Affiliate Disclosure

How We Make Money

24/7 Loans Ottawa connects Canadian borrowers with licensed payday lenders and alternative credit providers. When you click a referral link on our site and complete an application with a lender partner, we may receive a commission or referral fee from that lender. This is how we fund our service and keep our guides and tools free for you.

Our lenders pay us only when you submit an application—not when you visit, click, or browse. We do not charge you any fee. Your cost and terms are determined solely by the lender you choose, based on your application and their lending criteria.

Our Lending Partners

We work with multiple licensed lenders across Canada who offer e-transfer payday loans, lines of credit, and installment loans for all credit situations. Each partner is independently licensed to operate in their provinces and territories. We do not endorse any single lender; instead, we aim to give you transparent information so you can compare options and choose what works best for you.

Lenders may adjust their commission structure or partnership terms with us from time to time. This does not change what you pay—your rates and fees come directly from the lender's own pricing, not from our commission.

No Bias, No Guaranteed Outcomes

We are paid by our lender partners, but that does not mean we recommend one lender over another or guarantee you will be approved. Approval depends on each lender's underwriting, your credit history, income, and other factors. We present lenders fairly and encourage you to read their terms before applying.

Our editorial content—including guides on responsible borrowing, how to compare loans, and how we rate lenders—is written to help you make informed decisions. That content is separate from our referral relationships and is reviewed by our editorial team, led by Trevor Jacobson, to ensure accuracy and usefulness.

Your Privacy and Data

When you apply through our referral links, your personal and financial information goes directly to the lender. We do not collect or store your application data. Please review each lender's privacy policy to understand how they use your information. For more on how 24/7 Loans Ottawa handles any data we do collect (such as cookies or analytics), see our Privacy Policy.

Responsible Lending Commitment

We believe payday loans and similar credit products can help in genuine short-term emergencies, but they carry real costs. We encourage all borrowers to understand the terms, fees, and repayment schedule before committing. If you are struggling with debt or credit, consider speaking with a non-profit credit counselor or financial advisor.

For more guidance, see our Responsible Borrowing page.

How We Rate Lenders

Our rating and comparison process is based on factors like transparency, customer service, speed of funding, and compliance with provincial lending regulations. We do not rate lenders higher or lower based on commission amounts. For a full explanation of our methodology, visit How We Rate.

Questions or Concerns

If you have concerns about our affiliate relationships, our lenders, or how we operate, please contact us directly. We are committed to transparency and welcome your feedback. You can also review our Terms of Service for more details on how we operate.