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The 5 Best Payday Loans in Ottawa You Can Rely On!

  • Credentials – We checked the agency's credentials as a legitimate provider.
  • Loan service – We assessed the overall experience through the types of loans offered and the loan term options.
  • Process and duration – An efficient and timely process is crucial for loan agencies, considering clients may need it urgently or within a period.
  • Client support – We expect the agencies to provide ample support and customer services for any concerns and queries.
  • Price – We listed loan agencies with reasonable and justifiable interest rates and other fees.

Have you ever opened your fridge to find nothing but a sad lettuce leaf staring back at you, or your heating stopped working when your wallet feels as light as a feather in the middle of winter?

We’ve all been there—life throws a curveball, and suddenly, you’re scrambling for cash. If you’re in Ottawa and need quick cash, finding the right payday loan provider can feel overwhelming.

But don’t worry, we’ve done the legwork for you. From hassle-free applications to transparent fees, we’ve rounded up the top payday loan providers in Ottawa that can get you the funds you need—without the headache.

1. Credit Club

credit-club

Services: Payday loans, short-term loans

Address: 116 Albert St #300

Contact Details: +1 866-825-1164; [email protected]  

Operating Hours: 

  • Monday to Friday: 8:30 AM – 4:30 PM
  • Saturday: 10 AM – 2:30 PM

Website

Google reviews score4.6/5
Trustpilot reviews score4.7/5
Total reviews5/5
Score consistency 4.7/5
Credentials 5/5
Loan service5/5
Process and duration5/5
Client support4.5/5
Price (A higher score means better value)5/5
Interest rate5/5
Other fees5/5

What we like most about Credit Club is their fast and reliable application process. You can apply online and get approved within 30 minutes, which is a big win if you’re in need of cash quickly. 

We found their process to be simple and stress-free—for instance—funds are deposited directly into your bank account. Plus, their 24/7 online service is perfect for emergencies—no need to wait for business hours if you’re in a bind at 2 AM.

On top of that, they don’t run credit checks, so even if your credit score isn’t great, you can still get the help you need. Their free online payday loan calculator is also handy if you want to know exactly what you’re getting into before committing.

Just note that they’re closed on Sundays. So, if you need to visit them in person or your online application gets stuck over the weekend, you’ll have to wait until Monday to get things moving.

Also, only their members can loan up to $1,500 since new members can only qualify for only up to $500. This is something to consider if you’re a new client.

Pros

  • Speedy and reliable application process 
  • Can directly deposit into bank accounts
  • Provides 24/7 online services
  • No hidden fees or unnecessary paperwork
  • Has a free online payday loan calculator 
  • Doesn’t run any credit checks 

Cons

  • Closed on Sundays 

    Professional and speedy services

    “Very professional business. I’ve been with them now 5 months. I definitely recommend. It literally only takes 5 min an you have the money. I also like that they will divide the payments into 3 Instrument’s after so many normal payments have been made first.”

    K B, Google review

    User-friendly and reliable app

    “Five Stars!! Credit Club have made the whole process of borrowing money easy! I was especially impressed with their app which worked seamlessly! I recommend their services highly!!”

    Angus MacLeod, Google Review 

    2. Pay2day

    pay2day

    Services: Payday loans, online loans, cheque cashing, home equity loans, prepaid cards

    Address: 1440 Bank St Unit 6; other Ottawa locations

    Contact Details: +1 613-695-1233

    Operating Hours: 

    • Monday to Saturday: 9 AM – 9 PM
    • Sunday: 10 AM – 6 PM

    Website

    Google reviews score4.9/5
    Trustpilot reviews score4.8/5
    Total reviews5/5
    Score consistency 4.9/5
    Credentials 5/5
    Loan service5/5
    Process and duration5/5
    Client support4/5
    Price (A higher score means better value)5/5
    Interest rate5/5
    Other fees5/5

    Pay2Day makes payday loans convenient with two locations in Ottawa and 24/7 e-transfer funding. That means you can get money in your account, day or night, without waiting. 

    From what we’ve seen, their approval process is quick and easy, which makes life simpler when you’re in a hurry. Most clients shared that they get their money within an hour, so there’s no long waiting period like with other lenders.

    Another great aspect of Pay2Day is its friendly staff. Many customers have mentioned how helpful and approachable they are, which is always a plus when navigating the sometimes confusing world of payday loans. 

    But we’re a bit iffy after hearing that there have been issues with payments not being handled smoothly, with some clients being charged fees for NSF payments even when they paid early.

    On a positive note, they have a mobile app to track your loan, making it easy to manage your account on the go.

    Pros

    • Has 2 locations in Ottawa 
    • Has 24/7 funding via e-transfer
    • Quick and easy transactions
    • Friendly and accommodating team
    • Has a mobile app

    Cons

    • Can improve urgency of concerns 

      Helpful and informative

      “Aman was very helpful and informative, whenever I a hesitation or a question she kindly took the time to explain it further so that I understood all the details.”

      Maggie Armstrong, Google Review

      Great with first-timers 

      “It was my first time getting a pay day loan there and jade was so nice and helpful. She assisted me with all my concerns and I was able to get the Pay Day loan. Very recommended place.”

      Christelle Cherizier, Google Review

      3. GoDay

      goday

      Services: Payday, short-term loans and cash advance

      Address: 500 Danforth Avenue, Unit 304, Toronto

      Contact Details: 888-984-6329

      Operating Hours: 24/7

      Website

      Trustpilot reviews score4.4/5
      Total reviews5/5
      Score consistency 5/5
      Credentials 5/5
      Loan service4.5/5
      Process and duration4/5
      Client support5/5
      Price (A higher score means better value)5/5
      Interest rate5/5
      Other fees5/5

      We noticed how GoDay is all about convenience, given that you can apply online or through their mobile platform without ever leaving your house, and the process is pretty quick. There’s no need for paperwork or faxing, which makes the application even smoother. 

      It’s also worth noting that their encryption system is top-notch, so you can feel secure knowing that your personal information is well-protected. They take your privacy seriously, which is comforting when dealing with financial services online.

      A lot of borrowers we talked to have mentioned that GoDay is responsive and helpful, which can make a stressful situation easier to handle, especially for first-time borrowers. 

      One drawback is that GoDay doesn’t accept in-person applications or dispense cash at office locations. This could be inconvenient for anyone who prefers face-to-face interactions or needs physical cash in hand.

      Nonetheless, their flexible borrowing options and same-day funding have saved the day for many people in a pinch.

      Pros

      • Convenient online and mobile application 
      • Excellent information protection 
      • Reliable customer service
      • Flexible borrowing

      Cons

      • Doesn’t accept in personal applications  
      • Doesn’t dispense cash at office locations

        GoDay loan service is fast and reliable

        “GoDay loan service makes it easy to apply and fast friendly customer service. No crazy hidden costs or hassles. Apply, speak to a rep and money is e-transferred shortly after approval.”

        Chris, Trustpilot Review

        Reliable

        “GoDay Fast Cash provides a quick and straightforward way to access short-term loans for those in urgent financial situations. The application process is simple, and approvals are often rapid, making it convenient for emergencies. However, interest rates can be high, which is typical of payday loan services, so it’s important to be cautious about repayment terms.”

        Nicole, Trustpilot Review

        4. Money Mart

        money-mart

        Services: Payday loans, installment loans, cash advance loans, and small business loans

        Address: 318 Dalhousie St; other Ottawa locations

        Contact Details: (800) 361-1407

        Operating Hours: 

        • Monday to Friday: 8 AM – 10 PM
        • Saturday to Sunday: 9 AM – 9 PM

        Website

        Google reviews score4.5/5
        Trustpilot reviews score4.5/5
        Total reviews5/5
        Score consistency 5/5
        Credentials 5/5
        Loan service4.5/5
        Process and duration4/5
        Client support5/5
        Price (A higher score means better value)5/5
        Interest rate5/5
        Other fees5/5

        Money Mart is great if you’re someone who prefers doing things in person. With nine locations in Ottawa, you’re never too far from a branch, and that’s a big plus for people who prefer to apply face-to-face. 

        We love that they offer more than just payday loans, too. If you need a consumer loan, cash advance, or even help with cheque cashing and money transfers, Money Mart has you covered—perfect for those who need more than just a short-term loan.

        However, if you’re after the convenience of direct bank deposits, expect to wait 1-2 days for the funds to appear in your account. You’ll also need a bank account to apply, which might be a dealbreaker for some.

        Overall, their highly-rated customer service adds to the appeal, with many customers praising the support they get during the loan process. Plus, with 24/7 availability, you can reach out or apply anytime, making it even more convenient.

        Pros

        • Has 9 locations in Ottawa 
        • Offer various financial loaning services
        • Available 24/7 
        • Reliable customer service

        Cons

        • Direct bank deposits take 1-2 days
        • Bank account is required

          Great service

          “Great service I received from Mara and she was patient and helpful. Answered my questions and made the miracle. I recommend this place to everyone and I’ll definitely come back.”

          Amadou Barry, Google Review

          Fast transfer

          “Cristel helped me get the transfer I was receiving for my rent in less than 5 minutes. Good customer service here!”

          Balaporte Jean, Google Review

          5. iCash

          icash

          Services: Payday loans, personal loans, installment loans, cash advance, business loans

          Address: 372 Bertha St, Hawkesbury

          Contact Details: +1 844-419-2274

          Operating Hours: 24/7

          Website

          Google reviews score4.5/5
          Trustpilot reviews score4.4/5
          Total reviews5/5
          Score consistency 4.5/5
          Credentials 5/5
          Loan service5/5
          Process and duration4/5
          Client support4/5
          Price (A higher score means better value)5/5
          Interest rate5/5
          Other fees5/5

          A unique highlight for iCash is that they’re pretty flexible with who they approve for loans, which is a huge advantage. They accept income from non-traditional sources, such as self-employment, government benefits, and pension payments, making their loans accessible to more people. 

          It’s also nice that they don’t perform credit checks, so your credit score won’t stand in your way. This can be helpful if you’ve been turned down by other lenders.

          Another aspect we love is how they use strong encryption technology to keep your data secure, so you don’t have to worry about your information getting into the wrong hands.

          On the downside, some customers have reported glitches with the online application, causing them to re-enter their details multiple times. This can be frustrating and slow things down when you’re in a hurry for cash.

          Despite the occasional glitches, we found their website to be incredibly informative, making it easy to find answers and make informed decisions before applying.

          Pros

          • Accepts non-traditional sources of income 
          • Has a strong encryption technology
          • Doesn’t do credit checks 
          • Has an informative website

          Cons

          • Some reports of online glitches

            Best place to get loans without judgment 

            “This is by far the best place to get loans without any judgment they hear you and understand your situation.  It’s set amounts but you can explain the dates that makes it possible for them to get the payments from you with no hassle. This has been so easy to get the money you need steps are so easy to follow and in 2 mins the money is in your account. If I could give 10 stars I would its just that amazing.”

            Gina Fitzgerald, Google Review

            Fast approval

            “iCash has been a huge financial relief to get my family and I through. I chose them over any other financial loan service because of the convenience at my finger tips. With fast approval, quick e-transfer, low interest rate, cash back and their loyalty program they provide. I love the confetti when I’m done paying off a loan ”

            Shona Rae, Google Review

            FAQs about Payday Loans in Ottawa

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