Small loans in Ontario
Small loans Ontario-wide, from $25 to $350. Speedy Money matches working residents of Ontario with licensed lenders for fast, small amounts – funded by Interac e-Transfer.
Get my small loan ⚡How it works
- $25–$350
- All credit considered
- IBV — no credit-score impact
- e-Transfer funding
Small loans Ontario residents can actually get. If you live in Ontario and need a genuinely small amount – $25 to $350 – Speedy Money connects you with licensed Canadian lenders who fund micro loans quickly. We are a free matching service, not a lender, and getting matched will not affect your credit score.
small loans Ontario: available across the province
We match borrowers throughout Ontario, including Toronto, Ottawa, Mississauga, Hamilton and London. Wherever you are in the province, the process is the same: apply online, verify income with IBV, and get funded fast.
Choose your amount
How small loans work in Ontario
- Apply online – choose $25 to $350 and confirm you live in Ontario.
- Verify income with IBV – secure, read-only, ~60 seconds, no credit-score impact.
- Get matched with a licensed lender and review the full cost.
- E-sign and get funded by Interac e-Transfer, often within minutes.
small loans Ontario: what to know
Ontario lenders follow provincial consumer-protection rules and the federal 35% APR cap. Every lender in our network shows you the full cost of borrowing before you sign, and the federal criminal interest rate is capped at 35% APR. For independent guidance, see the Financial Consumer Agency of Canada.
| Amount | Example term | Illustrative cost* | Total* |
|---|---|---|---|
| $50 | 2 weeks | ~$1.35 | ~$51.35 |
| $100 | 2 weeks | ~$2.70 | ~$102.70 |
| $300 | 4 weeks | ~$16.15 | ~$316.15 |
*Illustrative only, capped at 34.99% APR. Your real cost is set by your matched lender.
Who can get small loans Ontario?
small loans Ontario are available to employed residents of Ontario who need a small amount fast. You qualify when you have steady full-time or part-time income, a Canadian bank account for IBV, and the ability to repay on your next payday. Because small loans Ontario are income-based, your credit score is not the deciding factor – so small loans Ontario are within reach even if a bank has turned you down. Choose the smallest amount that solves your problem to keep the cost low.
Frequently asked questions
Are small loans available in Ontario?
Yes. Speedy Money matches residents of Ontario with licensed lenders for small loans of $25 to $350, in line with Consumer Protection Ontario and the federal 35% APR cap.
Can I get a small loan in Ontario with bad credit?
Yes – all credit is considered. Approval is based mainly on your employment income through IBV, not your credit score.
How fast are small loans funded in Ontario?
Fast. Once matched and income-verified, many Ontario borrowers receive an e-Transfer the same day they apply.
About the author
Speedy Money is a free loan-matching and referral service, not a lender. We do not make credit decisions or guarantee approval. Loans come from independent licensed Canadian lenders governed by Canada’s cost-of-borrowing laws (federal cap: 35% APR). Borrow only what you can repay. Full-time or part-time employment income only.