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Payday Loans in Ottawa, Ontario

Ottawa is the capital of Canada and it is a part of the Ontario province. It has a population of approximately 930,000 residents, which makes it the 4th largest city in Canada. The city takes its name from the Ottawa River and it is the home of the professional National Hockey League team, the Ottawa Senators. Additionally, many large and prestigious corporations have regional headquarters in Ottawa, including 3M, Adobe Systems, Hewlett-Packard, and IBM.

Ottawa has a workforce of approximately 500,000 people and almost 50% of them are employed in areas such as sales, business, financial, and the public sector. As the capital, Ottawa is the home of many government institutions that employ a substantial number of people and the median household income in the city is approximately $85,000, which makes Ottawa the 6th richer city in Canada, based on this metric.

Nevertheless, living in a big city such as Ottawa takes a toll on your personal finances. Yes, you earn more, but expenses are also higher. With almost 90% of the population relying on their paycheques to get by, you may be facing a cash shortage when you are in that long in-between period, waiting for the next check to arrive.


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

Whether you scored last-minute seats to a Senators game or need a little bit of extra cash to cover your monthly bills, getting a payday loan in Ottawa is a great way to keep your financial trains running on time.

But what can you use a payday loan in Ottawa for? The better question is this: what could you do with $1,500? Unlike a car loan or a home equity loan, there are no restrictions on how you use your money with payday loans. You can use your loan to pay anything—and all without exhaustive paperwork, strict requirements, or long wait times. Payday loans in Ottawa are extremely versatile, and can be used for:

  • Buying groceries or other household items
  • Repaying a loan to a friend or a family member
  • Catching up on monthly utilities, like your electric, internet, or water bill
  • Replacing a broken washer or dryer
  • Covering the cost of an urgent home repair
  • 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

Payday loans also have long-term benefits, too. You can use a payday loan to start establishing a positive borrowing history and boost your credit scores—even if you don’t have a high credit score to start with. Because My Canada Payday doesn’t have strict credit score requirements, you won’t be turned down just because your credit score isn’t perfect. After all, credit scores are constantly evolving—and in order to improve, you have to be able to start borrowing somewhere!

This is exactly why payday lenders in Ottawa are often a much better option than traditional lenders. Not only do you get the benefit of fewer requirements, but you also get the flexibility to spend the money from your loan exactly how—and where—you need to spend it most.


How to Apply for a Payday Loan in Ottawa

Applying for a payday loan in Ottawa is simple, straightforward, and quick when you partner with My Canada Payday. We’ve designed our process to be as user-friendly and as accessible as possible, making it easier than ever to get the funds that you need! Here’s how our process works:

1. Apply online

We’ve created a 100 percent online process from start to finish, so you’ll never have to waste time standing in line or talking to a loan officer. Even better, it only takes 15–30 minutes to fill out our application! Start filling out your application when your favorite binge-worthy show comes on, and you can be done by the time the credits roll.

2. Get approved

Most traditional lenders come with a drawn-out approval process, meaning you might be waiting a week (or more!) to know if you’ve been approved. With My Canada Payday, you won’t be left hanging: our quick approval process is designed to give you an answer on the same day that you apply. Many of our borrowers even get approval in 30 minutes or less (which is perfect for those times that you need to pay a last-minute cheque).

3. Get your loan

Once you’re approved, your loan will be disbursed through a secure EFT bank transfer. If this is your first time borrowing with My Canada Payday, you’ll see your funds in your bank account by the next business day. If you’re a recurring borrower, it’s even quicker—you could be able to use your loan within minutes of approval!

4. Make payments

Paying off your loan is just as seamless as getting it. We’ll set up an automatic draft through secure EFT transfer to make it as easy as possible to stay on track with your loan payments. And because payday loans in Ottawa should also be flexible, we’ll work with you to make sure your loan payment schedule matches your financial needs.

Simple, right? We couldn’t agree more! Payday loans in Ottawa shouldn’t be stressful, time-consuming, or complicated—especially when you need cash as soon as possible. Skip the hassle, the long lines, and the waiting game with payday loans from My Canada Payday.


Qualifications to Apply for Your Payday Loan in Ottawa

Applying for loans from traditional lenders in Ottawa (like banks or credit unions) can be challenging. Before you apply, you’ll have to meet a set of strict requirements on income, debt, credit score, and in some cases, borrowing history. If you are just starting to build credit—or if you don’t have a high-enough income—it can be nearly impossible for a first-time borrower to get a traditional loan.

This is where loans from My Canada Payday shine! The requirements for our loans are designed to keep borrowing easy, efficient, and accessible. Wondering if you’re eligible for a payday loan in Ottawa? Ask yourself these simple questions:

Am I at least 18 years of age?

This one is short and sweet: as long as you are at least 18 years old, you are eligible for a payday loan with My Canada Payday! If you’re not quite old enough yet, keep our website bookmarked—we’ll be happy to review your application once you turn 18.

Can I show proof of my banking history?

During the application process, we’ll ask you to show proof of your banking history. Have you maintained a checking account with the same bank for at least six months? All payday loan applicants must have at least 180 days of banking history. (And if you’re worried about security, rest assured that your personal data will always be safe—the My Canada Payday application allows applicants to securely transmit screenshots from their online banking.)

Do I have a regular paycheque from an Ottawa employer?

If you’re living in Ottawa and working in the local area—and are getting paid by direct deposit or cheque—then you are all set to send your loan application to My Canada Payday! Most of our applicants will need to submit screenshots of their deposits to show proof of regular income. In other cases, we may ask you to send additional documentation, like a utility bill or a voided cheque.

Qualifying for a loan shouldn’t mean jumping through one hoop after the next. That’s why we’ve made it easy for people to get payday loans in Ottawa, without all of the hassle and frustration of dealing with a bank! We make it easy to access the funds that you need, exactly when you need them.


Our application form can be completed in only a few minutes:

  • The application consists of a single-page form. No lengthy paperwork required.
  • You don’t have to fax us any documents.
  • You can do it from the comfort of your home or office.
  • Our staff of professionals is standing by to review and approve payday loans 24 hours a day, 7 days of the week.


Why Choose My Canada Payday for Your Payday Loans in Ottawa?

My Canada Payday is one of the best payday lenders across the country, and for good reason. From our streamlined application process to our industry-leading customer service team, there are plenty of great reasons to choose My Canada Payday for your payday loans in Ottawa. Here are our three favorite reasons why our customers keep coming back to us for their payday loans:

1. We’re the fastest way to get the money you need

Let’s face it: if you have bills that are due, or an emergency expense that needs to be handled right away, you don’t have time to sit and wait for loan approval. Our payday loans have incredibly quick approval and disbursement times, even for first-time borrowers. Fill out your application on Thursday, and you could have up to $1,500 in your bank account by Friday—it couldn’t be simpler!

2. We have flexible eligibility requirements

It’s tough out there trying to get a loan with little or no credit, and even worse if you don’t have a solid borrowing history. My Canada Payday is much more flexible—we won’t deny your application just because you don’t have a high-enough credit score or don’t fit into a certain income bracket. All you need is to be at least 18 years of age; have a regular payment schedule from a job in Ottawa; six months of banking history; and 30 minutes to spare to fill out an application.

3. We provide a totally online process from start to finish

With My Canada Payday, you can avoid the extra hassle of getting in line at the bank, sitting down to talk with a loan officer, or filling out piles of paperwork. You don’t even have to get off the couch to apply for payday loans in Ottawa—from the application to fund disbursement, every step is available online! Apply anytime, from anywhere that is convenient to you (and if that means you’re applying from your living room in your favorite pair of sweats, we support it).


Number One Lender in Ottawa for Online Payday Loans

Our customers rate our payday loans as “Excellent”.

We have more than 700 positive reviews on TrustPilot that speak louder than any sales pitch. Our happy clients are our most valuable asset.

Competitive Interest Rates

For Ottawa residents, we charge $15 for each $100 loaned. This means that you’ll end up paying $45 for a payday loan of $300 with a credit term of 14 days.

No Hidden Fees.

Our goal is to provide the fastest, easiest, and most reliable payday loans and charging you hidden fees or surprise fees will not help us in achieving that. Our contracts are explicit and straightforward so you understand exactly how much you will pay.

Bad Debt Is Ok

You don't need perfect credit to get a loan with us.


Licensing Information

Ontario Payday Loan License #4721539

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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 also offer payday loans in Gatineau, Vanier, Clarence-Rockland, Chelsea, Stittsville, Kemptville, Embrun, and Russell.

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.