Quick Approval Payday Loans in Ottawa & Across Canada

From Kanata to Metcalfe, Loan Express provides easy, short-term loans across Ottawa.

Large and sudden expenses always seem to land on our doorstep when we least expect them.

Perhaps your car needs an immediate repair, or your furry friend needs a sudden trip to the vet. When untimely expenses catch us off-guard, there’s no time to waste - you need money, and you need it fast.

For an easy-access, smart online loan of up to $1,500 in Ottawa, trust Loan Express.

Our fast 5-minute loans can put money in your account in minutes and cure your money headaches. We understand that life doesn’t revolve around every second Friday; that’s why we are Ottawa’s go-to lender for quick cash - whatever the reason!

Complete our short online application 24/7, and have the funds in your account 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.

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

Ottawa Loans Are Easy, Safe and Secure

Loan Express proudly offers smart online loans that help you live life to the fullest, even when faced with out-of-the-blue expenses!

For over 15 years, we have provided Canadians with smart online loans and pride ourselves on making the experience easy, secure and safe. Whether you need to repair a broken tooth or require a much-needed getaway with your partner, Loan Express has offered funds for every scenario imaginable.

Unlike other lenders, when you apply for a loan with Loan Express, you work solely with us, from application to re-payment. There is no middle man, and your personal information stays only between you and us. Better yet, our bank-level encryption ensures your personal information is kept confidential.

Apply today for an easy, safe and instant loan.

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

Who is Loan Express?

Loan Express has been providing Canadians with reliable smart loans since 2005. Our fast approvals, quick applications, and low-interest rates have made us Canada’s top payday lender.

With each and every Canadian we serve, we are committed to being an ethical and honourable lender. We will never loan clients more money than they can repay and remain completely transparent about the costs. No hidden fees, no confusing terms, and no hassle.

Better still, we put the money in your account in just 5 minutes! We understand the sense of urgency you feel when a surprise expense arrives, and we have created a simple and fast process that helps you receive your money exactly when you need it. Spend less time filing paperwork and more time enjoying your money!

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 Ottawa

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

Finding a loan with a bad credit history in Ottawa can be a near-impossible task, but unlike banks and financial institutions, Loan Express doesn’t judge you based on your credit history.

To qualify for a smart loan of up to $1,500, all that we ask is that you meet the simple requirements listed above. As the #1 bad credit loan solution in Ottawa, we have helped thousands of residents access the funds they need, regardless of their credit history.

We will never decline your application based on your credit history and have no credit score requirement for you to meet. Instead, we prefer to look at other factors, such as a regular income.

If you are an Ottawa resident with a bad credit score, don’t be deterred. Apply for a quick loan today!

How to Get Payday Loans in Ottawa

1. Apply Online

Getting a payday loan in Ottawa 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

Ottawa Overview

As the capital city and centre of government, Ottawans live in the heart of Canadian politics. Politics is naturally what most people associate with Ottawa, but the city has evolved to much more than that.

Ottawa’s city population stands at close to one million, and the metropolitan area stretches to over 1,300,000 people. The way of life in Canadian’s capital is what draws most of its inhabitants - the city has the second-highest quality of living of any large city in the Americas, and 14th highest in the world.

With stunning nature, diverse culture, and healthy work/life balance, it’s no surprise Ottawa ranks highly. Whether you live in Centretown, The Glebe, Vanier, Westboro, or Kanata, high quality of life is a commodity.

If the high quality of life isn’t enough, Ottawans live in the third cleanest city in the world and have the best community in Canada. Of course, the standard of living is appealing, but the truth is, prices for almost everything are increasing. Enjoying this level of living certainly comes at a price.

When you need fast cash to cover unexpected bills and rising prices, there’s an alternative to bank loans: quick-approval loans from Loan Express. Borrow up to $1,500 to help cover the expensive lifestyle and surprise expenses today.

Events & Lifestyle in Ottawa

Ottawa residents have their pick when it comes to recreational activities. Best of all, there’s something for everyone. Immerse yourself in art and culture, attend year-round cultural and music festivals, or make your way through the city’s green spots.

Ottawa is blessed with a wide range of cultural activities and venues. In fact, there’s too many to list! Some of the most popular include the Canadian Museum of Nature, the National Gallery of Canada, and the Canadian Museum of History.

For outdoor adventurers, Ottawa is one of the world’s greenest cities. Surrounding the urban centre is a green belt of parklands and forests waiting to be explored with hundreds of trails and several beaches to laze on!

Even in blistering winters, the events and activities don’t stop! The Rideau Canal transforms into the world's largest skating rink, and concerts are held all across the city.

As Canada’s capital city, there is plenty for locals to do, but all of these activities aren’t made for those on a strict budget. Unfortunately, that doesn’t make them any less alluring! To help you enjoy all that Ottawa has to offer, Loan Express offers quick and easy payday loans.

Whether you’re renewing your Ottawa Senators season ticket or planning an opulent dinner with family in downtown Ottawa, our simple online application can be completed at any time, and the money can be in your account within minutes!

Best Things About Living in Ottawa

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

  • ★ Lots of outdoor space
  • ★ Job opportunities
  • ★ Low crime rate
  • ★ High quality of life
  • ★ One of the world’s cleanest cities
  • ★ Year-round events and festivals
  • ★ Recreational activities


How Do I Qualify for a Payday Loan in Ottawa

To qualify for a payday loan in Ottawa, 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 Ottawa?

Loan Express is here to help you get a loan without the need for credit checks. We do not conduct credit checks unless you ask us to!.

How to Get a Child Tax Loan in Ottawa?

The easiest way to get a child tax loan in Ottawa is by filling out our online application form and waiting for approval!

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

We know that not everyone has a perfect credit history. That's why we also offer loans for those who have bad credit. All applicants will need proof of income on direct deposit.

Can You Borrow Money Online Instantly in Ottawa?

Loan Express has your back when it comes to online applications for quick and easy loans! We send Interac eTransfer in just minutes so that you can have cash flowing as soon as possible.

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 Ottawa?

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

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

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 Ottawa today!

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