Quick Approval Payday Loans in Oshawa & Across Canada

From Lakeview to Donavan, Loan Express provides easy, short-term loans across Oshawa.

If you’ve ever been struck with a surprise bill, you know how difficult it can be to get your finances in order. Whether it be an untimely car repair or a costly appliance replacement, we all have to contend with irritating expenses.

Loan Express has created a quick and seamless online process that ensures you receive your money exactly when you need it. Our 5-minute loans of up to $1,500 put your finances back on track and can be transferred to your account right away.

Instead of spending time booking a bank appointment and filing paperwork, our online application is available 24/7. Whether you are waiting in line at the grocery store or having a late-night meal with friends, you can apply any place, any time.

Complete our fast online application and solve your money headache today!

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.

Apply 24/7 online

Apply 24/7 online

Fast and Easy Approval Process

Fast and Easy Approval Process

Many options to receive money

Many options to receive money

Trusted and Secure since 2006

Trusted and Secure since 2006

Speak with real people

Speak with real people

Receive Cash across Canada

Receive Cash across Canada

Oshawa Loans Are Easy, Safe and Secure

Are you searching for a simpler alternative to bank loans? Look no further than Loan Express, the leading smart online lender in Oshawa for over 15 years.

Borrow up to $1,500 in 5 minutes by completing our short online application. You’ll receive an instant decision, and, if approved, the funds will be sent to you immediately, so that you can take care of your finances right away.

Unlike other companies, we are a direct lender, which means your personal information stays between you and us. There are no third-parties, and our bank-level encryption ensures your personal information is kept confidential.

To answer all of your questions, we have an outstanding customer support team. Apply today for an easy, safe and instant loan.

Canada’s #1 Good or Bad Credit Loans Solution in Oshawa

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.

When it comes to smart online loans in Oshawa, we keep things simple. We service North Oshawa, Windfields, Donevan, Eastdale, O’Neil, Lakeview, and everywhere else in and around the city!

Unlike other lenders, Loan Express follows ethical and honourable standards that help to improve your financial situation. We only approve a loan amount that you’ll be able to repay, and we’re entirely transparent about the costs.

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

Why Choose Loans From Loan Express?

  • ✔ Fast and safe payday loans
  • ✔ Trusted lender for over 15 yearss
  • ✔ E-transfer within 5 minutes!s
  • ✔ Bad credit accepteds
  • ✔ Secure with bank-level encryptions
  • ✔ 24/7 online applicationss
  • ✔ Fast approvals
  • ✔ Licensed and certifieds
  • ✔ Fully trained staff to assist yous

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 Oshawa

Loan Express payday loans are available across Oshawa. 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 Oshawa With Bad Credit?

In Canada, credit scores range from 300 to 900. Generally speaking, if your credit score sits below 600, most banks and financial institutions will consider your credit score poor and subsequently reject loan applications.

Because of the difficulties in arranging a loan with bad credit, many Oshawa residents believe they are ineligible. However, at Loan Express, we approve all individuals who meet our realistic requirements, including those with bad credit history.

At Loan Express, we believe that a credit score isn’t a fair reflection of one’s ability to repay. For that reason, we look at the big picture and focus on other factors, such as a regular income.

We will never decline an application based on credit history, and there are no credit score requirements for you to meet. Our accessibility makes us a proud loan option for Oshawa residents in financial difficulties who have no other borrowing options available.

As the #1 bad credit loan solution in Oshawa, we are here to make lending easy. Access up to $1,500 today!

How to Get Payday Loans in Oshawa

1. Apply Online

Getting a payday loan in Oshawa 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.

Loan Express v.s. Traditional Payday Lenders

Loan Express
No hidden fees
High approval rate
E-Transfer within 5 mins
Loans 24 hours a day
Fully automated
Responsive call center staff
Trained staff to assist you

Oshawa Overview

Oshawa is a lakeside city found 60km east of Downtown Toronto. The city’s scenic location on the Lake Ontario shoreline matched with the high quality of life is sure to exceed your expectations.

Life in Oshawa can be compared to a peaceful part of Toronto, without the steep price tag. Oshawa’s real estate is roughly 60% less than that of its neighboring city, making it a popular destination for commuters.

Regardless of whether you like living in a rural location or in the heart of the city, Oshawa can accommodate both. In the north, the city’s rural areas are filled with nature parks and family-friendly suburbs and the downtown and lakeside areas are perfect for enjoying the hustle and bustle.

No matter which Oshawa neighbourhood you reside in, a strong sense of community is guaranteed everywhere in the city. The city is one of the most community-focused in all of Canada, with over 90% of residents claiming that they have someone in their closest neighbourhood who they can count on.

Events & Lifestyle in Oshawa

Nature is a part of everyday life in Oshawa; residents can escape city-life without even leaving. You see, Oshawa is home to around 130 parks, numerous trail networks and a shoreline, which is perfect for walks and bike rides!

There are many beautiful areas for nature lovers to explore, including McLaughlin Bay Wildlife Reserve, Darlington Provincial Park, and Second Marsh Wildlife Area. If you are not a park enthusiast, take in the scenery and perfect sandy beaches along the 11km stretch of waterfront.

When it comes to art and culture, Oshawa offers an abundance of year-round celebrations and recreational activities. The city has several galleries and public art displays, including the Robert McLaughlin Gallery, the largest art gallery in the Durham Region (36,000 square feet). Alongside art displays, Oshawa has plenty of museums and performing arts venues to keep residents entertained.

Events and festivals are year-round in Oshawa. The city continually hosts a variety of happenings for all of the family. The biggest of which is the Peony Festival, an award-winning festival that is consistently listed as one of Ontario’s top festivals.

For those who love to shop, Oshawa has plenty to offer. The Oshawa Center Mall recently underwent a $230m renovation, and the city is planning to open an even larger mall in north Oshawa in 2022.

Our smart online loans mean you can instantly claim up to $1,500 without having to book a bank appointment or travel to a major city. Whether you need to renew your Oshawa Generals season tickets or are planning a family getaway to Toronto, Loan Express can provide you with the extra funds.

Best Things About Living in Oshawa

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

  • ★ Neighbour-friendly and a strong sense of community
  • ★ New shopping mall coming in 2022
  • ★ Many walking trails and wildlife reserves
  • ★ One of the best places to retire in Canada
  • ★ Affordable housing
  • ★ Toronto is accessible by car, bus and train


How Do I Qualify for a Payday Loan in Oshawa

To qualify for a payday loan in Oshawa, Ontario, you must meet the following requirements:

  • ✔ You must be 18 years of age or older.
  • ✔ A Canadian citizen.
  • ✔ You must have a bank account open and used for at least 30 days.
  • ✔ You must have a regular income that is on Direct Deposit.

How to Get a Loan with No Credit Check in Oshawa?

Need a loan? We're your go-to company. With our easy application process and quick approval, you'll be able to get cash in no time!

How to Get a Child Tax Loan in Oshawa?

You can receive a child tax loan in Oshawa within minutes, thanks to our online application form available 24/7 365.

Can I Get a Loan Even If I Have Bad Credit in Oshawa?

No matter your credit history, we offer loans to those who need them. If you can prove that you have a source of income on direct deposit, apply for a loan with us!

Can You Borrow Money Online Instantly in Oshawa?

Loan Express has your back when it comes to getting the money you need. We can send you an Interac eTransfer so you can have cash flowing as soon as possible with a few clicks! Contact us today or apply online to see if you're eligible for this quick and easy service.

How Fast Can I Receive My Money?

Once approved for a loan, you will receive your eTransfer instantly. If you choose to email or fax your documents, it will take longer to receive your funds. This is an easy process but will take a few minutes longer to receive your direct deposit. For more information, visit our FAQ.

How Much Is the Maximum That I Can Loan in Oshawa?

The maximum amount you can receive from Loan Express in Oshawa is $1,500.

Where Can I Get a Same Day Payday Loan in Oshawa?

If you are eligible for an Interac E-transfer, you will receive your money in minutes. If you choose to receive a direct deposit, we transfer funds three times a day during regular business hours (see schedule below). The deposit may take longer if you are with a bank other than CIBC, TD, RBC, Scotiabank, BMO, or HSBC.

  • Loans approved before 11 AM will be deposited that day by 3:30 PM.
  • Loans approved between 11 AM and 3:45 PM will be deposited that day by 8 PM.
  • Loans approved after 3:45 PM or on weekends and holidays will be deposited by 3:30 PM the next business day.

* Note: all times are in Pacific Standard Time (PST).

Get your 5-minute loan in Oshawa today!

Whether you need cash in Oshawa or anywhere else in Canada, apply online 24/7 and receive notification of approval within minutes. Get your money quicker!