Affiliate Disclosure

How We Make Money

Loans Ontario connects borrowers across Ontario and Canada with licensed lenders offering payday loans, installment loans, and other short-term credit products. We do not lend money directly. Instead, when you submit an application through our site and a lender approves and funds your loan, that lender pays us a referral commission.

This commission model is standard in the lending industry. It allows us to provide our service to you at no cost, and it aligns our incentive with yours: we only earn money when you successfully connect with a lender.

No Hidden Fees for You

You will never pay Loans Ontario a fee for using our service. Our referral commission comes directly from the lender, not from your loan proceeds or any separate charge to you. Your loan terms, interest rate, and fees are determined solely by the lender you choose to work with.

Our Lending Partners

Loans Ontario works with a network of licensed lenders operating across Ontario and throughout Canada. All of our partners are licensed to operate in their respective provinces and comply with applicable lending regulations, including the Consumer Protection Act and provincial payday lending rules.

Lender partnerships may change over time as we evaluate which providers offer the best experience and terms for our users. We do not endorse any single lender; instead, we aim to connect you with options that match your credit situation and borrowing needs.

Affiliate Relationships and Commissions

When you apply through Loans Ontario and a lender funds your loan, we receive a referral fee from that lender. The amount of commission may vary by lender and by product type (for example, payday loans versus installment loans may carry different referral rates). However, you will not see this commission reflected in your loan agreement or charged to you separately.

We may also receive compensation from lenders for marketing or advertising partnerships. Any such arrangements are disclosed to ensure transparency about our financial relationships.

How This Affects Our Recommendations

Because we earn a commission from lenders, there is a potential conflict of interest. To manage this, we maintain editorial independence through the following practices:

• Our content and lender comparisons are reviewed by our editorial team, led by Peter Walter, to ensure accuracy and fairness.
• We disclose our commission model clearly on this page and throughout the site.
• We provide honest information about loan terms, risks, and alternatives—including responsible borrowing guidance—even when it might discourage a borrowing decision.
• We do not rank lenders based on commission size; instead, we consider factors like speed of funding, eligibility criteria, and user experience.
• Our How We Rate page explains our methodology for evaluating and presenting lending options.

Your Privacy and Data

When you submit an application through Loans Ontario, your personal and financial information is shared with the lender(s) you select. This is necessary to process your application. We do not sell your data to third parties for marketing purposes. For full details on how we collect, use, and protect your information, please see our Privacy Policy.

Responsible Lending and Borrower Protection

Loans Ontario is committed to responsible lending practices. We provide information to help you make informed decisions about borrowing, including the risks and costs of payday loans. Please review our Responsible Borrowing guide before applying.

All lenders we work with must comply with provincial consumer protection laws. If you have concerns about a lender's practices or believe you have been treated unfairly, you can file a complaint with your provincial regulator.

Transparency and Questions

We believe transparency builds trust. If you have questions about our affiliate relationships, how we earn money, or how we select lenders, please contact us. We are happy to clarify our practices and answer your concerns.

Changes to This Disclosure

Loans Ontario may update this Affiliate Disclosure from time to time to reflect changes in our business model, partnerships, or regulatory requirements. We encourage you to review this page periodically. Your continued use of our service after any updates constitutes your acceptance of the revised disclosure.

For our full terms of service, please see our Terms of Service.