Quick Approval Payday Loans in Toronto & Across Canada

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.

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

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.

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

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.

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

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


How Do I Qualify for a Payday Loan in Toronto

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.

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

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

How to Get a Child Tax Loan in Toronto?

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!

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

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.

Can You Borrow Money Online Instantly in Toronto?

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!

How Fast Can I Receive My Money?

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.

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

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

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

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 Toronto today!

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