Published instalment loan terms, side by side. Rates reviewed August 2026.
Best for: Ontario borrowers with poor credit who want an instalment loan rather than a payday advance
Apply Now Full profileBest for: Borrowers who want one provider for both a short-term advance and a larger instalment loan
Apply Now Full profile| Cash 4 You | Money Mart | |
|---|---|---|
| Amount range | $100 – $20,000 | $500 – $25,000 |
| Rate | 34.37% APR | 34.56 - 34.95% APR |
| Term | 6 – 84 months | 6 – 84 months |
| Funding speed | 1 day | 2 days |
| Minimum income | $1,500/month minimum | $1,500/month minimum |
| Income types | 3 income types accepted | 3 income types accepted |
| Minimum credit band | poor | fair |
| Provinces | 1 provinces | 9 provinces |
| Cash 4 You | Money Mart | |
|---|---|---|
| Amount range | $120 – $1,500 | $120 – $1,500 |
| Rate | $14 per $100 borrowed | $14 per $100 borrowed |
| Funding speed | 1 day | 1 day |
| Minimum income | $1,500/month minimum | $1,500/month minimum |
| Income types | 3 income types accepted | 3 income types accepted |
| Minimum credit band | any | poor |
| Provinces | 1 provinces | 6 provinces |
