Thunder Bay has about 109,000 residents (2021 Census) and serves as the regional centre for Northwestern Ontario, with Lakehead University, a regional hospital and a busy port. Thunder Bay residents apply online with Ontario-licensed lenders and receive funds by Interac e-Transfer.
Thunder 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.
Thunder Bay-specific things to know
- Look for the Ontario licence. Every payday lender and broker serving Ontario borrowers, including online ones, must hold an Ontario licence. The number should be on the website and in your agreement.
- Check the Consumer Beware List. Ontario publishes businesses that have faced enforcement action. Search the lender’s name on ontario.ca before you apply.
Free help in Thunder Bay before you borrow
Ontario Works
Delivered by the District of Thunder Bay Social Services Administration Board (TBDSSAB).
Electricity bills
Synergy North 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 Thunder Bay district services, by phone, text or 211ontario.ca.
Neighbourhoods we serve in Thunder Bay
- Port Arthur
- Fort William
- Current River
- Westfort
- Intercity
- Northwood
- Vickers Heights
- Jumbo Gardens
- County Park
Nearby: Sault Ste. Marie, Greater Sudbury