Can I get a personal loan in Ontario with bad credit?

Yes! Many lenders in Ontario work with all credit types. Our network includes lenders specializing in bad credit loans across all 218 cities in Ontario.

Which cities in Ontario do you serve?

We connect borrowers with lenders across 218 cities in Ontario, including Acton, Ajax, Alliston, Almonte, Ancaster and more.

How fast can I get a loan in Ontario?

Most Ontario residents receive a decision within minutes. Once approved, funds can be deposited as soon as the next business day.

Province Hub

Personal Loans in Ontario

Q: How much can I borrow in Ontario?

Personal loans in Ontario typically range from $300 to $5,000 CAD. The amount depends on your income, credit history, and lender policies.

Find personal loans in Ontario, Canada. Compare lenders in all cities across Ontario. $300-$5,000 CAD, bad credit welcome.

Last updated: April 13, 2026

32 city pages in Ontario

Largest: Toronto (2,794,356)

Regulator: Consumer Protection Ontario

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Top Cities in Ontario

Compare personal loan options in the most popular cities across Ontario.

Barrie Belleville Brampton Brantford Burlington Cambridge Chatham-Kent Cornwall Guelph Hamilton

+ 22 more cities — scroll down for the full list

Loans by Amount

$300 $500 $600 $750 $800 $1,000 $1,200 $1,500

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Loan Purposes

Tax Bills Back to School Legal Fees Car Down Payment Phone & Electronics Repair Pet Expenses

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Loans by Situation in Ontario

Bad Credit in Ontario Same-Day in Ontario No Credit Check in Ontario Installment in Ontario Emergency in Ontario Self-Employed in Ontario On EI in Ontario After Bankruptcy in Ontario Newcomers in Ontario Students in Ontario With a Co-Signer in Ontario Low Income in Ontario

Every Ontario city we cover (32)

Grouped by the population figure recorded for each community. Select a location to see local loan options.

365 Loans matches Ontario residents with licensed lenders offering personal loans from $300 to $5,000 CAD. See how the application works.

Ontario Lending Regulations

Regulated by Consumer Protection Ontario

All personal loans capped at 35% APR under federal Criminal Code Section 347
Licensed payday lenders must display rates prominently
Maximum cost of borrowing for payday loans: $15 per $100
Borrowers have 2 business days to cancel a payday loan without penalty

Note: Payday loans in Ontario are capped at $15 per $100 borrowed, with a maximum loan term of 62 days.

Consumer Helpline: 1-800-889-9768

Ontario loan questions

How much can I borrow in Ontario?

Personal loans arranged through 365 Loans in Ontario range from $300 to $5,000 CAD. The amount offered depends on your income, credit history and the lender's own policies.

Which communities in Ontario do you cover?

We publish loan pages for 32 communities in Ontario, the largest being Toronto, Ottawa, Mississauga, Brampton, Hamilton. Every one is listed in the directory on this page.

Who regulates consumer lending in Ontario?

Consumer Protection Ontario (consumer helpline 1-800-889-9768). All personal loans capped at 35% APR under federal Criminal Code Section 347.

What are the payday loan rules in Ontario?

Payday loans in Ontario are capped at $15 per $100 borrowed, with a maximum loan term of 62 days.

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