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    Ontario — All Cities

    No Credit Check Loans in Ontario

    Find and compare personal loans that use a soft inquiry and don't require a hard credit pull — available to borrowers throughout Ontario. Our lending partners serve all major cities and communities across the province.

    Check My Rate — No Credit ImpactAll Loans in Ontario
    Compliant with 35% APR (Criminal Rate of Interest cap)
    Decisions in minutes
    Soft credit check only

    About No Credit Check Loans in Ontario

    Borrowers in Ontario can compare personal loan offers without a hard credit inquiry. Our matching process uses only a soft check, leaving your credit score unaffected until you choose to proceed with a specific lender.

    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 No Credit Check 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
    • Only a soft credit inquiry is used during the matching process — no hard pull
    • Your credit score is not impacted when checking your rate through 365 Loans
    • A hard inquiry may occur if you accept an offer from a specific lender

    Top Cities in Ontario for No Credit Check Loans

    Browse no credit check loan options by city. Each link takes you to a dedicated page with city-specific information, FAQs, and how to apply.

    No Credit Check Loans in ActonNo Credit Check Loans in AjaxNo Credit Check Loans in AllistonNo Credit Check Loans in AlmonteNo Credit Check Loans in AncasterNo Credit Check Loans in AngusNo Credit Check Loans in ArnpriorNo Credit Check Loans in AtikokanNo Credit Check Loans in AuroraNo Credit Check Loans in AylmerNo Credit Check Loans in AyrNo Credit Check Loans in BadenNo Credit Check Loans in BalaNo Credit Check Loans in BancroftNo Credit Check Loans in BarrieNo Credit Check Loans in Barry's BayNo Credit Check Loans in Base BordenNo Credit Check Loans in BeetonNo Credit Check Loans in BellevilleNo Credit Check Loans in Bolton

    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 No Credit Check Loans in Ontario

    Can I get a no credit check 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 no credit check 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 no credit check 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.

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    Join thousands of Canadians who have found better loan options with 365 Loans Canada. Apply now and get your personalized offers in minutes.

    No-Impact Credit Check: Comparing offers will not affect your credit score.

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