Quick Approval Payday Loans in Toronto & Across Canada

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!

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.

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 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.

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!

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

To qualify for a payday loan in Toronto, 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.

Toronto residents can turn to Loan Express for their no credit check loans.

Why not use your child tax benefit to get a loan? Loan Express will help you with the process, and it's easy as pie. All you need to do is fill out an online application form, and we'll take care of everything else!

Loan Express is committed to offering everyone the opportunity for a loan, no matter their credit score. Whether you have a good or bad history, you're welcome to apply for a loan. As long as you can provide proof of income on direct deposit, we won't turn you away.

Have you been looking for a quick way to get some cash? Loan Express can help with their fast and convenient loans. If eligible for your first loan, we will send an Interac E-transfer right away!

With Loan Express, we offer a fast and easy way to get the cash you need. Apply for your loan using our online application that takes less than 5 minutes from start to finish. Once approved, 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.

Currently, the maximum amount you can receive from Loan Express in Toronto is $1,500.

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).