Payday Loans Alternative in Niagara Falls, Ontario

What loan amount would you like?


Want to know how many repayments?

1 to 3 repayments
Paid weekly
1 to 3 repayments
Paid bi-weekly or twice a month
1 to 2 repayments
Paid monthly
The system will automatically provide the number of repayments based on your pay frequency (range between 42 to 62 days).
In Manitoba, only a single repayment option is available. A loan taken out with us in Manitoba must be fully repaid at the next pay date.

Tell us what province you live in.


PayDay Is The # 1 Payday Loans Alternative Solution in Niagara Falls,
And Throughout Ontario

Low Rate Flexible Payday Loans in Niagara Falls

Get up to $1500. Low Cost. 5 minutes e-transfer

Niagara Falls is named after the majestic waterfall that straddles the Canadian and US border, a popular tourist attraction for people from around the world to visit.

For the residents of Niagara Falls, Ontario, who call the area home, the tourism industry is a major driver of the local economy. This area is home to nearly 100,000 people, from diverse backgrounds.

It played an influential role as a stop on the Underground Railroad and became home to many former slaves fleeing slavery in the US during the 1800s. Due to the hydroelectric power which is plentiful and affordable, from power plants along the falls and river, the area served as home to a great deal of industry in the 20th century, though that activity has decreased in the past few decades, commensurate with most manufacturing and industrial job changes in North America.

When residents of Niagara Falls need to apply for a payday loan, they choose PayDay as their preferred lender.

PayDay is a leader among a new generation of payday loan alternative lenders. We operate exclusively online, which means that people in Niagara Falls can apply for, get approved for, and receive their funds quickly and easily, all from the comfort of their home or office via the PayDay website or the payday loan app.

This is a great benefit, especially during cold Canadian winters and the storms that can affect the Ontario region. There’s no need to go out in wind, cold, snow, and ice to visit a branch office, everything can be done online!

You can apply for short-term loans from $100 to $1,500 to depending on your needs. There are no collateral requirements, either. Repayments can be made in 1, 2, or 3 installments depending on the particular financial situation and needs of a consumer.

We will also never charge higher rates for multiple repayment installments, which saves you money while providing flexibility.

Loan approval is fast, and funding is even faster. In fact, from the start of application to the availability of funds, many consumers can complete the entire process in 30 to 60 minutes. When you need a fast loan to pay for unexpected bills, car or home repairs, replacing an appliance, help managing your cash flow, or other unplanned expenses, a short-term cash loan from PayDay can be a great solution.

You repay the loan from your next paycheck; your next government benefits check or pension check – whatever your source of income may be.

Interest rates on the loan are quite competitive with other forms of consumer credit, and advantageous for those who may have bad credit history which at times are the people who often need access to quick cash the most.

Many traditional lenders impose credit score requirements on their loans, but we do not because we understand that life happens and that your past does not define your future.

While a credit check is conducted as part of the approval process, there are no minimum credit score requirements to qualify for a loan, and we will not reject customers based solely on their credit score.

In fact, many of our customers apply for bad credit loans and get approved. So, for short-term loans that are as fast, accessible, and impressive as Niagara Falls itself, more and more customers are choosing PayDay as their preferred Canadian payday lender.

We also provide short-term loans

in Toronto, Ottawa, Mississauga, Brampton, London, Windsor, Hamilton.


This is the new Payday Loan option you’ve been waiting for

Apply immediately
Apply Online

Getting a loan has never been easier – or faster. We’ll need some personal background info, then just choose your loan amount and repayment plan. Then you’re good to go.

Know immediately
Know immediately

There’s no fuss in the process. You’ll be immediately informed if you qualify. All that is left is to sign your electronic contract.

Receive money
Get Fund

Any time, day or night, your loan will be e-transferred to you in just 5 minutes!

Maximum total cost of borrowing $300 is $345, without any minimum repayment period.

Qualifying for a Flexible Payday Loans in Niagara Falls, Ontario

Easy to Qualify for a Loan

There are relatively few, simple requirements to qualify for a short-term cash loan. While there is no guarantee of approval, PayDay promises not to automatically reject any application so long as borrowers meet the below minimum requirements for a loan.

  • You must be at least 19 years old.
  • You must be a Canadian citizen, living in Alberta, British Columbia, New Brunswick, and Ontario.
  • You must have been receiving the same source of income for at least 3 months.
  • You must receive a net income of at least $800/month.
  • You must have a Canadian bank account, opened for at least 3 months, with access to online banking features.
  • You must have a valid mobile phone, email address, and home address.

And those are the only basic requirements for applying for a PayDay loan in Niagara Falls through PayDay – simple and easy so that access to funds can be extended to as many residents throughout the Niagara Falls area.

Convenient and Fast

One of the most compelling aspects is how quick and convenient it is to apply for a loan. With a process that takes very little time and can be completed on your computer or mobile phone, 24/7.

We offer lending services that are designed for the 21st century – the way you live your life. There are no visits to branch offices, no travel, no need to fax, mail, or notarize documents, waiting in line, or anything like that.

It saves you time and money allowing you to apply for as well as receive your loan so you can focus on getting on with living your life.

No Surprises

PayDay is an ethical, responsible, and transparent lender, and believes those values are important to uphold. They’re part of our Canadian DNA, and part of building a relationship of trust with our customers, including the residents of Niagara Falls.

As such, Niagara Falls residents will never be surprised by any hidden fees when they apply for a cash advance loan from PayDay. All terms are clearly spelled out as part of the loan application and agreement process, in plain English.

What’s more, we’ll never practice predatory lending, offering you more loan money than you can reasonable afford to repay. It’s all about trust, transparency, and integrity.

Competitive Rates

One of the biggest considerations for many people who are looking to borrow money is what kind of interest rates the lender offers. Naturally, people don’t want to pay more to access credit than they have to.

As an online lender, with no branch offices or other similar expenses, overhead costs are kept exceptionally low. This allows us to pass on the savings to you, our customers, in the form of highly competitive, low-interest rates on our payday loans.

For Niagara Falls residents, the rates on a payday advance loan are only $15 per $100 borrowed, or 15%. This is lower than the rates charged by many credit card providers, personal lenders, and other lending institutions.

That means that, from Chippawa to Stamford, Elgin to Drummond, Niagara Falls residents can get more for their money with PayDay.

Rewarding Loyalty

Like any relationship, we believe that our customers deserve to be rewarded for their loyalty. Therefore, everyone who applies for a short-term loan with PayDay is automatically set up with an account and earns rewards for using the service.

In addition to gaining access to higher loan amounts for future borrowing, PayDay offers resources and information to members to help with financial management, and even provides cash-back rewards based on the amount and frequency of borrowing.

They’re all just part of us saying, “Thank you for choosing PayDay!”

From Durham to York, and from Peel to Halton, we are making sure that everyone in the Greater Niagara Falls Area has access to safe, smart and simple solutions for their financial needs.