Payday Loans Toronto

Quick, easy payday loans in Toronto. No credit checks, no hidden fees.

No Credit Check

Standard Low Fees

One-Page Form Fill

Minutes to Apply - Payday Loans Approval

Toronto - we get it! Cost of living is skyrocketing and our salaries are not rising with them. More Torontonians are having trouble making ends meet and sometimes need a hand in between paychecks. Our team moves quickly when you're in a bind - fast approvals, no credit checks, and low fees help you make it to payday comfortably.

1

Apply In Minutes

An online form that's quick and easy to fill. You'll need basic, payroll, and bank details - just one page and click submit!

2

Instant Approval

Our team moves fast - get approved for online payday loans in as little as 30 minutes! We understand your urgency.

3

Account Deposit

We use Email Money Transfer to get your payday loan out to you fast - no physical in store visits required.

4

Repay on Payday

On your next payday, or 14 days after the loan was issued, we'll withdraw the loan and a small transparent fee.

Trusted by Toronto

We're proud to offer payday loans in Toronto that they trust and appreciate. Toronto residents appreciate our simple process and the loan accessibility we bring to the city. Here's what they have to say about Credit Club:

Why Choose Credit Club

The loan industry has needed a change - and we're here for it! We're bringing humanity back into loans with low transparent fees, no credit checks, and ease of access. High payday loan fees don't solve the problem you're having - they just put a pause on an even bigger stress down the line. Here's how we avoid that:

24/7 Service

24/7 SERVICE

Access our secure loans any day of the week.

30 Minutes

30 MINUTES

Get approval in as little as 30 minutes!

Direct Debit

DIRECT DEBIT

Sent to your checking account upon approval.

Compassion

COMPASSION

We care and it shows, low fees, high approval rates.

Licensed

LICENSED

All federal and provincial guidelines are met.

Transparent

TRANSPARENT

No hidden fees, no gimmicks - ever!

What You'll Need for a Toronto Payday Loan

All you need to apply for a payday loan in Toronto with Credit Club is: a checking account in your name, proof of recurring income, a phone number, and email address. That's it! After filling out our one page online form, you can get your payday loan approval in as little as 30 minutes. We charge $14 on every $100 loaned, up to $1500 - no more and no less. We don't do hidden fees!

Our Mission

At Credit Club, we aim to help Torontonians make ends meet in the short term. Pay off an unexpected bill, fulfill surprise obligations - whatever it is. Typically, payday loans come with big expectations. That comes in the form of bloated fees that translate into stress waiting for you in upcoming weeks. We refuse to be a part of that and have introduced super low fees you can comfortably pay off once payday rolls around.

Calculate Your Loan Fee

Choose Ontario and your loan amount to know exactly what you'll owe come payday!

Loan amount
  • $100
  • $200
  • $300
  • $400
  • $500
  • $600
$14. 00
$114.00

Frequently Asked Questions

Can I get a loan with Credit Club if I live in Toronto?

Absolutely. Credit Club Loans proudly serves residents with fast, easy, and secure online payday loans in Toronto. Whether you're in downtown Toronto, Scarborough, Etobicoke, or North York—we've got you covered.

How fast can I get a payday loan in Toronto?

With Credit Club, you can get online payday loans in toronto in as little as 30 minutes. All you'll need is proof of recurring income, a checking account in your name, a phone number, and email address! No credit check is required and we only charge $14 for every $100 loaned.

Do you have a physical Toronto location?

We offer instant payday loans in toronto 100% online—so you don't need to visit a physical office. Toronto residents can apply for a payday loan, get approved, and receive funds all from the comfort of their home.

What types of loans are available to Toronto residents?

Credit Club offers short-term Toronto payday loans designed to help cover urgent needs like bills, repairs, or emergency expenses. We offer limited advances between $100 to $1500 depending on eligibility requirements. No credit check is required, and you'll only pay $14 for every $100 you borrow.

What can I expect if I miss my payday loan repayment?

If payday rolls around and our withdrawal is unsuccessful, we'll add a $20 charge to your loan, not including any NSFs from your bank. We understand circumstances can happen, so we'll give you a call to work out a repayment plan. If the payday loan is still not fulfilled, there's an annualized interest rate of 30% from the loan repayment date up to and including once payment is made. Click here for further details..

Apply for a loan now
Secure website
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.

NEED HELP?
Email us now and our agents will take care of you.

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Online Payday Loans Across Canada

Credit Club is proud to offer loans online to the residents of Ontario and British Columbia. Citizens of Toronto or Ottawa can apply online from the comfort of their home and receive the funds usually the same business day. Canadians from Vancouver and Victoria know they can be approved even if they have less-than-perfect credit. Citizens of Hamilton and Mississauga can apply online in minutes and get instant approval.

Understanding our loan fees

Ontario and British Columbia : We charge $14 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $42 and the payback amount $342.

Nova Scotia : We charge $14 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $42 and the payback amount $342.

Annual Percentage Rate Disclosure

Ontario and British Columbia : Annual Percentage Rate (APR) varies from 90% to 365%. The minimum and maximum for repayment period is 62 days. For further details on APR, please refer to the FAQs and Pricing.

Nova Scotia : 365%.

Implications of non payment

Financial Implications - If a pre-authorized withdrawal is returned to Credit Club for any reason, including but not limited to "NSF" or "account frozen," it will be considered as a non-payment. In these cases you might be charged an NSF fee. You may also incur an overdraft charge from your bank. In addition, an annualized interest rate of 30% will accrue from the loan repayment date up to and including the eventual repayment date.

Collection Activity - We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail or email. Our collection agencies recover monies owed to us in a professional manner and in keeping with all lawful collections practices.

Impact on Your Credit Score - If you do not repay your loan to Credit Club, your credit score may be negatively affected.

Renewal of your Payday Loan ? Credit Club does not offer automatic renewals on its payday loans.

No unnecessary paperwork
Quick application process
No faxing required
Secure & Confidential
Need help ?
Email us now and our agents will take care of you.

Credit Club Address
15 Gamelin, Suite 401, Gatineau (Québec) Canada, J8Y 6N5

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