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Home » Recent posts » 5 Best Payday Loans in Ottawa to Lend Help During Tough Times

5 Best Payday Loans in Ottawa to Lend Help During Tough Times

payday-loans-in-ottawa
We extensively test and research all services we review. Here's why you can trust us.
  • Qualifications and Reputation - We looked at the company's credentials and credibility to ensure your loan comes from a reputable company. Do they stick to their policies? Are they licensed?
  • Policies - We selected providers with the most reasonable terms to make sure individuals of all budgets can take out a payday loan. Do they require a higher income for payday loans? Do they check credit scores?
  • Accessibility - We picked companies that provide quick approval processes, fast money transfers, and those with stellar communication skills to make the whole thing an easy process.
  • Loan Fees - We picked services that charge reasonable loan fees to avoid unnecessary amounts of penalties.

When life happens, it sometimes feels impossible to find a solution. In this economy, there are so many financial things we worry about, like this week’s groceries, mortgage payments, and kid’s allowances.

And it’s not like we can advance our salaries so we can finally sort out money issues. But these days, we don’t have to worry too much about that.

Payday loans are short-term solutions to these problems, where we can borrow money and pay it once our salary day comes around.

If you need to borrow money but have a bad credit score or want to avoid those really strict processes, we’ve got you covered. The best payday loans in Ottawa are here to streamline the process so you can get your money issues sorted out instantly!

1. Credit Club

credit-club

Services: Payday loans

Location: 116 Albert St #300

Contact: (819) 303-0879, [email protected]

Business Hours:

  • Monday – Thursday: 8:30 am – 4:30 pm
  • Friday: 8:30 am – 4 pm
  • Saturday: 10 am – 2:30 pm

Website

Google reviews score4.6/5
Trust Pilot reviews score4.7/5
Total reviews5/5
Score consistency5/5

Reputation5/5
Policies5/5
Accessibility4.5/5
Communication5/5
Process4/5
Loan Fees(A higher score means better value)5/5

Credit Club’s spotlight is their fast and stress-free process. We love that you can apply online, which will only take minutes, and get instant approval—and the fees are reasonable as well.

A plus for convenience is you get the payday loan straight to your bank account, where your payment will also be automatically debited. There’s no need for unnecessary paperwork and you can take out a loan again right after payment!

We also appreciate that they don’t do credit checks, which is a relief if you need help but don’t have a great credit score. Plus, you can cancel the loan within two business days without any additional fees!

On the downside, you can only loan up to $500 if you’re a new client. Only their Credit Club members can apply for loans up to $1,500, so you might want to build a good record with them in case you think you might need a larger amount in the future.

They also don’t do business on Sundays, but they have an automated online system on holidays and weekends, so that’s not a big problem!

Pros

  • Fast process; instant approval
  • Automatically debited to the bank account
  • Weekends have an automated system
  • No paperwork needed
  • Loans can be cancelled

Cons

  • No guarantee for instant approval on Sundays

Swift approval and e-transfer

“Very fast approval and e-transfer was sent instantly once I signed the contract. It must’ve been pre-generated by the system to send once I signed the contract, because I’ve never received an e-transfer so fast! Thanks Credit Club.”

-Melanie Hayden, Google Review

Easy to get a loan

“Very fast and affordable. There’s ample time to pay back and when you pay on time borrowing right away is so easy. You want some money quick thisbis your place. Ted”

-Ted Lacroix, Google Review

2. Cash 4 You

cash-4-you

Services: Payday loans, instalment loans, CreditBoost, Western Union services

Location: 1020 St. Laurent Blvd Unit 3

Contact: (613) 746-6446

Business Hours:

  • Monday – Friday: 10 am – 7 pm
  • Saturday: 9 am – 5 pm

Website

Google reviews score4.7/5
Trust Pilot reviews score4.7/5
Total reviews5/5
Score consistency4/5

Reputation4/5
Policies5/5
Accessibility3.5/5
Communication2/5
Process5/5
Loan Fees(A higher score means better value)5/5

One of our picks is Cash 4 You because they’re like a one-stop money solutions retailer. Since 2001, these guys have provided payday loans but also offer instalment loans and CreditBoost to give more options to Ottawans.

We appreciate the fast approval process, which takes a couple of minutes for e-transfer. You can also get approved in their office (they have 4 in Ottawa) and get your cash there.

When we inquired, we learned that you can take a payday loan of up to $1500 with a low cost of borrowing—convenient for urgent cash needs!

What’s annoying is the complaints we received about pushy staff when missed payments occur. Some clients also received calls months after they paid, asking if they wanted to loan again.

On a good note, you don’t have to earn much to get approved! Their policy only requires at least $250 per net pay, which makes them accessible to many Canadians.

Pros

  • One-stop money solutions service
  • Loans are available in e-transfer and cash
  • 4 Offices in Ottawa; late closing time
  • Requires low after-tax income

Cons

  • Some complaints about pushy staff
  • Reports of calls even after payment

Helpful staff at the office

“Cash 4U at StLaurent was very helpful Randa was extremely nice made me welcomed , greeted me by name when I walked in, told me she would be with me as soon as she’s done with the customer ahead of me, she is curtious friendly and very polite made me aware of options I had with loans, I’m greatful for Randa’s help recommend this place if you are stuck financially”

-maria fatima bettencourt, Google Review

Quick process

“Aithel was a pleasure to deal with, very professional, took the time to explain everything to make sure that I understood. The process was quick, I was in and out in no time. I would definitely recommend cash4you even if you’re just thinking about a loan, give Aithel a call 🙂 very satisfied overall!”

-Robberta Godin, Google Review

3. iCash

icash

Services: Instant loans, referral programs

Contact: [email protected]

Business Hours: 24/7

Website

Google reviews score4.5/5
Trust Pilot reviews score4.4/5
Total reviews5/5
Score consistency4/5

Reputation5/5
Policies5/5
Accessibility4.5/5
Communication4/5
Process5/5
Loan Fees(A higher score means better value)5/5

What we love about iCash is you can get a payday loan from anywhere in Canada. That’s because of their completely online services, so you can apply even when you’re out of town from their website or mobile app.

Their 24/7 availability also makes them super accessible to Canadians. Unfortunately, we received reports of slow customer support even when they claim to be open 24 hours a day.

On the bright side, you can get an instant automated approval and can borrow up to $1500. What’s cooler is you’ll receive your payday loan super quickly in just 2 minutes!

Repayments are also made convenient. When we inquired, we were pleasantly surprised that they accept up to 3 instalments.

To top it off, you can earn money on every fully repaid loan and get financial advice. iCash offers up to 20% cashback to their members (they’ve given up to $10.5 million in cashback!), which is pretty unique in this industry!

Pros

  • Available from anywhere in Canada
  • Loans are available on the website or app
  • Open 24/7
  • Accepts repayments up to 3 instalments
  • Offers up to 20% cashback

Cons

  • Reports of slow customer service

Easy process and easy to follow steps

“This is by far the best place to get loans without any judgment they hear you and understand your situation.  It’s set amounts but you can explain the dates that makes it possible for them to get the payments from you with no hassle. This has been so easy to get the money you need steps are so easy to follow and in 2 mins the money is in your account. If I could give 10 stars I would its just that amazing”

-Gina Fitzgerald, Google Review

Accommodating and flexible

“This company has been one of the best I have found when your in a real pinch and need extra funds to help you get by. Not only do they have an amazing extended pay back option ( from 1 to max 3 repay options), they have also been very understanding and flexible with me when I’ve needed to make small changes to my payment arrangements. I 100 percent recommend them for a loan when your in a tight situation.”

-Kaitlyn Basque, Google Review

4. Focus Financial Inc.

focus-financial-inc

Services: Payday loans

Location: 275 Slater St. #900

Contact: [email protected]

Business Hours: 24/7

Website

Google reviews score4.6/5
Trust Pilot reviews score4.6/5
Total reviews3/5
Score consistency4/5

Reputation5/5
Policies5/5
Accessibility4.5/5
Communication4/5
Process5/5
Loan Fees(A higher score means better value)5/5

Here’s the thing about Focus Financial Inc.: they’ve been helping Canadians with short-term loans for over 16 years! Being in the industry for so long tells us that they’ve helped a lot of clients!

They specialise in online payday loans, which are so easy to get. Basically, you just need to apply online via the website or mobile app.

We love how quick the application process is (it takes only 5 minutes) and there’s no need for credit checks. The approval process is the same, and you can receive the money transfer in 30 minutes!

Another thing we like is Ottawans with different kinds of income can apply for a payday loan because they don’t just accept employment income. If you’re on pension or private disability, you can get a loan as well.

The problem is even if they’re available 24/7, there were instances when clients received a response a few days late. Nonetheless, that’s not a usual problem we’ve seen!

Pros

  • Can apply on the website or app
  • Quick process
  • Accepts any kind of income
  • Available 24/7

Cons

  • Instances of late responses

Easy process from start to finish

“I just closed my first loan with Focus Financial, and I have to say I’m very pleased. The staff truly made it easy for me from start to finish and funded the loan without any issues, for this Focus Financial receives a 5 star rating.”

-Bonnie Lee, Google Review

Great customer service

“Focus continues to deliver a positive experience when it comes to online borrowing and reborrowing for your short term needs. The process is simple and quick. They also gave customer service staff to answer all your questions. Great service for those looking for help when life happens.”

-Tiqua Stapovic, Google Review

5. My Canada Payday

my-canada-payday

Services: Payday loans

Contact: (604) 630-4783

Business Hours: Monday – Friday: 8 am – 8 pm

Website

Trust Pilot reviews score4.4/5
Trust Analytica reviews score4/5
Total reviews3/5
Score consistency4/5

Reputation5/5
Policies5/5
Accessibility4.5/5
Communication4/5
Process5/5
Loan Fees(A higher score means better value)5/5

We love that My Canada Payday is licensed to operate in many provinces, including Ontario. What’s incredible is they don’t do credit checks, so anyone can apply for a loan.

These guys also streamline the lending process. You can do it completely online without the need to fax any paperwork and the 5-minute application process is handy for urgent needs.

On top of that, you’ll receive the money via e-transfer in just 5 minutes, even if it’s on a weekend. And it’s cool that you can borrow as low as $100.

However, there were some issues regarding customer service. The clients we surveyed sometimes had a tough time getting a hold of their staff.

During our research, we found out that their loan fees are within the usual range we see in Ottawa, which makes borrowing not a heavy burden.

What makes them a solid choice is they accept other kinds of scheduled income besides employment, making them super accessible!

Pros

  • Streamlined application process
  • Lends as low as $100
  • E-transfers are available on weekends
  • Accepts other kinds of income

Cons

  • Some issues reaching the staff

Fast and reliable

“After 4 months of applying for loans, this site and company, definitely deliver!

Great services, fast and reliable!

Always happy to apply again, thanks for your continously help!”

-G Cheech, Trustpilot Review

Trustworthy service and extremely kind

“My Canada Payday is the best place I’ve ever used when you need some extra cash! They are trustworthy, extremely kind but the process to get your money is quick and very easy. I highly recommend them!”

-Pamela, Trustpilot Review