North Bay has about 53,000 residents (2021 Census) between Lake Nipissing and Trout Lake. It’s a regional hub for northeastern Ontario, with Nipissing University, Canadore College and an air force base. North Bay residents apply online with Ontario-licensed lenders, with funds sent by e-Transfer.
North Bay borrowers are covered by Ontario’s payday loan rules: at most $14 per $100, half your net pay, and two business days to cancel.
North Bay-specific things to know
- Pawn loans risk the item, not your credit. If you don’t repay a pawn loan, the pawnbroker usually keeps the item. Ask about the cost and the redemption date before you agree.
- Payday loans risk your credit. An unpaid payday loan can be sent to collections and show on your credit report.
Free help in North Bay before you borrow
Ontario Works
Delivered by the District of Nipissing Social Services Administration Board (DNSSAB).
Electricity bills
North Bay Hydro customers: ask about LEAP emergency help. The OESP credit is open to every Ontario household.
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Food banks, rent help and other Nipissing services, by phone, text or 211ontario.ca.
Neighbourhoods we serve in North Bay
- Downtown North Bay
- West Ferris
- Widdifield
- Cedar Heights
- Birchhaven
- Pinewood
- Thomson Park
- Marshall Park
Nearby: Greater Sudbury, Timmins, Barrie