Payday Loans in Ontario

Get a cash advance quickly and easily.


From Laurelwood to Erbsville, Loan Express Provides Easy, Short-Term Loans Across Waterloo.

When you’re in a pinch financially, the last thing you want is added stress or built-up debt. Loan Express helps relieve any worry you may have by providing instant payday loans that are easy to pay off and put some extra cash in your wallet. 

Loan Express provides residents of Waterloo and the rest of Canada with easy, quick payday loans of up to $1,500.From Maple Hills to Westvale, our quick funds are available and can be transferred to your account via eTransfer within minutes after approval.

Complete our fast online application, available 24/7, and have the funds in your account immediately!

*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.

Waterloo Loans Are Easy, Safe and Secure

Waterloo’s leading online money lender, Loan Express, offers a simpler alternative to bank loans.

Our online loans are a convenient way to get the money you need instantly, and Loan Express has been providing this service across Waterloo and the rest of Canada for over 15 years. 

You can get up to $1,500 with a Loan Express payday loan in as little as 5 minutes by completing our short online application. You don’t need a credit check or guarantor, just a few minutes to complete the application! You will receive the money you need as soon as your application is approved. 

The Loan Express application process is one of the safest around, as we are direct lenders. This means your personal information stays just between you and us, as our website uses bank-level encryption to ensure that there are no unwanted visitors accessing it.

Our amazing support team is here to answer any questions you may have, 24/7, and continues to maintain our safe and secure processes.

Apply today for an easy, safe and instant loan.

Who Is Loan Express?

Loan Express was founded in 2005, making it clear that our mission is to provide easy loans to individuals in need of money quickly. Since our founding, we have offered secure and trustworthy loans to citizens all across Canada. We have quickly become one of the fastest growing instant lenders available.

Every day, we aim to help our customers work their way towards financial freedom, unlike other payday lenders who only care about getting money. You will always know exactly what you’re getting into when you borrow from Loan Express: we are completely transparent about charges you will receive and we always ensure you can pay the money back on time.

We offer quick approval, which means you spend less time going to the bank or filling out paperwork and more time getting your cash quickly and taking care of your financial situation!

If you need money fast, contact Loan Express!

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 access to easy payday loans across Canada. We offer loans in many Canadian cities, no matter how remote they may be!

Payday Loans Requirements in Waterloo

Loan Express payday loans are available across Waterloo. 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 Waterloo with Bad Credit?

Many Waterloo residents do not think they are eligible for a payday loan because their credit score is low or nonexistent. However, Loan Express approves the majority of applicants, even if their bad credit has prevented them from qualifying for traditional loans before.

Loan Express won’t judge you based on your credit history. When you apply, you can qualify for up to $1,500 no matter your financial history or credit score! Without the credit score barrier, we are a proud option for Waterloo residents with financial difficulties who don’t have other borrowing options.

As Waterloo’s #1 bad credit loan solution, we are here to make lending easy. Access the funds you need today!

How to Get Payday Loans in Waterloo

1. Apply Online

Getting a payday loan in Waterloo is easy with Loan Express. You can apply in minutes – just fill in your basic information and select the amount of your loan.

2. Receive your money

Once 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.

Waterloo Overview

Waterloo is a city in Ontario part of the Regional Municipality of Waterloo, and it boasts a population of 121,436 according to the 2021 Canadian Census. However, only around 61% of homes are owned in Waterloo. The average household income in Waterloo after taxes is around $82,000. The average cost of living in Waterloo is $1,892 per month, putting it in the top 21% of the most expensive cities in the world.

Quick Approval Payday Loans in Waterloo & Across Canada

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Fast Approval

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Need a Payday Loan in Waterloo? 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