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You can get payday loans for up to $1500 in as little as 15 minutes! My Canada Payday is in the business of getting you your fast cash advance now!

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Payday Loans Hamilton, Ontario

Hamilton is a large city located in the Golden Horseshoe region of Ontario with a population of more than 500,000 residents. This is a highly industrialized city that is also known as the Steel City of Canada due to the fact that approximately 60% of the country's steel is produced in Hamilton. Some of the major employers in the city include FirstOntario Credit Union, Stryker Canada, and Horizon Utilities Corporation. Its largest economic activities are manufacturing, retail, educational services, and health care and the city is the home of more than 200,000 active workers. The average household income in Hamilton is approximately $90,000.

What exactly is the best option in Hamilton if there's no cash in the bank and you are not able to hold out til payday?

  • Attempt to borrow money from close friends
  • Your supervisor could offer you a payroll advance
  • Your visa or mastercard may possibly offer a cash advance loan
  • Apply for an overdraft with your regular bank
  • You can dip into your RRSP but there is a big tax fee
  • Forget about all that, as you can make a credit application online instantly a cash loan at My Canada Payday. You could qualify for cash if you're getting a paycheque. You can get your money transferred into your account right away.

Get Safe & Secure Payday Loans in Hamilton

Loan scams are a growing problem not just in Hamilton, but throughout Canada. In fact, fraudulent loans are the cause behind millions of dollars in losses annually. How do you spot a loan scam when looking for payday loans in Hamilton? Here are some red flags to watch out for:

Red Flag #1: Requests for upfront payment

If a lender asks you to pay money for the application or to make a deposit before you get your loan, run away; that’s a surefire sign of a loan scam.

My Canada Payday will never ask for money upfront, and we will never charge a fee simply for submitting an application. The only fees you will pay comes from interest, which will be clearly outlined for you in your borrowing agreement.

Red Flag #2: Guarantees of approval

Even though short-term loans don’t come with the same stringent requirements of traditional lenders, loan approvals should never be guaranteed.

We love being able to make loans accessible to Hamilton residents, especially when time is of the essence! But My Canada Payday loans are certainly not guaranteed – all applicants will still need to pass through our review and approval process before they are eligible for payday loans in Hamilton.

Red Flag #3: Lack of contact information

Every lender should have an easy way to contact them, whether through email, phone, or online chat. If you can’t get in touch with their customer support (or if they aren’t clearly advertising how to contact them), you’re better off looking elsewhere.

There are plenty of different ways to contact My Canada Payday! You can email us, call us, or send us a message directly through our contact form. And we always have someone available to answer your questions: our customer support team is available Monday through Friday, weekends, and holidays. We even have a physical location that you can visit in Barrie, Ontario (it’s a bit of a drive, but we’d love to see you!).

Red Flag #4: No accreditation in Hamilton, Ontario

The Canadian Consumer Finance Association requires all lenders to maintain a current license within each province or territory they provide business in. Having a current license to operate within Hamilton is an absolute must for any lender.

My Canada Payday is fully licensed throughout Ontario, British Columbia, Alberta, Nova Scotia, Saskatchewan, and Manitoba. Even better, we keep high transparency by publishing the renewal dates for each of our licenses right on our website – so you’ll never be left guessing on whether we’re staying up to date.

Payday loans in Hamilton through My Canada Payday are the real deal! Even better, we provide a safe and secure process for each and every borrower from application to disbursement to repayment. Any personal information you send is kept safe through our encrypted My Canada Payday application, and online loans are delivered through a secure EFT bank transfer. We are proud to provide borrowers with the quickest way to get the funds they need, all without sacrificing the safety and security of their personal information.

How to Apply for a Payday Loan in Hamilton

If you’re tight on cash and can’t afford to wait until your next paycheque, a payday loan in Hamilton is a great way to keep your finances running smoothly. We’ve created a payday lending structure that is designed to make the application process easy, efficient and accessible, cutting out all of the extra frustration that comes with applying through a bank or a credit union! Here’s a step-by-step overview of how to apply (and receive) your payday loan in Hamilton:

1. Head to and apply

Our application is available online, making it easy for you to apply whenever it’s convenient for you. You’ll never have to compile a stack of paperwork, stand in line, or make an appointment with a loan officer. Don’t worry if you’re tight on time: it only takes 15–30 minutes to fill out your application, so you can apply during your daily commute home or even during an early morning conference call.

Our customer support team is always available to help answer questions about the borrowing process – but with a streamlined application, borrowers can easily apply without ever having to leave their couch or even talk to another person (we see you, introverts)!

2. Check your inbox

Banks and credit unions love to take their time with the approval process. That means you could be waiting a week or more with a traditional lender – but not with My Canada Payday! We have a same-day approval process that will let you know within hours whether you have been approved. In fact, many of our borrowers get notification of approval within 30 minutes or less, making for an exceptionally speedy notification rate.

3. Keep an eye on your bank account

After you get your approval notice and sign your borrowing agreement, we’ll send your funds. All payday loans in Hamilton are dispersed through a secure Interac email transfer, which means they are immediately released to your bank account. Of course, that doesn’t always mean you can access your funds right away – the timing can differ from one bank to the next, but most of our borrowers can use their funds within one business day (or even within minutes after approval). Overall, returning borrowers will have quicker access to their payday loans.

4. Make payments

Part of smart financial management is making your payment deadlines – which is why repaying your payday loan should be just as simple as getting it. My Canada Payday creates an automatic draft (using the same secure EFT transfer process that we utilize to disperse loans) to make repayment easy. If you need to adjust your repayment schedule, give us a call! We’ll be happy to explore alternate options to ensure that you stay on track with your loan payments.

What We Review for Payday Loans in Hamilton

Compared to traditional loans, payday loans offer much more flexibility, quicker approval and disbursement, and less paperwork. Of course, as with any financial product, short-term loans still have rules and regulations to follow – which means you will still have to provide some information for us to review and approve.

The good news is that My Canada Payday keeps it simple from start to finish. Here’s what we’ll review during the application process for payday loan applications in Hamilton:

Your banking history

Have you been using a checking account for the past six months? If so, then you’re in the clear: you will need at least 180 days of banking history in order to submit an application with My Canada Payday. That means that we may request screenshots from your online banking application in order to show that you have consistent banking history. Any screenshots that you send will be processed through our My Canada Payday application to ensure that your personal information is safe and secure.

Your paycheque schedule

Are you getting paid on a regular schedule? As long as you are getting regular payments from your employer through direct deposit or cheque, you’ll be able to submit an application with My Canada Payday. Occasionally, first-time borrowers may need to submit a voided cheque or recent paystub to solidify their payment schedule – but any required documents can be sent through our secure My Canada Payday application (no faxing or emailing required).

Your employment and residency

This one is a no-brainer: all applicants for payday loans in Hamilton must live in Hamilton in order to qualify! The other piece to this is that you must also be working in the local area – so as long as your employer has a Hamilton address, you’ll be all set. (In some cases, we may ask that you send a recent utility bill or other proof of address in order to establish proof of residency.)
The application process has never been so easy!

  • We respect your energy and time so we try really hard to process your application in a hurry
  • Your bank account gets the cash directly.
  • Your payments are debited straight from your account.
  • The application process is probably the speediest online

Why Choose My Canada Payday for Your Payday Loans in Hamilton

My Canada Payday is one of the top payday lenders in the country. Not only do we provide a completely streamlined, online process, but we also have a firm commitment to cutting out the long wait times and paperwork overload that come with traditional lenders. Being tight on cash is stressful enough – getting a short-term loan should alleviate that stress, not add to it! Here are our top reasons to choose My Canada Payday for loans in Hamilton, Ontario:

  • It’s easy to apply
    Our application is available online, which means you can apply for a short-term loan any time (and from anywhere) you want. You could be relaxing on the couch at 3 AM or at lunch with friends at 1 PM – no matter where you are, our online application process is easy, straightforward, and accessible.

  • We have a quick review process
    Many traditional lenders have a long, drawn-out approval process. If you have bills that need to be paid tomorrow – or an emergency expense today – you can’t afford to wait weeks to see if you’ll be approved. Our approvals are granted in 30 minutes or less, eliminating all of the guesswork that comes with applying for a loan.

  • Your loan is sent directly to your account
    We use secure EFT bank transfers to disburse funds, ensuring that you can access your funds as soon as possible. While some banks might take a little longer than others, first-time borrowers typically see their funds hit their account by the next business day. Returning borrowers get access even quicker, with same-day availability!

  • Your payment schedule can flex to your needs
    All payday loans are designed to be paid on your next paycheque – but what if you need to wait until two paycheques from now to repay your loan? Reach out to My Canada Payday to adjust your payment schedule. We are always ready to help our borrowers succeed with flexible payment terms.

See What Customers Are Saying About My Canada Payday Loans Hamilton

Because we’ve created a simple, reliable and customer-friendly process, we’re great for first-time borrowers and seasoned pros alike. Take a look at what some of our customers are saying about My Canada Payday:

"I am a repeat customer. Their process is so streamlined, easy and fast. The funds were sent immediately after signing the contract. Excellent, extremely fast service!"

"This online service is very quick and efficient. [It’s] everything at your finger tips. If you ever need to reach out over the phone the customer service is pleasant. They are there to help with any questions and your needs. "

"You know what, these guys are so simple and easy to deal with, don’t charge an arm and a leg for interest and you usually have your money within a couple hours. Grateful for this company especially in trying times. "

"This company is amazing and easy to deal with. The entire process was done in no time. "

How Payday Loans Work

How Payday Loans Work


It only takes 5-10 minutes to get a Hamilton payday loan with us. First of all, fill in the application form. Select how much you want to borrow, then upload your bank statement.


We'll look at your loan application and approve or deny right away. You'll get a contract in your email with instructions on how to sign electronically.


You'll receive your funds by e-Transfer in Hamilton. Usually it will be sent within 5 minutes of signing the contract by automatic deposit or emailed notification to receive the e-transfer.

Why get your Payday Loans Hamilton with My Canada Payday

Bad Credit Loans Hamilton

If you have bad credit or no credit, don't fret. We offer loans in Hamilton to people with bad credit, because we are mostly concerned with your short term financial health. The best way for us to figure that out is to look at your income and make sure that you have steady income, either from a job or from a pension. If you have that, then you can likely qualify for a Hamilton payday loan.

No Credit OK

Our requirements for a Hamilton payday loan are simple, and they don't require that you have a credit history.

  • Be 19 or older
  • Live in Ontario
  • Have steady income of some kind
  • Make at least $1000/month.

Requiring a credit history doesn't make sense to us. How can someone have a credit history if they need a credit history to get credit in the first place? That's why we built our approval process to take into account factors other than a credit history, so we can help more borrowers than the traditional lenders.

Licensed in Ontario

We hold a provincial license to offer payday loans, so we also can offer payday loans in Brampton, as well as Ottawa, Kitchener and many other cities.

Instant Payday Loans Hamilton

Don't spend your time waiting around to hear back from a lender, we are always working on improving our approval times for our Hamilton payday loans. The application form we have is very short and can be usually completed in under 5 minutes. The last step where we get you to submit your banking information is also fast, ranging from 90 seconds to 5 minutes.

Questions about Payday Loans Hamilton That We Hear Often

See if your question is answered below. If not, hit the live chat button and talk to one of our friendly customer service staff.

Q: Can I get an online payday loan in Hamilton?

You can definitely get an online payday loan with My Canada Payday if you live in Hamilton. We actually offer payday loans all across Ontario, including in Toronto, Brampton, Ottawa and Kitchener.

We also offer payday loans in Mississauga, Oakville, Burlington, Milton, Halton Hills, Grimsby, Lincoln, Brantford, Brant, Georgetown, Haldimand, Acton, Hagersville, and Smithville.

Licensing Information

Ontario Payday Loan License #4721539


Terms and Conditions
Responsible Lending

Interest Rates

Payday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements.

Ontario Residents: We charge $15 per $100 borrowed. On a $500 loan for 14 days, the total cost of borrowing is $75, with a total amount owing of $375 and an APR of 391.07%.

We Lend Across Canada

We offer online payday loans across Canada. Below are the provinces we operate in, as well as some of the major cities we lend in.