These terms apply the moment you use the site. The short version: Loans London is a free publication carrying one referral link, it neither lends nor brokers nor advises, and a loan signed after leaving here is a contract between you and a licensed lender governed by Ontario and federal law.
What you are using
You are reading the work of an independent publisher describing payday and installment lending for London, Ontario and the rest of the province. No licence under the Payday Loans Act, 2008 attaches to the site, because no loan and no credit decision ever happens here. Applying means leaving this domain for the platform that licensed Canadian lenders take applications through.
Accuracy and updates
Pages are written from the Payday Loans Act, 2008 and its regulations, the federal Criminal Interest Rate Regulations and what Consumer Protection Ontario publishes, with the last review recorded in the date at the top of each page. Where a page here and a lender's cost of borrowing disclosure differ, the disclosure governs. Treat any payday cost above $14 per $100, or any installment APR above 35%, as the signal to walk away.
The referral relationship
A funded loan that began at our apply link earns this site a referral fee from the lender, and that fee is its only revenue. It runs from lender to publisher, never touches your repayment and never appears on anything you owe. The referral disclosure holds the detail, and the privacy page covers what the link itself transmits.
Your agreement is with the lender
Any loan you sign is between you and the lender named on it; this site is not a party to it. A payday agreement falls under the Payday Loans Act, 2008, with the lender and each of its locations, online included, licensed by Consumer Protection Ontario; a licence is never an endorsement.
Your protections come from the statute rather than from these terms: $14 per $100 as the ceiling on cost; $1500 and 62 days as the limits, with one repayment on your next pay date; an 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 the third loan within 63 days.
An installment loan carries its own agreement under the 35% federal APR ceiling. A lender that ignores any of this is the subject of the complaints policy.
Acceptable use
Reading the site, linking to it and quoting short passages with credit are welcome. Copying pages wholesale, scraping them or dropping their content into unsolicited messages is not. The pages address adults; 18 is the age of majority in Ontario.
Limits on liability
The site comes as it is. No liability is accepted for choices made after reading it, for the acts of any lender or of the platform, or for any of the three being unreachable when you need them. Any limit that Ontario or federal law does not permit falls away.
Changes
The terms move when the law or the site moves, and the date at the top records it. Continuing to use the site means accepting the current version. The contact page takes questions, and the about page introduces the team.
Loan options in London
One page per product: who qualifies, how fast it funds and what to check before you sign.
