Affiliate Disclosure

How We Earn Money

Loans Ontario operates as an affiliate referral service. When you complete an application through our site and are connected with a lender, we may receive a referral fee or commission from that lender. This arrangement allows us to offer our service to you at no cost.

Our revenue model does not change the terms, rates, or fees you receive from any lender. Lenders set their own rates and terms independently. The fact that we earn a commission does not increase what you pay.

No Direct Lending

Loans Ontario is not a lender. We do not originate loans, approve credit, set interest rates, or collect payments. We are an information and referral service only. Our role is to help you find lenders who may be able to assist with your borrowing needs.

All lending decisions, credit assessments, and loan terms are made solely by the licensed lenders in our network.

Our Commitment to Honesty

We disclose our affiliate relationships because we believe you deserve to know how we operate. Our financial incentive to refer you does not influence the quality or accuracy of the information we provide on this site.

We are committed to recommending only lenders who are properly licensed and regulated in Ontario and across Canada. We do not promote predatory lending practices, and we encourage all borrowers to read loan documents carefully before signing.

How Your Information Is Used

When you submit an application through Loans Ontario, your information is shared with lenders in our network so they can assess your application and contact you directly. We do not sell your data to third parties outside our lending network. For full details on how we handle your personal information, please review our Privacy Policy.

Responsible Borrowing

While we earn referral fees, we also believe in responsible lending practices. We encourage all borrowers to understand the terms of any loan before accepting it, including interest rates, fees, repayment schedules, and any penalties for early repayment or missed payments.

If you have questions about responsible borrowing or need guidance on managing debt, please visit our Responsible Borrowing page.

Our Editorial Standards

All content on Loans Ontario is reviewed by our editorial team, led by Peter Walter, to ensure accuracy and fairness. Our goal is to provide helpful, unbiased information about fast e-transfer payday loans and how to access credit when you need it.

For more information on how we rate and select lenders, see our How We Rate page.

Questions About Our Affiliate Relationships?

If you have concerns about how we operate or questions about our affiliate disclosures, please contact us directly. Transparency and trust are core to how we serve borrowers across Ontario and Canada.