Last reviewed November 7, 2026 by the Koke editorial team.
Instant Payday Canada is an online lender based in Barrie, Ontario, offering payday loans of up to $1,500 in Ontario, British Columbia and Saskatchewan. Loans run up to 30 days and cost up to $14 per $100. Approved funds are sent by Interac e-Transfer.
Last reviewed November 7, 2026
Provincial regulators license payday lenders. Rows marked Verified were checked on the provincial register on the date shown. Rows marked Listed by lender are the provinces the lender says it is licensed in, which we haven’t checked yet. Either way, licences can change, so use the Verify link before you apply.
| Province | Licence number | Status | Regulator | Checked on |
|---|---|---|---|---|
| British Columbia | Not published | Listed by lender, not yet checked by Koke | Consumer Protection BC · Verify | |
| Ontario | Not published | Listed by lender, not yet checked by Koke | Ministry of Public and Business Service Delivery and Procurement (Consumer Protection Ontario) · Verify | |
| Saskatchewan | Not published | Listed by lender, not yet checked by Koke | Financial and Consumer Affairs Authority (FCAA) · Verify |
Apply now opens Koke’s application page, which sends your answers to our matching partner LeadScout. It may match you with Instant Payday Canada or with other lenders. Koke may be paid for referrals and for clicks to lender websites; that never changes our rating. Disclosure
Apply online, or call for help with the application. Approved loans are sent by e-Transfer. Terms are up to 30 days.
The name suggests speed, but funding time depends on approval, your bank and the time of day. Confirm the licence for your province and read the contract for the total cost before signing.
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.
Licence verified AB, BC, SK
Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.
Licence verified AB, BC, MB, NB, NS, ON, PE
Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.
A payday loan isn’t your only option. See lower-cost alternatives
Tell us what you need once. Our matching partner LeadScout looks for the lender that fits your answers and takes you straight to the offer. Read the cost, compare it with the alternatives, and only sign if it works for you.
Koke is not a lender and may be paid when you apply. Lenders decide approval, cost and terms. No SIN, online-banking login or ID photos asked.
