Whitby has about 139,000 residents (2021 Census) and many young families, especially in Brooklin and the north end. For a lot of households, the monthly Canada Child Benefit is an important part of the budget. Whitby residents apply online with Ontario-licensed lenders, with funds sent by e-Transfer.
A Whitby exampleSarah is paid every two weeks and receives the Canada Child Benefit around the 20th of each month. Her child-care invoice is due on the 15th. Rather than borrow $500 for five days, she asks the centre to move her billing date to the 21st. It costs nothing. If they had said no, a $500 loan would have cost up to $70.
Whitby borrowers are covered by Ontario’s payday loan rules: at most $14 per $100, half your net pay, and two business days to cancel.
Whitby-specific things to know
- Ask to move a due date. Child care, phone and insurance providers will often shift a billing date to after your pay or benefit date.
- File your taxes every year. The Canada Child Benefit is based on your tax return. If you don’t file, payments can stop, even if you had no income.
Free help in Whitby before you borrow
Ontario Works
Delivered by Durham Region for Whitby, Ajax, Oshawa and Pickering residents.
Electricity bills
Elexicon Energy customers: ask about LEAP emergency help. The OESP credit is open to every Ontario household.
211
Food banks, child and family programs and other Durham services, by phone, text or 211ontario.ca.
Neighbourhoods we serve in Whitby
- Downtown Whitby
- Brooklin
- Port Whitby
- Williamsburg
- Rolling Acres
- Taunton North
- Pringle Creek
- Lynde Creek
- Blue Grass Meadows