Payday loans
- Payday loans Canada (home)Online and e-Transfer payday loans across Canada
- Online payday loansApply from your phone in about five minutes, with every cost shown before you sign.
- E-Transfer payday loansFunds sent by Interac e-Transfer, often within hours of signing your agreement.
- No credit check payday loansApproval based on income and banking, not your credit score.
- Faxless payday loansNo fax, no printing. ID by phone photo and income verified digitally.
- Instant payday loansDecisions in minutes and same-day funding in many cases.
- No refusal payday loansWhy no lender can guarantee approval, and how to improve your chances.
Company
- About Options CreditWho we are, how we work with provincially licensed lenders, how we make money, and the standards behind every payday loan offer on Options Credit.
- How it worksHow online payday loans work in Canada: apply in five minutes, verify digitally, review your offer, and get funds by e-Transfer
- FAQsAnswers to common questions about payday loans in Canada: eligibility, credit checks, the $14 per $100 cost cap, e-Transfer funding, repayment, cancellation and privacy.
- Contact usContact Options Credit by email, phone or online form for help with payday loan applications, questions about our service, privacy requests or complaints.
- Financial educationFree guides to understanding payday loan costs and APR, planning repayment, avoiding the debt cycle, finding cheaper alternatives, spotting loan scams and knowing your rights in Canada.
- SitemapEvery page on Options Credit: payday loan types, company information, legal policies and province-by-province payday loan guides.
Legal and provinces
- All provincesPayday loans in Ontario, Alberta, British Columbia, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, PEI and Newfoundland: costs, rules and regulators in each province.
- Responsible lendingOur responsible lending commitments, your rights as a payday loan borrower in Canada, a checklist before you borrow, and where to get free help if you're struggling with debt.
- Privacy policyHow Options Credit collects, uses, shares and protects your personal information under Canada's PIPEDA, and how to access, correct or withdraw consent for your data.
- Terms and conditionsThe terms and conditions for using optionscredit.ca, including our role as a connector to licensed lenders, eligibility, consent, limitations of liability and governing law.
- Payday loans Ontario
- Payday loans Alberta
- Payday loans British Columbia
- Payday loans Saskatchewan
- Payday loans Manitoba
- Payday loans Nova Scotia
- Payday loans New Brunswick
- Payday loans Prince Edward Island
- Payday loans Newfoundland and Labrador
- Payday loans in Quebec
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