Using this website means accepting these terms. In short: Loans Ottawa is a free publication with one referral link, it does not lend, broker or advise, and any loan you sign afterwards is a contract between you and a licensed lender under Ontario and federal law.
What you are using
Loans Ottawa is an independent publisher that explains how payday and installment loans work for people in Ottawa and the rest of Ontario. It holds no licence under the Payday Loans Act, 2008 because it makes no loans and decides nothing about credit. The apply link leaves this domain for a platform that licensed Canadian lenders use to receive applications.
Accuracy and updates
We write from the Payday Loans Act, 2008, its regulations, the federal Criminal Interest Rate Regulations and what Consumer Protection Ontario publishes; the date at the top of each page records its last review. If a page here and a lender's cost of borrowing disclosure disagree, the disclosure is the figure that binds you. Walk away from any payday cost above $14 per $100 or any installment APR above 35%.
The referral relationship
When a loan funds for someone who arrived through this site, the lender pays us a referral fee, and that fee is the site's only income. It sits between the lender and us, adds nothing to what you repay, and we never bill you. The referral disclosure spells it out, and the privacy page describes what the link sends.
Your agreement is with the lender
Every loan you take is a contract with the lender named on the agreement, not with this site. For a payday loan that contract sits under the Payday Loans Act, 2008, and the lender and each of its locations, online included, must hold a licence from Consumer Protection Ontario. A licence is not a government endorsement.
The statute, not these terms, gives you: a cost of no more than $14 per $100 borrowed; a maximum of $1500, repaid in one payment on your next pay date within 62 days; a loan no larger than 50% of your net pay for the period; the right to cancel at no cost within two business days of signing; a ban on rollovers and on a second payday loan while one is open; and an extended payment plan at no extra cost if you take a third loan within 63 days.
An installment loan runs on its own agreement under the federal 35% APR ceiling. If a lender ignores those rules, the complaints policy says who to contact.
Acceptable use
You may read the site, link to it and quote short passages with credit. You may not copy whole pages, scrape them or use them in unsolicited messages. The pages are written for adults; the age of majority in Ontario is 18.
Limits on liability
The site is offered as it is. We accept no liability for decisions you make after reading it, for the acts of any lender or the platform, or for either being unavailable when you need them. Where Ontario or federal law does not allow such a limit, it does not apply.
Changes
These terms change when the law or the site does, and the date at the top moves with them. Using the site after a change means accepting the new terms. Questions go through the contact page, and the about page says who we are.
Loan options in Ottawa
One page per product: who qualifies, how fast it funds and what to check before you sign.
