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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!

My Canada Payday is rated 4.6 stars out of 10 by TrustPilot based on 764 reviews

Payday Loans in Kitchener, Ontario

Sitting approximately 100 km. from Toronto, Kitchener was actually named Berlin until 1916, when the city was renamed to honor Herbert Kitchener, the British Secretary of State for War who died in action. This commitment to celebrating history is still visible throughout the city today.

Kitchener, Ontario is well-known for their rich preservation and support of the region’s heritage and art, including museums, art galleries, artifacts, cemeteries, and self-guided tours. Now that My Canada Payday is available to all Kitchener residents, we are proud to join this vibrant community and to help Kitchener residents get the funds they need.

What Makes My Canada Payday Loans Different?

There might be other options for payday lenders in Kitchener, but we are confident that My Canada Payday will always be your best option. What makes us so confident that you’ll never use another payday lender again?

Well, our 5-star reviews might have something to do with it—but check out the list below for some additional reasons why our customers love using My Canada Payday time and time again: Local Commitment to Kitchener, Ontario

We are dedicated to helping our local communities thrive, and it shows in our hiring process. My Canada Payday is 100 percent Canadian-owned and operated, including our customer support staff.

Not only does this make it easier for you to ask questions about the lending process, but you’ll also have the comfort of knowing that our staff understands your unique struggles (like waiting for your car to warm up in those bitterly cold Kitchener winters).


How Kitchener Payday Loans Work

How Kitchener Payday Loans Work

Fill The Application

Only takes 5 minutes to fill out the application, 5 minutes to submit your banking.

Get Approved

Our automated scoring system approves your loan quickly.

Deposit the Money

We'll send the funds via Interac e-Transfer, so it's blindingly fast.


3 Reasons We Are the Best Online Payday Loans in Kitchener

Convenient Payday Loans Process

Who wants to leave their house, go to a storefront, and wait in line only to have to fill out tons of paperwork, and then find out that you're missing documents, just to have to drive back home to get them? Not us, that's for sure. We know time is money, so we built an application process for getting a payday loan online that only takes a few minutes to complete in its entirety.

Customer Support

Nobody likes spending time on the stressful process of applying for loans. We're all busy people, with deadlines to make and other stuff to get to. Our process is streamlined and efficient in ways that regular banks can never match. In addition to that, our customer service staff are friendly and eager to help you get your loan application completed successfully.

Great for First-Time Borrowers

If you haven’t taken out a loan before, a payday loan is a great starting point. First-time borrowers are more than welcome at My Canada Payday! We offer a simple application process, easy qualification requirements, instant transfers, and tons of customer support. My Canada Payday makes it easy for anyone to get the funds they need, regardless of lending experience.

Useful Links in Kitchener





The A-Z of Kitchener Payday Loans

Everything you ever wanted to know but were afraid to ask about Kitchener Payday Loans.

Q: How much can I borrow in Kitchener?

You can borrow up to 50% of your paycheque, although on the first loan chances are you'll only be able to borrow up to $500. As you build credit with our company you will progressively become eligible for larger and larger loans.

Q: Can I still qualify with bad credit?

That's not a problem, we are looking for things outside of standard credit factors. Of prime importance to us is the presence of regular, steady and predictable income, like a pension or employment income. Other income like ODSP and disability can also contribute to our assessment.

Q: What do I need to qualify for a payday loan in Kitchener?

The basic criteria are straightforward:

  • Steady income of some variety
  • Old enough to contract, so 19+
  • A bank account with online banking enabled

Q: What happens if I pay off my loan early?

There are no prepayment penalties, so you can pay off your loan as early as you like.

Q: How long does it take to get a payday loan in Kitchener?

Generally speaking, most applications only take about 5-10 minutes to complete, depending on how fast you type and how fast the banks are working. Once you've been approved, getting the funds is also only about 5 minutes, or even faster if you have automatic deposits enabled in your account.

Q: Where is My Canada Based?

We're based in Canada, with offices in Surrey, Barrie and Dartmouth. We're also 100% Canadian owned.

Licensing Information

Ontario Payday Loan License #4721539

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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.