Using this site means accepting these terms. The short version: Loans Kitchener is a free publication with a single referral link, it does not lend, broker or advise, and any loan you sign after leaving here is a contract between you and a licensed lender under Ontario and federal law.
What you are using
You are reading pages written by an independent publisher about payday and installment lending in Kitchener-Waterloo and the rest of Ontario. The site holds no licence under the Payday Loans Act, 2008, because no loan and no credit decision ever happens on it. Pressing apply takes you off this domain to the platform where licensed Canadian lenders receive applications.
Accuracy and updates
Pages are written from the Payday Loans Act, 2008 and its regulations, the federal Criminal Interest Rate Regulations and the material Consumer Protection Ontario publishes, with the review date shown at the top of each page. Where a page here differs from a lender's cost of borrowing disclosure, the disclosure governs. A payday cost above $14 per $100, or an installment APR above 35%, is the signal to walk away from a lender, not a figure you will find quoted here.
The referral relationship
When a loan that began at our apply link funds, the lender pays this site a referral fee, and that fee is the site's only revenue. It flows from lender to publisher, never appears in your agreement and never touches what you repay. The referral disclosure holds the full detail, and the privacy page covers what the link itself transmits.
Your agreement is with the lender
A loan you sign is a contract between you and the lender named on it; Loans Kitchener is not a party to it. A payday agreement sits under the Payday Loans Act, 2008, with the lender and each of its locations, online included, licensed by Consumer Protection Ontario; a licence is not an endorsement.
The statute, not these terms, is where your protections come from: $14 per $100 as the cost ceiling; $1500 and 62 days as the limits, repaid in one debit on your next pay date; the advance held to 50% of the period's net pay; two business days to cancel at no cost; no rollovers; no second payday loan while one is open; and an extended payment plan at no extra cost on a third loan within 63 days. An installment agreement answers to the federal 35% APR ceiling. A lender ignoring any of this belongs on the complaints page.
Acceptable use
Read the site, link to it and quote short passages with credit. Copying whole pages, scraping the site or pasting its content into unsolicited messages is not permitted. The pages are written for adults; 18 is Ontario's age of majority.
Limits on liability
The site is provided as it is. We accept no liability for decisions made after reading it, for the conduct of any lender or of the platform, or for any of the three being offline at the moment you need them. Any limitation that Ontario or federal law does not allow does not apply.
Changes
These terms change when the law or the site changes, and the date at the top records when. Continuing to use the site means accepting the current version. Questions go to the contact page; the about page explains who writes everything.
Loan options in Kitchener
One page per product: who qualifies, how fast it funds and what to check before you sign.
