- 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 Kingston: licensed lenders, costs and local help
In Kingston, payday loans are governed by Ontario law: provincially licensed lenders, a $14 per $100 ceiling, a 50% of net pay limit, two business days to cancel, and an extended payment plan if you borrow three times in 63 days. A $250 loan costs $35.
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 Kingston online.
Kingston's paycheques come from public institutions: Queen's University, St. Lawrence College, the hospitals, CFB Kingston and the federal correctional facilities, plus tourism along the waterfront. That makes incomes steadier than in many cities, but students, part-time service workers and newcomers often run short at the start and end of each term. Military families moving in and out face their own costs.
I’m a student between terms. What are my options?
Queen’s and St. Lawrence College both run student awards offices that handle emergency bursaries and short-term loans for students who hit a gap before OSAP or a job pays out. Those are free or close to it. A payday loan to cover September rent costs $14 per $100, and Ontario lets a lender lend you only half your net pay, so it may not even cover the whole bill.
What about military families?
Canadian Armed Forces members and families can get free, confidential financial counselling through SISIP Financial, part of Canadian Forces Morale and Welfare Services, and can ask about the CF Personnel Assistance Fund, which can help with a loan or grant in genuine hardship. Ask before you borrow.
Where can I get help locally?
Partners in Mission Food Bank has served Kingston for more than 40 years and supplies food to programs across the city. Non-profit credit counsellors, including the Credit Counselling Society, offer free help by phone and video. 211 Ontario can point you to rent and utility help.
If a Kingston lender breaks Ontario’s rules, for example by contacting your family about a debt, you can complain to Consumer Protection Ontario.
What if I live outside the city?
People from Amherstview, Napanee, Gananoque, Sydenham and Wolfe Island come into Kingston for services, including borrowing. If you’d have to drive or take the ferry back to repay or cancel, an Ontario-licensed online lender may be easier, but check the licence first.
A worked example: a $250 gap before payday costs up to $35 as a payday loan. Queen’s or St. Lawrence College emergency funds, if you’re a student, or a payment arrangement with Utilities Kingston on a bill, can cost nothing at all.
Kingston’s student rental market turns over every spring and fall. If you’re paying first and last month’s rent at the same time as tuition, ask the landlord whether you can split the deposit, and know that in Ontario a landlord can only collect a deposit for the last month’s rent, not a damage deposit.
Is there somewhere cheaper to try first?
Partners in Mission Food Bank
Supplies food to programs across Kingston.
SISIP Financial (CFMWS)
Free, confidential financial counselling for Canadian Armed Forces members and families.
Credit Counselling Society
Non-profit credit counselling by phone, video or in person. Advice is free, and they can set up one affordable repayment plan with the people you owe.
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 Queen's students get emergency money instead of a payday loan?
Yes. Queen's and St. Lawrence College both offer emergency bursaries and short-term help through their student awards offices.
Can I get an extended payment plan in Kingston?
Yes. Ontario requires a lender to offer one if this is your third payday loan in 63 days.
What does a $250 payday loan cost in Kingston?
Up to $35 at the $14 per $100 maximum.
Nearby
Kingston neighbourhoods
- Downtown
- Sydenham
- Williamsville
- Portsmouth
- Kingscourt
- Cataraqui
- Barriefield
Ready to apply from Kingston?
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.