Oshawa has about 175,000 residents (2021 Census). The city has deep roots in auto manufacturing, a growing college and university campus, and many residents who commute into Toronto. Oshawa residents can apply online with Ontario-licensed lenders, with funds sent by e-Transfer.
An Oshawa exampleChris commutes from Oshawa to Toronto on GO Transit and is paid every two weeks, $1,350 take-home. His monthly transit pass and a phone bill land in the same week. He borrows $200, pays at most $28, and sets up a separate account to save $20 each payday so next month is covered.
Oshawa borrowers are covered by Ontario’s payday loan rules: at most $14 per $100, half your net pay, and two business days to cancel.
Oshawa-specific things to know
- Commuting costs are fixed. If transit or gas regularly leaves you short before payday, a small monthly savings buffer will save you a fee every month.
- Durham Region services. Ontario Works and many support programs are run by Durham Region.
Free help in Oshawa before you borrow
Ontario Works
Delivered by Durham Region for Oshawa, Whitby, Ajax and Pickering.
Electricity bills
Oshawa Power 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 Durham services, by phone, text or 211ontario.ca.
Neighbourhoods we serve in Oshawa
- Downtown Oshawa
- Windfields
- Northglen
- Donevan
- Lakeview
- Taunton
- Centennial
- Eastdale
- Samac
- McLaughlin
- O’Neill
- Kedron