- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Next business day
- Apply
- Online and in-store
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
Payday loans in Barrie: licensed lenders, costs and local help
If you live in Barrie, only lenders holding an Ontario payday loan licence can lend to you. The total cost is capped at $14 per $100, and every lender has to give you a two-business-day cooling-off period. On a $500 loan, the most you'd pay is $70.
Last reviewed November 7, 2026
- Max cost
- $14 per $100
- Max loan
- $1,500
- Max term
- 62 days
- Cancel within
- 2 business days
- Regulator
- Ministry of Public and Business Service Delivery and Procurement (Consumer Protection Ontario)
Payday loan rules are set by each province and can change. Figures on this page were last checked on November 7, 2026 against Ministry of Public and Business Service Delivery and Procurement (Consumer Protection Ontario). Always confirm with the lender’s contract and your regulator.
Who lends payday loans here?
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.
- Cost per $100
- $14.00
- Borrow up to
- $25,000
- Funding
- Next business day
- Apply
- Online and in-store
Licensed per lender AB, BC, MB, NB, NL, NS, ON, PE, SK Confirm with regulator
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, MB, NB, NS, ON, PE
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licence verified AB, BC, MB, NS, ON, SK
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, ON
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licence verified AB, BC, NS, ON
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
- Cost per $100
- $14.00
- Borrow up to
- $35,000
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, MB, NB, NL, NS, ON, PE, SK
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, ON
- Interest rate
- 9.99% to 35% APR (unsecured from 29.99%)
- Borrow up to
- $20,000
- Funding
- Next business day
- Apply
- Online and in-store
Licensed per lender AB, BC, MB, NB, NL, NS, ON, PE, SK Confirm with regulator
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licensed per lender BC, ON Confirm with regulator
No storefronts confirmed in the last 90 days. Lenders listed above serve Barrie online.
Barrie has grown fast as people moved north for housing they could afford, and many still commute down Highway 400 or ride the GO train to jobs in the GTA. That brings its own costs: gas, car payments, GO fares, and long days with less time to sort out money problems. When the car needs work or a commuting month runs over, a payday loan is the fast answer. Here's what Ontario's rules give you, and what else Barrie offers.
Does commuting make short-term borrowing more likely?
It can. When getting to work depends on a car, a repair can’t wait for payday. Ask the shop about splitting the bill, and check whether your employer offers a pay advance on wages you’ve already earned. If you take a payday loan anyway, borrow only the repair amount; Ontario caps each loan at half your net pay.
Where can I get help locally?
The Barrie Food Bank serves the city and nearby communities. Georgian College students can ask about emergency bursaries. For bills you can’t cover, 211 Ontario will point you to rent and utility programs in Simcoe County, and Ontario Works emergency assistance may help if you’re in a crisis.
What if I’m already juggling payday loans?
Don’t take a new one to pay the last. Ontario requires a lender to offer an extended payment plan after your third loan in 63 days, and lenders can’t roll a loan over. A non-profit credit counsellor, by phone or online, can set up one affordable payment covering several debts.
Before you sign, check the lender on Ontario’s public licence search, and read the total cost of borrowing on the first page of the agreement.
What if I live outside Barrie?
People come into Barrie from Innisfil, Springwater, Oro-Medonte, Essa and Angus to borrow. If you’re driving in, add the trip to the cost, especially if you might need to come back to repay or cancel. Lenders licensed in Ontario can lend online anywhere in the province, but check the licence before you apply.
A worked example: $500 borrowed to cover a monthly GO pass and gas until payday costs up to $70, so you repay $570. If your employer offers a pay advance on hours already worked, the same $500 costs nothing.
Is there somewhere cheaper to try first?
Barrie Food Bank
Food support for Barrie and nearby communities.
Credit Canada
Non-profit credit counselling for Ontarians: free advice, budgeting and debt repayment programs, by phone or online.
Ontario Works emergency assistance
Short-term help with food, housing or other essentials if you're in a crisis and qualify. Apply online or through your local office.
211 Ontario
Free, confidential referrals to help with rent, food, utilities and emergencies. Dial 2-1-1 any time.
What will it cost?
Common questions
Can I cancel a payday loan in Barrie after I sign?
Yes. Ontario gives you two business days to cancel without paying a fee or giving a reason. Return the money and tell the lender in writing.
Is there help with a car repair for work in Simcoe County?
Ask 211 Ontario about local programs, and ask your employer about an advance on wages already earned. Both cost far less than a payday loan.
What does a $500 payday loan cost in Barrie?
Up to $70 at the $14 per $100 maximum.
Nearby
Barrie neighbourhoods
- Downtown
- Allandale
- Painswick
- Holly
- Ardagh
- East End
- Innis-Shore
Ready to apply from Barrie?
One application, about three minutes. Our matching partner shows you the offer that fits your answers, from a lender that works in Ontario. Read the cost before you sign.
Reviewed by Trust Pilot, Accredited Financial Counsellor Canada® on November 7, 2026. Our editorial standards
Sources
Update log
- — Page published; provincial rules and local help checked.