- 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 Oshawa: licensed lenders, costs and local help
Oshawa borrowers are protected by Ontario's Payday Loans Act. Lenders must be provincially licensed, charge no more than $14 per $100, and can't lend more than half your net pay or roll a loan over. Cancel free within two business days. $800 costs $112.
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 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 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
- 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
- Interest rate
- 24.99% to 34.99% APR
- Borrow up to
- $10,000
- Funding
- Same day
- Apply
- Online and in-store
Licensed per lender AB, BC, MB, NB, NL, NS, ON, SK Confirm with regulator
No storefronts confirmed in the last 90 days. Lenders listed above serve Oshawa online.
Oshawa's identity is tied to the auto plant, and for decades a lot of family budgets rose and fell with shifts at GM. Today the city also leans on health care, education at Ontario Tech University and Durham College, and a growing number of commuters into Toronto. Production changes and temporary layoffs still ripple through local paycheques. When income pauses, a payday loan can look like a bridge, but it's a costly one.
What if I’m on a temporary layoff?
Apply for Employment Insurance the first week, because there’s a waiting period before payments start. Ask your union or employer about supplementary benefits, and tell your lenders and landlord early; a payment arrangement now is cheaper than a payday loan later. If you’ve worked at a large employer, check whether there’s an employee assistance program that covers financial counselling.
Which local options cost less?
Feed the Need in Durham supplies food to programs across the region, including Oshawa, which can free up money for rent. Durham College and Ontario Tech students can ask about emergency bursaries. Non-profit credit counsellors, including Credit Canada, work with Durham residents by phone, online and in person.
What rights do I have with an Oshawa lender?
An Ontario lender can’t take payments straight from your paycheque, can’t give you a second payday loan until the first is paid off, and can’t contact you more than three times a week about a missed payment. If you fall behind, interest on the overdue amount is limited to 2.5% a month.
If a lender breaks the rules, file a complaint with Consumer Protection Ontario.
What if I commute into Toronto?
Many Oshawa residents drive the 401 or ride the GO train into Toronto for work. When a car repair or a month of fares lands before payday, ask your employer about an advance on wages you’ve already earned. It’s interest-free, and Ontario law doesn’t treat it as a payday loan.
A worked example: $800 borrowed for a transmission repair costs up to $112 at the cap. Ontario’s 50% rule means you’d need at least $1,600 in take-home pay for that period to borrow the whole amount. If you’d need two loans to cover it, a credit union personal loan repaid over several months will cost much less.
Is there somewhere cheaper to try first?
Feed the Need in Durham
Supplies food to programs across Durham Region, including Oshawa.
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 a payday lender take money from my paycheque in Oshawa?
No. Ontario lenders can't ask for or accept repayment through a deduction from your pay.
What happens if I miss a payday loan payment in Oshawa?
The lender can charge interest of up to 2.5% a month on the overdue amount and up to $20 once for a returned payment. Your bank may also charge its own NSF fee.
What does an $800 payday loan cost in Oshawa?
Up to $112 at the $14 per $100 maximum.
Nearby
Oshawa neighbourhoods
- Downtown
- Northglen
- Centennial
- Eastdale
- Lakeview
- Windfields
- Taunton
Ready to apply from Oshawa?
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.