Ontario — All Cities

Bad Credit Loans in Ontario

Find and compare personal loans for borrowers with less-than-perfect credit — available to borrowers throughout Ontario. Our lending partners serve all major cities and communities across the province.

Check My Rate — No Credit Impact All Loans in Ontario

Compliant with 35% APR (Criminal Rate of Interest cap)

Decisions in minutes

Soft credit check only

About Bad Credit Loans in Ontario

Borrowers with imperfect credit histories across Ontario can still access personal loan options through our lending network. Many Canadian lenders evaluate applicants based on income and overall financial situation, not credit score alone.

All lending partners in our network must comply with 35% APR (Criminal Rate of Interest cap). In Ontario, provincial consumer protection laws may provide additional borrower protections on top of federal requirements.

To get started, complete our short 2-minute application. We use a soft credit inquiry — this has no impact on your credit score. You only agree to a specific loan offer if you choose to accept it, at which point the lender may perform a full credit check.

Eligibility for Bad Credit Loans in Ontario

Be at least 18 years old and a resident of Ontario
Have an active bank account for direct deposit
Have a verifiable source of income
Have a permanent address in Canada
Bad credit is accepted — lenders consider income and other factors beyond credit score
A recent bankruptcy may affect eligibility with some lenders, but options still exist
You do not need a perfect credit history to be matched with a lender

Top Cities in Ontario for Bad Credit Loans

Browse bad credit loan options by city. Each link takes you to a dedicated page with city-specific information, FAQs, and how to apply.

Don't see your city? You can still apply — check your rate online and we'll match you with lenders serving your area.

Frequently Asked Questions About Bad Credit Loans in Ontario

Can I get a bad credit loan anywhere in Ontario?▾

Yes. Lenders in our network serve borrowers across Ontario, including major cities and smaller communities. Loan amounts typically range from $300 to $5,000 CAD and qualification is based primarily on income.

Are bad credit loan regulations different in Ontario?▾

All lenders in our network comply with 35% APR (Criminal Rate of Interest cap). In Ontario, provincial regulations may also apply in addition to federal rules. We only partner with lenders who meet applicable legal standards.

What cities in Ontario can I apply from?▾

Our lending partners serve borrowers throughout Ontario. You can apply from any city or town within the province — online applications are processed regardless of your specific location within Ontario.

How fast can I get a bad credit loan in Ontario?▾

Applications take about 2 minutes to complete. Most applicants receive decisions quickly, and funded amounts can arrive as soon as the same business day depending on the lender and your bank.

Alternatives to Consider

Personal Loans in Ontario

All personal loan options in this region

Emergency Loans

Fast funding for urgent expenses

Debt Consolidation

Combine multiple debts into one payment

Bad Credit Loans

Options for borrowers with poor credit history

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