’s the city of choice for many Canadian families, retirees, and young persons.

  • Job opportunities
  • Canada’s largest city
  • Diverse and multicultural
  • Good public transport network
  • Low crime rates
  • Shorter and less painful winters
  • Close proximity to other major cities
  • One of the cleanest North American cities
Quick Approval Payday Loans in Toronto & Across Canada

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Need a Payday Loan in Toronto? It's Easy!

  • Borrow up to $1500
  • Trusted and secure
  • High approval rate
  • Instant Etransfers

How Do Instant Loans Work

If you are considering an instant loan to solve your money troubles, it’s important to know what to expect. Unlike traditional bank loans, things are a lot more straightforward.
Instant loans are a convenient way to receive up to $1,500 exactly when you need it. For those who meet the requirements (listed above), the fast online application is open 24/7. Once you have received your approval – typically within ten minutes – you will be asked to sign a digital agreement and provide your email address so that the funds can be sent to you via e-Transfer. READ MORE
How long does
the process take?

At Loan Express, we pride ourselves on near-instant delivery of online payday loans. However, the exact length of the process depends on several factors. On The Odd Occasion, If The Automation doesn’t apply, We May Request Additional Screenshots Of Your Bank Statement and pre authorized debit form, But We Will Walk You Through That As Well.

How fast can I
receive my money?

Within one minute of signing your contract, the money will be in your bank account or your email. There is the odd smaller credit union or institution that does not have the technology to do instant etransfers, but we will still get the money to you the fastest way that your bank allows, which is usually a couple of hours.

Why Choose Loans From Loan Express?

Loan Express has proudly offered instant loans across Canada since 2005. Over 15 years of lending, we have helped thousands of Canadians get their finances back on track. When it comes to smart instant loans, Loan Express keeps things simple. Fill in your online application any place, any time, and you’ll receive an instant decision. READ MORE