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King City in Ontario Kingsville

Payday Loans in Kingston, Ontario

Kingston is a large city located in Eastern Ontario with a population of more than 120,000 residents. One of the city’s landmarks and frequently visited location is Fort Henry and the Kingston Fortifications, which are a part of the Rideau Canal Historic waterway.

The city’s economy is highly concentrated in government-related operations and public sector institutions that include Queen’s University and the Royal Military College of Canada, which accounts for almost 20% of the job positions available in the city. The city’s workforce is comprised of approximately 60,000 people and the median household income is around $67,000.

90% of Kingston’s residents are employed by an institution and this means that they rely on their paychecks to pay for their living expenses. At some point, we all experience a cash shortage in-between paycheques. Whether the reason for that is an emergency visit to the ER, an unexpected car repair or a large bill you weren’t prepared for, you can find yourself looking for funds in-between paycheques.

What people usually do when a situation like this knocks on their doors?

  • They take a side job, like driving an Uber.
  • They go to their friends or family to ask them for some money.
  • They take money out of their retirement accounts, with a penalty.
  • They apply for a line of credit at a traditional lending institution.

There’s another alternative to this and that is applying for an online payday loan on My Canada Payday.

The application process is the easiest and fastest in the industry and the best part is, it is 100% online. It will only take you a few minutes to fill a one-page online form and this could open the door to a same day payday loan of up to $1,500 that will be deposited directly into your bank account in only a few minutes after your application is approved.

Our payday loans are available for Kingston residents and you don’t have to wait in line to get yours. We understand you live a busy life and it is hard for you to make room to go to your local bank to ask for a regular loan. Additionally, if you have bad credit, we can work with you either way to help you in getting approved for one of our bad credit payday loans.

These are some of the most attractive features of our payday loans in Kingston

  • If you want, you can extend the credit term of your loan to a maximum of 62 days.
  • Our interest rates are very competitive.
  • We are available 24 hours a day, 7 days of the week.
  • You don’t have to visit a storefront.
  • No hidden fees. No prepayment penalties.
  • We are a licensed lender in Ontario.


How To Apply For A Payday Loan in Kingston

Think applying for a payday loan in Kingston is a long, complicated process? Think again! Getting a payday loan in Kingston is much easier than you might think. My Canada Payday makes the process simple and straightforward, ensuring that you can get the loan you need as quickly as possible. Here’s what you can expect from the process of getting a payday loan in Kingston:

1. Fill out our online application

Our payday loan application process starts online, meaning you can apply from wherever you want (and at whatever time you want). Don’t waste time standing in line or sitting down with a loan officer to explain why you need a loan. With My Canada Payday, all you need is 15–30 minutes of spare time and a steady internet connection, and you’ll be well on your way to getting a payday loan in Kingston!

2. Refresh your email inbox

While banks and credit unions typically take weeks to review and make a decision on a loan application, we’ll review your loan application as soon as you submit it. We know that our borrowers have urgent bills and emergency expenses to cover, so we’ve designed a fast approval and notification process every step of the way. Many of our borrowers are notified of whether they have been approved for a payday loan in 30 minutes or less!

3. Release your funds

Once you get your approval notification and your loan terms sent via email, you’ll be all set to review and sign. After loan terms are signed, all My Canada Payday loans in Kingston are dispersed through a secure Interac email transfer, ensuring that your funds are delivered as quickly and as efficiently as possible. First-time borrowers are typically able to access their loan within one business day; recurring borrowers often see their funds hit their bank account within minutes!

4. Repay your loan

Everyone has a hectic schedule, especially when it comes to paying bills. To ease the stress of remembering to repay your My Canada Payday loan, we’ll automatically deduct your repayment through secure EFT transfer. And if you need to adjust your repayment schedule or have a question about automatic withdrawals, get in touch with our customer support team! We’re flexible and always willing to work with our borrowers to ensure that their loans set them up for financial success—whether it’s today or 30 days from now.


Why Choose My Canada Payday For Your Payday Loans in Kingston

We don’t want to brag, but we have to say it: we are proud to be one of the top payday lenders in Canada! Canadians from one end of the country to the other love partnering with us for their payday loans—and many of our Kingston borrowers have used us multiple times and have referred us to their friends and family.

What makes My Canada Payday such a great business to work with for payday loans in Kingston? There are plenty of reasons to choose us, but here are some of our favorites:

Our applications are super easy

Filling out loan applications can be stressful—especially when it takes hours to finish and you have to submit tons of supplemental paperwork. At My Canada Payday, we’ve created an online application process that is as simple and as convenient as possible for our borrowers! It only takes 15–30 minutes to complete our application, and any supplemental docs can be uploaded directly to our secure application (no faxing required).

We’re 100 percent Canadian owned and operated

As a Canadian-owned and operated company, My Canada Payday is proud to be part of the local community. Our customer support team is located right here in Canada, which means you’ll never need to worry about getting rerouted to an office across the globe.

We have industry-leading customer service

When was the last time you had a really great experience with a customer support representative? If you’re like most consumers, it’s been a while. Get in touch with My Canada Payday to see the difference that a friendly, dedicated, and helpful support team can make! Our borrowers love knowing that they can reach out to our customer support team for expert advice and guidance every step of the way (in fact, it’s what our five-star reviewers applaud the most).

Our payday loans in Kingston are accessible

Banks and credit unions often get a bad rep when it comes to approving loans—and for good reason. It isn’t easy to meet their high requirements for annual incomes, debt-to-income ratios, or even credit scores. With My Canada Payday, qualifying for a payday loan in Kingston is simple. All we require is that our applicants are at least 18 years old; have a regular paycheque cycle; live and work in Kingston, and can show at least 180 days of banking history. Simple!

Our application process for payday loans in Kingston is:

  • Fast. As it consists of a one-page form and that’s it.
  • Reliable. Your information is safe with us, through our top-notch encryption system.
  • Easy. There’s no need to fax us any documents.
  • Online. Our application process is 100% online, no need to wait in line or visit a store.

Number One Lender in Kingston, Ontario for Payday Loans

Zero Paperwork

Applying for a payday loan online through My Canada Payday doesn’t involve faxing any documents or filling endless forms. We value your time and we designed an easy and fast application process with that in mind.

Cash on hand within minutes

After your payday loan is approved, we will send you the cash through our Interac e-Transfer platform in only a few minutes.

We are a licensed lender in Ontario

We hold a lending license in Ontario (#4721539) and we are a proud member of the Canadian Consumer Finance Association.





Q&A About Kingston Payday Loans

If you still have some questions about how our payday loans work for Kingston residents, here are some answers to the most Frequently Asked Questions (FAQ) made by our clients:

Q: Q: How much can I get from a payday loan if I am a Kingston resident?

We can approve payday loans of no more than 50% of your paycheque if you live in Kingston, up to a maximum amount of $1,500.

Q: Q: Do you work during the weekends?

Yes, we do. You can apply for a payday loan any day of the week at any hour, as we work 7 days a week and 24 hours a day. Our professional staff is always standing by to review and approve your application.

Q: Q: What if I have bad credit?

Perfect credit is not among our requirements to get approved for a payday loan. We can work with you if you have bad credit by extending you a bad credit loan that you wouldn’t be able to secure if you went to a traditional lender.

Q: Q: How much will I pay for my payday loan?

For Kingston, Ontario residents we charge $15 per each $100. This means that if you were approved for a $500 payday loan with a credit term of 14 days, your total amount owed would be $575.

Q: Q: Do you have a license to extend payday loans in Kingston?

Yes, we do. We have a lending license to operate in Ontario, Alberta, Nova Scotia, Saskatchewan, and Manitoba.

Q: Q: Can you explain the application process step by step?

Step 1: Fill out the application form.

  • Name
  • Address
  • Contact information (email, phone)
  • How much you want to borrow

Step 2: Submit your bank account information.

Step 3: You’ll get a digital contract on your e-mail inbox.

Step 4: Sign the contract and send it back to us.

Step 5: The money will be deposited on your account a few minutes after you are approved.

We also offer payday loans to residents living in places near Kingston, including:

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.