Bad Credit Loans Toronto

When you have bad credit, it can feel like you’re stuck in a rut. Maybe you’ve been turned down for a loan or credit card, or perhaps you’re just not sure where to turn with your unpaid bills or emergency expenses. At Urgent loans bad credit, we understand how difficult it can be to obtain financing when your credit is less than perfect. That’s why we offer bad credit loans in Toronto to help you get back on your feet and on the road to financial stability.

bad credit loans toronto

If you’re looking for a bad credit loans in Toronto or the surrounding areas, we can help. We understand that bad things happen to good people, and we’re here to provide you with the financial assistance you need to get back on your feet. Apply online now and you could have the cash you need in as little as 24 hours!

What is a bad credit loans?

A bad credit loan is a personal loan that is specifically designed for those with less than perfect credit. Unlike a traditional bank loan, which can be difficult or even impossible to obtain if your credit is poor, a bad credit loan is easy to apply for and usually comes with more flexible terms.

A credit rating is a rating that banks and lenders in general use to measure the potential risks involved in lending money to a borrower. If this rating ends up “bad” you will be assigned a low score and therefore it will be much harder for you to apply for and receive a loan in Toronto. However, some private lender such as do not use such ratings, so you still have a chance to receive a bad credit loan!

How does a bad credit loans in Toronto work?

With the help of our simple 3 step application process for a bad credit loan in Toronto, you can get your loan, no matter your credit score. Why? Because we are not a bank but a private lender specialized in helping lower income households! We don’t look at your past but your present financial status. We are using factors such as your current monthly income to make sure you will be able to repay our loan because we do not believe that past mistakes or hardships should prevent you from accessing the help you need now.

We are making it easy and accessible to receive a bad credit loan in Toronto with our fast approval times, no required credit checks and delivery in as little as 24 hours.

To be eligible for a bad credit loan from, all you need to do is:

    • Submit proof that you are a Canadian citizen or a permanent resident of Canada 
    • Provide a bank account with a Canadian bank 
    • Provide a proof of your  monthly income

    bad credit loans toronto

    Apply online and get your bad credit loans in Toronto!


    1. Apply online


    2. Get same day approval


    3. Receive your funds

    What can I use a bad credit Loans in Toronto for?

    Bad credit loans are most commonly used for late bill payments, urgent repairs of one’s home or car or medical emergencies such as injuries of family members or pets. But this is by far not everything you can use your bad credit loan for – we do not believe in restricting our borrowers when it comes to the way they use their loans. You will be able to decide what to use it for. Whether it is to surprise your partner with a little vacation when the financial budget usually would be too tight, to fix up your kitchen or just to take care of some late payments.

    Get your bad credit loans today and say goodbye to financial worries for a while!

    Get your bad credit loan in three steps!

    If you’re looking for bad credit loans in Toronto , we can help! We offer a simple and easy three-step process to apply for a loan. All you need is a valid ID, proof of income, and a bank account. We’ll work with you to get the money you need when you need it. So don’t wait, apply today!

    bad credit loans toronto

    1. Send us your information

    Fill out our short application and wait for a reply.

    2. Receive your approval

    You will receive a loan agreement directly after your application was approved. Once you sign and return it, we will instantly send you your money.

    3. Get your money

    The loan will be deposited directly into your bank account via Interac e-transfer.

    What are the conditions to apply?

    Even though we do not perform credit checks and our loans are easier to obtain than the ones traditional banking institutions offer, our clients still need to meet certain criteria:

    • A checking account that has a history of 3 months or more. We use this info to check whether a client can repay a credit or not.
    • A fulltime job for 3 months or more.
    • 3. If you filed for bankruptcy/consumer proposal in the past, you must be liberated.

    We will also ask you to submit a photo identification (to prevent identity theft) and a proof of your address (can be shown via a utility bill or rental agreement)

    Is there a credit check?

  believes everyone deserves a fair chance when it comes to mastering financial hardships. This is why we do not require credit checks in order to obtain a loan!

    When can I expect my loan to arrive?


    Depending on the time of the application, it can take up to 24 hours for the money to arrive into your bank account.

    Why choose us?

    Citizens of Toronto often turn to our team when they need a short-term financial solution because we offer bad credit loans in Toronto. We work with licensed private lenders, which means that we can provide more flexible and less expensive options than those offered by conventional payday loan companies. Good credit or bad credit – it doesn’t matter. We can help you get the money you need fast!

    • Fast and simple 3-step application process.
    • No credit checks or upfront fees.
    • Surprise free system.
    • Money directly into your bank account via Interac e-transfer.
    • Fast processing – you can expect your money to arrive within 24 hours.
    • Excellent costumer service.
    • Over 12 years of experience.

    Approved loans

    Years in Business

    Happy clients


    Talk to one of our experienced brokers today?

    Put You & Your Family in Good Hands

    Get In Touch

    Don’t miss out on the chance to get an Urgent Loan! Go beyond traditional lending solutions and contact us today for your best loan options regardless of your credit rating.