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Payday Loans in Oshawa, Ontario

Oshawa is an important city in the Golden Horseshoe region of Ontario and an important economic hub for the Greater Toronto Area with a population of almost 160,000 residents. The city is considered to be an important location for Canada's automotive industry being the headquarters of General Motors Canada and it has also evolved to become an attractive place for students and health professionals with institutions such as Durham College, University of Ontario Institute of Technology, and Lakeridge Health Education and Research Network (LHEARN) operating in the city. The city's workforce is comprised of approximately 80,000 people and the average household income is around $85,000.

What is your best option if there's no cash in your pocket and you are in Oshawa waiting till payday kicks in?

  • Consider getting cash from close friends
  • See if anyone can accept an IOU
  • Your employer could possibly offer you a salary advance
  • Ask your bank manager to request overdraft protection
  • Try writing a cheque dated in the future
  • My Canada Payday can resolve your problems. We can help with any temporary financial problems you might have. You'll never deal with a speedier payday lender any place


Qualifications For A Payday Loan in Oshawa

If you’ve ever been stuck in a financial bind and gotten denied for a loan, you know exactly how frustrating it can be not to have the funds you need. Why waste time going back to the bank or credit union when you can easily qualify for a payday loan? There’s a much more efficient option: payday loans.

Qualifying for a payday loan in Oshawa is easier than you think. You don’t have to have thousands of dollars in your checking account, a perfect credit score, or a flawless borrowing history. In fact, we welcome applicants who are still building their credit score—everyone has to start somewhere with their credit, right?

With My Canada Payday, all you need to do is meet four simple requirements. Here’s what you need to qualify for payday loans in Oshawa:

Requirement #1: Age

Are you at least 18 years old? If so, then you’re all set! You’ve met the minimum age requirement for a payday loan in Oshawa and are legally able to start your application.

Requirement #2: Banking

Because we will disburse your loan directly into your bank account, we require all payday loan applicants to have at least 180 days of banking history before submitting an application. To prove that you’ve had a checking account for six months, we may ask you to submit screenshots of your banking history. Don’t worry: we make it easy to provide supplemental documentation! Instead of emailing or faxing, you can use our secure My Canada Payday application to ensure that your personal information is transmitted safely.

Requirement #3: Residency

Before you can apply for a payday loan in Oshawa, you have to be an Oshawa resident. We may ask that you submit proof of address through a recent utility bill or a paystub. Of course, all applications are reviewed on an individual basis, so we may be able to verify your address without requiring that you send any additional documents.

Requirement #4: Employment

Finally, you have to have proof of steady employment in Oshawa in order to be considered for a payday loan. You can either receive your paycheques via direct deposit or cheque. We may ask for a recent paystub or a screenshot of your banking history in order to verify your employment—but as long as you have a regular pay schedule, you’ll be able to apply! Please note that we are not currently offering payday loans to applicants who are self-employed.


Get Up To $1,500 From One of Our Payday Loans in Oshawa

Not all payday lenders are created equal. If you have larger bills or a bigger emergency expense, choosing another payday lender in Oshawa might not get you all of the money that you need. My Canada Payday provides payday loans up to $1,500, covering a wide range of expenses like:

  • Buying groceries or other household items
  • Covering the cost of new furniture
  • Repaying a loan to a friend or a family member
  • Helping to pay for a move or a downpayment on a new place
  • Catching up on monthly utilities, like your electric, internet, or water bill
  • Replacing a broken washer or dryer
  • Paying for late fees on a forgotten line of credit
  • Covering the cost of an urgent home repair
  • Getting an updated business wardrobe for your new job
  • Adding some extra cash to your vacation spending fund
  • Replacing a broken phone or laptop
  • Paying for a new set of tires or brakes on your car
  • Consolidating a few smaller credit cards to minimize your debt
  • Getting a little extra cash to help pay your rent or mortgage

What if you want to spend some time exploring the city with your newly stuffed bank account? What can you do with your $1,500 payday loan in Oshawa? The possibilities are endless—but here are some of our top picks! You could use your payday loan to:

  • Visit the Canadian Automotive Museum
  • See a concert at the Tribute Communities Centre
  • Stroll through the Oshawa Valley Botanical Gardens
  • Go on a shopping spree at the Oshawa Centre
  • Take your family to the Oshawa Zoo (more than once!)
  • Spend an afternoon at the Robert McLaughlin Gallery
  • Dive into some history at the Parkwood National Historic Site

The great thing about payday loans in Oshawa is that there are no restrictions on what you can use your loan for. Unlike a loan that you might get from a bank or credit union—like an auto loan—payday loans are extremely flexible, so there are no limitations on what you use your My Canada Payday loan for. Get a new television, pay off your monthly bills, or replace that broken fridge—it’s completely up to you!


Why Choose My Canada Payday For Your Next Payday Loan in Oshawa

  • Money deposited by EMT
  • We possess a provincial license
  • Our employees are fast and respectful
  • Applications are protected and secure
  • We won't ask for any faxing
  • Fast cash in 30 minutes or less
  • Funds deposited by Interac gets there as fast as 30 minutes


Getting a payday loan in Oshawa is easy

  • You need not drive to a storefront to make an application
  • We will process the application form in minutes
  • Money deposited directly into your checking account
  • On the upcoming payday, the payment will be pulled from your bank account


Apply For A Payday Loan in Oshawa

Applying for a payday loan in Oshawa will help you fill the gaps between paychecks, ensuring that your bills are paid on time and in full. And because payday loans are the quickest way to get the funds you need, they are also great for those one-time, emergency expenses that pop up—like when your car suddenly breaks down or the refrigerator stops running.

Why apply for a payday loan in Oshawa with My Canada Payday? Take a look at the advantages of choosing My Canada Payday below!

  • Applications are super convenient
    We’ve created an application system that is 100 percent online, so you can apply for a loan seven days a week, whether it’s 2 PM or 2 AM. As long as you have a steady internet connection (and 15–30 minutes to spare), you can apply for a loan. Fill out your application while you are waiting in line at the grocery store, eating dinner, or relaxing on your couch during commercial breaks. With My Canada Payday, you don’t even have to change out of sweatpants to get a payday loan in Oshawa.

  • Approvals are faster than ever
    We all have busy, hectic lives—and when you need to pay bills or cover an emergency expense, none of us have time to sit around and wait for an approval. That’s why My Canada Payday has created a quick and seamless application review process, keeping you out of that gray area of wondering whether you’ve been approved. You’ll know if you’ve been approved on the same day that you apply, often within 30 minutes or less!

  • Secure (and speedy) EFT bank transfers
    Once you are approved for a payday loan in Oshawa, your loan will be deposited into your account through EFT bank transfer. This is the fastest and most secure way to get the money that you need. New borrowers can access their payday loan on the next business day, while returning borrowers can use their funds within minutes!

  • Automatic payments on your paycheque schedule
    By design, payday loans are meant to be repaid according to your paycheque schedule. Most payday loans in Oshawa are set up to be paid on your next paycheck—but if you want to wait until two paychecks from now, My Canada Payday can help! Get a hold of our customer support team if you think you might want to wait to repay your loan. We understand that everyone’s pay cheque and bill schedule is a little different, and we’re happy to stay flexible and work with our borrowers to create the best possible repayment schedule for their needs.
We also offer payday loans in Pickering, Whitby, Ajax, Whitchurch-Stouffville, Courtice, Bowmanville, Newcastle, Port Perry, and Utica.

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.