Bad Credit Loans in Ontario
Bad credit loans for Ontario residents in as little as 30 minutes.
Minutes to Apply - Bad Credit Loan
When you have bad credit, it may seem like 'no' is all you hear. We offer loans for bad credit because we know your credit doesn't speak for you, and sometimes you need a little extra before you get paid. We charge a small transparent fee - you'll always know what you'll owe before getting the loan.
Apply In Minutes
Fill in a one-pager - that's all it takes. We don't complicate the process, get money when you need it most.
Instant Approval
Our quick approval for loans with bad credit is shocking to most, but that's how our system is built. We got you covered.
Account Deposit
A quick email money transfer straight into your bank account for quick access to your loan.
Repay on Payday
When your check comes in is usually when your bad credit loan is due. We charge $14 for every $100, up to $1500 loans.
What They’re Saying
About Us
Bad credit, good credit - our clients appreciate our quick and easy process. No need to call or visit an in-store location. There's a reason we've received 4.7 rating on Trustpilot, we make bad credit loans accessible!
Your Privacy is Important to Us
Your trust is important to us. When you share your details with Credit Club, we never share, rent, or distribute your personal and financial information. Our privacy policy covers our commitment to our clients.
About Our Ontario Bad Credit Loans
We've put together a loan calculator that helps you know exactly what you'll owe once your bad credit loan is due. We charge $14 on every $100 borrowed, whether you have good or bad credit in Ontario. Your credit score won't make a difference to how you're treated at Credit Club!
No Credit Checks
Too many institutions watch credit scores and use them to determine both fees and whether you can even get a loan. Not only does this drag out the loan process, but it also puts those with 'less than' credit in a bad position. That is, when you can't get a loan because you have bad credit and can't increase your credit score because you can't get a bad credit loan!
With a steady income, a checking account, phone number, and email - you can get a loan with bad credit at Credit Club! We offer up to $1500 to Ontarians with a small fee when they need it most.
Limited Amounts
Requirements
We make it simple. Just four requirements and you can apply to get a bad credit loan - a steady income, checking account under your name, a working phone number, and an email. If you check off those four boxes, apply for your loan up to $1500.
Why Choose Credit Club
Over 3000 Canadians trust our easy and accessible process. Ontarians are paying more for groceries and other necessities than ever before - our quick approval of bad credit loans can help.
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Licensed Lender
Fully licensed to operate in Ontario - you can trust that we follow all government guidelines. Our aim is to bring loans for bad credit to Ontarians province-wide, and make the process as easy and quick as possible.
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Transparent Fee Structure
We're changing the loan industry by insisting on transparency and helpfulness. We know everything is more expensive these days and with problems like shrinkflation, Ontarians are feeling the crunch. Our standard fees for bad credit loans is $14 on every $100 loaned - no hidden fees, no gimmicks. Our non-payment fee is low, too -Click here to learn more.
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Minimal Requirements for Bad Credit Loans
Four simple requirements, and a credit check isn't one of them. Here's all you need to apply for bad credit loans with Credit Club:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
You may receive your loan via email money transfer in as little as 30 minutes into your checking account.
Calculate Your Bad Credit Loan
Select your province and bad credit loan amount - our calculator will show you exactly what will be owed.
- $100
- $200
- $300
- $400
- $500
- $600
- $700
- $800
- $900
- $1000
- $1100
- $1200
- $1300
- $1400
- $1500
Frequently Asked Questions
Can I borrow money with a 500 credit score?
We don't do credit checks. It drags out the bad credit loan process and discriminates against those who may have had some bad luck in the past. We only ask four simple requirements. As long as you have a steady job income, a checking account in your name, an email, and a phone number, you're eligible to apply for up to $1500 with Credit Club.
What's the easiest loan to get with poor credit?
Credit Club only needs you to meet four simple requirements to apply for a bad credit loan:
• Have a steady income from an employer
• Provide a checking account in your name
• Share an active phone number where we can reach you
• Provide your email address
If you meet these requirements you can get bad credit loans in Ontario for up to $1500. Our fees are $14 for every $100 borrowed and we have no hidden fees. Repay us once your employment check comes in, and you can take another loan out by the next business day if needed. Calculate what you'll owe with our handy loan calculator.
How long does it take to get a loan with bad credit in Ontario?
We make it super easy and simple. You can get a bad credit loan in Ontario with Credit Club in as little as 30 minutes. Ontarians are feeling the cash crunch and sometimes you need cash right now. Simply fill out our one page form if you meet our four requirements. Have recurring income, a checking account in your name, a phone number, and an email? Then, you can apply with Credit Club. Our instant approval process is changing the industry, see what our clients are saying on TrustPilot where we've earned a rating of 4.7 stars!
I have a medical emergency and need cash right away, but I have bad credit.
You can receive a bad credit loan from Credit Club in as little as 30 minutes. We don't check your credit, and our requirements are minimal. We'll charge a $14 fee for every $100 loaned up to $1500. Repayment is usually expected on your next paycheck or 14 days after the initial loan is sent out. Your loan is sent via email money transfer to simplify the process even further.
Do I need a co-borrower or co-signer to get a bad credit loan?
No - we don't check your credit. We're pioneering a new way to give out loans, and that's with a quick and easy process that doesn't include credit checks. Simply meet our 4 requirements (steady income, checking account in your name, phone number, email), and you can receive your bad credit loan in Ontario in as little as 30 minutes! Our fee is $14 on every $100 loaned and there's no hidden fees. If you miss the repayment, we charge $20, not including any NSF fees from your bank. Continued non-payment is charged an annualized interest rate of 30% - for more details, click here.
Lender licence
Ontario 4726568
British Columbia 64068
Nova Scotia 222985929
Fast - Simple - Secure
At Credit Club we are dedicated to providing you with a solution to meet your immediate money needs right from the privacy of your home.
As a licensed and responsible lender, we encourage you to review our sample borrowing costs below.
