- 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 Sudbury: licensed lenders, costs and local help
Greater Sudbury payday lenders, whether in a store or online, need an Ontario licence. They can charge up to $14 per $100 borrowed, must offer an extended payment plan on your third loan in 63 days, and can't contact your family about debts. $500 costs $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 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 Sudbury online.
Sudbury runs on nickel. Mining and the companies that supply it pay well, but schedules, rotations and contract work can make income uneven, and the city's size means long drives and high winter costs. Health care, Laurentian University, Cambrian College and Collège Boréal round out the economy. Northern Ontario borrowers also deal with higher prices for heating and transportation, which is when short-term loans tend to come in.
How do winter costs push people toward payday loans?
Heating, snow tires and car trouble in deep cold arrive together. Before you borrow for a heating bill, call your utility: Greater Sudbury Hydro and the gas companies offer payment arrangements, and Ontario’s Low-income Energy Assistance Program (LEAP) can help with overdue energy bills if you qualify. 211 Ontario can tell you how to apply locally.
I’m on a mining rotation. Does that change anything?
Lenders look at regular pay, and Ontario limits each loan to half your net pay for the period. If your income swings with overtime, borrow against your normal pay, not your best cheque. And if a contract ends, apply for EI right away.
Where can I get help in Sudbury?
The Sudbury Food Bank supplies food programs across Greater Sudbury. Students at Laurentian, Cambrian and Boréal can ask about emergency bursaries. Ontario Works emergency assistance may help in a crisis, and non-profit credit counsellors offer free advice by phone or online in English and French.
If you’ve already borrowed three times in 63 days, ask your lender for the extended payment plan Ontario requires.
What if I live in the outlying communities?
Greater Sudbury covers a huge area, from Capreol and Valley East to Walden and Coniston, and people in Espanola, Chelmsford and the Manitoulin often come into the city to borrow. If the nearest storefront is a long drive, an online lender licensed in Ontario can be easier, but check the licence first and make sure you can cancel online or by email.
A worked example: a $500 heating oil delivery paid with a payday loan costs up to $70. LEAP or a payment arrangement on the same bill costs nothing extra.
Is there somewhere cheaper to try first?
Sudbury Food Bank
Supplies food programs across Greater Sudbury.
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.
Credit Canada
Non-profit credit counselling for Ontarians: free advice, budgeting and debt repayment programs, by phone or online.
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
Is there help with heating bills in Sudbury?
Yes. Ask your utility for a payment arrangement, and ask 211 Ontario about the Low-income Energy Assistance Program if your bill is overdue.
Can I deal with a payday lender in French in Sudbury?
Some lenders offer French service; ask before you apply. Credit counsellors serving Ontario also offer French-language help.
What does a $500 payday loan cost in Sudbury?
Up to $70 at the $14 per $100 maximum.
Nearby
Sudbury neighbourhoods
- Downtown
- New Sudbury
- Minnow Lake
- South End
- Flour Mill
- Val Caron
- Lively
Ready to apply from Sudbury?
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.