Maximum charges permitted in Ontario for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%


in Toronto, Ottawa, Mississauga, Brampton, London, Windsor, Hamilton, Niagara Falls, Kitchener, Oshawa, Barrie, Guelph, Kingston, Kanata, Milton, Brantford, Thunder Bay, Sudbury, Peterborough, Sarnia, Belleville, Sault Ste. Marie, Welland–Pelham, North Bay, Cornwall, Chatham, Georgetown, St. Thomas, Woodstock, Bowmanville, Leamington, Stouffville, Orillia, Stratford, Orangeville, Bradford, Timmins, Keswick–Elmhurst Beach, Bolton, Midland, Innisfil, Owen Sound, Brockville, Fergus, Lindsay, Collingwood, Cobourg, Alliston, Wasaga Beach, Valley East, Pembroke, Tillsonburg, Port Colborne, Fort Erie, Strathroy, Simcoe, Amherstburg, Petawawa, New Hamburg, Angus–Borden CFB-BFC, Ingersoll, Port Hope, Paris, Rockland, Carleton Place, Beamsville, Uxbridge, Hawkesbury, Kenora, Elliot Lake, Arnprior, Elmira, Wallaceburg, Caledonia, Acton, Port Perry, Bracebridge, Newcastle, Smiths Falls, Binbrook, Crystal Beach, Kincardine, Renfrew, Shelburne, Port Elgin, Aylmer, Goderich, Sutton, Listowel, Essex, Napanee, Fort Frances, Hanover, Kapuskasing, King, St. Marys, Embrun, Sturgeon Falls, Huntsville, Parry Sound, Kirkland Lake, Chelmsford, Port Dover, Brighton, Dunnville, Manotick Station, Corunna, Chippawa, Lively, Dryden, Perth, Smithville, Tay, Petrolia, Gravenhurst, Gananoque, Tottenham, Almonte, Mount Albert, Meaford, Tilbury, Porcupine, Picton, Azilda, Mississauga Beach, Exeter, Mount Forest, Rockwood, Nobleton, Mitchell, Walkerton, Russell, New Liskeard, Blenheim, Caledon East, Delhi, Ayr, Vineland, Richmond, Stayner, Prescott, Kemptville, Dorchester, Beeton, Hearst, Espanola, Southampton, Deep River, Cochrane, Casselman, Bobcaygeon, Campbellford, Haileybury, St. George, Wellesley, Ballantrae, Marathon, Waterford, Clinton, Ridgetown, Iroquois Falls, Tavistock, Bridgenorth–Chemong Park Area, Sioux Lookout, Hagersville, Virgil, Wingham, Wheatley, Norwich, Alexandria, Frankford, Beaverton, Capreol, Lakefield, Harrow, Schomberg, Grand Bend, Seaforth, Erin, Palmerston, Wawa, Durham, Osgoode, Lucan, Thornbury, Fenelon Falls, Dresden, Winchester, Morrisburg, Wyoming, Arthur, Elmvale, Constance Bay, Blind River, Forest, Colchester, Port Stanley, Glencoe, Thamesford, Drayton, Limoges, Dundalk, Stirling, Wiarton, St. Jacobs, Atikokan, Carlisle, McGregor, Ilderton, Cannington, Chesley, Mount Brydges, Geraldton, Coniston, Factory Island, Harriston, Mattawa, Wendover, Long Sault, Metcalfe, Vankleek Hill, Parkhill, Cardinal, Cayuga, Manitouwadge, Tweed, Millbrook, Oro Station–Hawkestone, Chesterville, Everett, Deseronto, Grand Valley, Marmora, Colborne, Milverton, Little Current, Amigo Beach, Watford, Madoc, Attawapiskat 91a, Caledon, Dowling, L'Orignal, Longlac, Englehart, Moosonee, Ingleside, Norwood, Dutton, Plattsville, Powassan, Wikwemikong, West Lorne, Omemee, Barry's Bay, Sunderland, Mildmay, Markdale, Cookstown, Claremont, Marchmont–Bass Lake, Alfred, Bath, Stevensville, Red Lake, Havelock, Thessalon, Chapleau, Creemore, Bourget, Brussels, Golden, Haliburton Village, Belmont, Lucknow, New Dundee, Cobalt, Hastings, Bayfield, Orono, Port Rowan, Stoney Point, Paisley, Palgrave, Jarvis, Chalk River, Iroquois, Eganville

YOUR ONLINE MONEY SOURCE

Canada’s most accessible loans

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instant cash payday loan
Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
instant cash payday loan
Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
Manitoba

GET YOUR MONEY IN A SNAP

Borrowing the Quick Way

We know that you have your own special financial concerns that are unique to you, that’s why our short-term loan business is geared to meet your personal needs.

Even a bad credit score, whether it’s fairly earned or not, doesn’t have to be an obstacle to getting the money you need, when you need it. As a responsible lender, we know that our job is to see the big picture. Whatever happened in the past, if our evaluation of your overall financial situation indicates that today you can repay your loan, we can provide you the funds you need in an instant.

It’s fast, easy and convenient. As a direct lender that operates fully online, you can get those funds you need without having to go through a bunch of rigmarole. You can apply from the couch, during the commercial breaks of your favourite TV show.

There will be no death-by-document-overkill with us. All we need is your basic employment and financial facts. Our advanced algorithm does all the rest. With the ability to borrow as much as $1,500, without having to wait in line at some counter for an hour, we bring the loaning service of the future to you today.

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WHAT'S THE BEST LOAN FOR YOU?

Forget those line-ups down at the brick-and-mortar joint. You can apply for this loan from the comfort of your couch. Our advanced assessment tools instantly determine your eligibility.
The hassle-free loan option.

Intime financial help and on-time loans and borrow money with payday loan advance
Safe & Secure

Completely confidential and secure, guaranteed! We use the same high security standards like the banks.

Expert Support

Our support staff. Always ready and available to answer any questions that you may have to ensure you get the loan you need.

No Hidden Fees

Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.

Flexibility

Your interest fee is unchanged, whether it’s better for you to pay in 1, 2 or 3 equal repayments.

Transparent

Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.

Fast

You’ll know instantly when you’re approved for your loan and what repayment schedule of 1, 2 or 3 installments best suits your needs.

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Our eligibly requirements are basic.

Cloud Nine Loans The hassle-free loan option.

Required

  • Are a Canadian citizen or Perminate Resident.
  • Live in a province where we do business.
  • Are 19 years of age or more.
  • Received the same income source for at least 3 months.
  • Have at least a monthly net income of $800.
  • Are in possession of a Canadian bank account for the last 3 months from which you can do online banking.
  • Have valid email and home address, and a mobile phone.

Can I be approved quickly?

Once you’ve filled out your application, our decisions system, with its advanced algorithm, gives you a decision almost instantly.

Most of our customers have their money in the bank the same day. Once you’re approved and you sign your electronic agreement, our e-transfer system has the funds in your bank in 5 minutes.


Is there a borrowing limit?

Currently we offer loans between $100 and $1,500. These come with flexible repayment options. Our advanced algorithm helps us identify the loan amount that suits your financial circumstances best.

How Much Income do I Need?

Our minimum monthly requirement is an income of $800. A lot of sources, which you might not expect, though, can be counted toward this total. That includes child tax credits, ODSP benefits and pensions, among others. Include such income sources in the Employment Details of your application and we’re ready to go.

How about repayment?

We make repayment as easy as a dream. Once repayment day arrives, we will simply debit the amount stipulated in your loan agreement out of the same bank account into which we made the original loan. All you have to do is be sure there are sufficient funds to cover the repayment. Other than that, there’s nothing for you to worry about.

No Credit Check | High Approvals

Get Up To $1,500 From a Safe Trusted Licensed Lender. Easy Application. Multiple repayments, FAST e-Transfer.

We do things differently

Cloud Nine Loans is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people’s lives.

Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we’re there to help.

Bad credit isn’t a deal breaker

If you’re worried about having bad credit, don’t let that stop you. It’s not the only criteria. We’re much more interested in your ability to make your repayments.


Don’t worry about documents

It’s an easy, real-time, streamlined process. We’ve already got the necessary evaluation tools. We don’t need all those pieces of paper.

Your pre-approval is minutes away

Any time of day, any day of the year, our fully automated decision system is ready to help you identify the best loan option to meet your needs. There’s no stressful waiting for an answer. Every application is reviewed and answered in just minutes.


Transparent costs

We want you to make the best informed judgment for your situation. All our fees are fully transparent and explained. Plus, we’ll answer your questions and provide you the financial planning tools that you need to make the smart choice.

Maximum charges permitted in Ontario for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%


in Toronto, Ottawa, Mississauga, Brampton, London, Windsor, Hamilton, Niagara Falls, Kitchener, Oshawa, Barrie, Guelph, Kingston, Kanata, Milton, Brantford, Thunder Bay, Sudbury, Peterborough, Sarnia, Belleville, Sault Ste. Marie, Welland–Pelham, North Bay, Cornwall, Chatham, Georgetown, St. Thomas, Woodstock, Bowmanville, Leamington, Stouffville, Orillia, Stratford, Orangeville, Bradford, Timmins, Keswick–Elmhurst Beach, Bolton, Midland, Innisfil, Owen Sound, Brockville, Fergus, Lindsay, Collingwood, Cobourg, Alliston, Wasaga Beach, Valley East, Pembroke, Tillsonburg, Port Colborne, Fort Erie, Strathroy, Simcoe, Amherstburg, Petawawa, New Hamburg, Angus–Borden CFB-BFC, Ingersoll, Port Hope, Paris, Rockland, Carleton Place, Beamsville, Uxbridge, Hawkesbury, Kenora, Elliot Lake, Arnprior, Elmira, Wallaceburg, Caledonia, Acton, Port Perry, Bracebridge, Newcastle, Smiths Falls, Binbrook, Crystal Beach, Kincardine, Renfrew, Shelburne, Port Elgin, Aylmer, Goderich, Sutton, Listowel, Essex, Napanee, Fort Frances, Hanover, Kapuskasing, King, St. Marys, Embrun, Sturgeon Falls, Huntsville, Parry Sound, Kirkland Lake, Chelmsford, Port Dover, Brighton, Dunnville, Manotick Station, Corunna, Chippawa, Lively, Dryden, Perth, Smithville, Tay, Petrolia, Gravenhurst, Gananoque, Tottenham, Almonte, Mount Albert, Meaford, Tilbury, Porcupine, Picton, Azilda, Mississauga Beach, Exeter, Mount Forest, Rockwood, Nobleton, Mitchell, Walkerton, Russell, New Liskeard, Blenheim, Caledon East, Delhi, Ayr, Vineland, Richmond, Stayner, Prescott, Kemptville, Dorchester, Beeton, Hearst, Espanola, Southampton, Deep River, Cochrane, Casselman, Bobcaygeon, Campbellford, Haileybury, St. George, Wellesley, Ballantrae, Marathon, Waterford, Clinton, Ridgetown, Iroquois Falls, Tavistock, Bridgenorth–Chemong Park Area, Sioux Lookout, Hagersville, Virgil, Wingham, Wheatley, Norwich, Alexandria, Frankford, Beaverton, Capreol, Lakefield, Harrow, Schomberg, Grand Bend, Seaforth, Erin, Palmerston, Wawa, Durham, Osgoode, Lucan, Thornbury, Fenelon Falls, Dresden, Winchester, Morrisburg, Wyoming, Arthur, Elmvale, Constance Bay, Blind River, Forest, Colchester, Port Stanley, Glencoe, Thamesford, Drayton, Limoges, Dundalk, Stirling, Wiarton, St. Jacobs, Atikokan, Carlisle, McGregor, Ilderton, Cannington, Chesley, Mount Brydges, Geraldton, Coniston, Factory Island, Harriston, Mattawa, Wendover, Long Sault, Metcalfe, Vankleek Hill, Parkhill, Cardinal, Cayuga, Manitouwadge, Tweed, Millbrook, Oro Station–Hawkestone, Chesterville, Everett, Deseronto, Grand Valley, Marmora, Colborne, Milverton, Little Current, Amigo Beach, Watford, Madoc, Attawapiskat 91a, Caledon, Dowling, L'Orignal, Longlac, Englehart, Moosonee, Ingleside, Norwood, Dutton, Plattsville, Powassan, Wikwemikong, West Lorne, Omemee, Barry's Bay, Sunderland, Mildmay, Markdale, Cookstown, Claremont, Marchmont–Bass Lake, Alfred, Bath, Stevensville, Red Lake, Havelock, Thessalon, Chapleau, Creemore, Bourget, Brussels, Golden, Haliburton Village, Belmont, Lucknow, New Dundee, Cobalt, Hastings, Bayfield, Orono, Port Rowan, Stoney Point, Paisley, Palgrave, Jarvis, Chalk River, Iroquois, Eganville

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