Windsor has about 230,000 residents (2021 Census) and remains one of Canada’s auto-manufacturing centres, with many jobs at assembly and parts plants. Production changes can mean weeks without regular pay. Windsor residents apply online with Ontario-licensed lenders and receive funds by Interac e-Transfer.
A Windsor exampleTasha works at a parts supplier and is told the plant will be down for two weeks of retooling. She applies for Employment Insurance the same day. Her rent is covered, but she needs $250 for groceries until her first EI payment. She borrows $250 and pays at most $35, and makes sure the due date is after EI starts.
Windsor borrowers are covered by Ontario’s payday loan rules: at most $14 per $100, half your net pay, and two business days to cancel.
Windsor-specific things to know
- Apply for EI immediately. During a temporary layoff, every day you wait delays your first payment. A payday loan should only bridge a known, short gap.
- Cross-border income. If you are paid in US dollars, the lender will look at what lands in your Canadian account after conversion.
Free help in Windsor before you borrow
Ontario Works
Delivered by the City of Windsor for Windsor and Essex County.
Electricity bills
ENWIN Utilities 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 Windsor-Essex services, by phone, text or 211ontario.ca.
Neighbourhoods we serve in Windsor
- Downtown Windsor
- Walkerville
- Riverside
- Sandwich
- South Windsor
- Forest Glade
- East Windsor
- Fontainebleau
- Roseland
- South Cameron
- Ford City
- Remington Park