Any premises, or any part of the premises that operates as a payday lending business as defined by the Payday Loans Act.

The payday loan licence is available as of August 1. Payday lending businesses must have a payday loan licence by October 1, 2018 to operate in Toronto.


Individuals, partnerships or corporations.

Must hold a valid licence as of May 1, 2018 as a lender or a loan broker under the Payday Loans Act.

Apply in person at the Licence and Permit Issuing Office located inside the East York Civic Centre, 850 Coxwell, 3rd floor.

The number of licences granted by the City is limited to 212. This represents the total number of licences that were valid under the Payday Loans Act, 2008, and were operating in Toronto as of May 1, 2018.

The number of locations where an operator is permitted to operate is limited to the total number of locations that existed in each ward as of May 1, 2018.

Ward 1: 11
Ward 2: 9
Ward 3: 2
Ward 4: 1
Ward 5: 8
Ward 6: 4
Ward 7: 5
Ward 8: 7
Ward 9: 4
Ward 10: 6
Ward 11: 17
Ward 12: 4
Ward 13: 1
Ward 14: 4
Ward 15: 7
Ward 16: 1
Ward 17: 5
Ward 18: 2
Ward 19: 4
Ward 20: 4
Ward 22: 1
Ward 23: 3
Ward 25: 1
Ward 26: 3
Ward 27: 15
Ward 28: 3
Ward 29: 3
Ward 30: 3
Ward 31: 1
Ward 32: 3
Ward 33: 1
Ward 34: 5
Ward 35: 8
Ward 36: 5
Ward 37: 15
Ward 38: 11
Ward 39: 1
Ward 40: 9

An operator of a payday loan business may change business or location addresses, but is subject to the following conditions:

1. The operator must inform Municipal Licensing and Standards within five business days of any change;
2. The operator must make a new application to the City of Toronto for an update to the licence, indicating the new location; and
3. The operator must pay the applicable pro-rated fee.

The operator of a licensed payday loan business may move freely within its own ward, as it existed on May 1, 2018. A licence holder cannot relocate on or within 500 metres of the Woodbine Racetrack (555 Rexdale Boulevard).

An operator of a payday loan business may only move outside of its current Ward if the cap of the other ward has not been reached.

Zoning approval is required for the majority of new business licence applications. When zoning approval is required, City staff will initiate the approval process after the application is received.

Zoning approval is not required if an applicant is taking over an existing business that has a valid business licence or is expired less than one year prior to the time of new application. When zoning approval is not required, you must provide a signed lease agreement or proof of property ownership.

Original documents required for all applications (and renewal transactions).

Two pieces of government-issued identification (one must be photo ID):

  • Canadian passport (photo ID)
  • Driver’s licence (photo ID)
  • Canadian birth certificate
  • Citizenship card
  • Permanent resident card
  • SIN card (social insurance number)
  • Valid work permit


  • First and last names must match on all identification.
  • We do not accept Health Cards.


Partnerships and corporations must also provide the following:

  • a business location/address
  • a copy of provincial business name registration or signed franchise agreement and
  • a partnership agreement, or
  • a copy of Articles of Incorporation (Note: If there has been a change to the list of officers and directors, a current corporate profile report is required.)

If the president, director or officer of the corporation is unable to apply in person, a designate may apply on their behalf. The designate must:

  • have an original letter advising of their signing authority on the corporation letterhead
  • provide two pieces of identification for themselves
  • provide two pieces of identification for each officer and director of the corporation, or, if original identification is not available, notarized photocopies of the identification.

Applicants must provide an original Criminal Record and Judicial Matters Check issued by a Canadian Police Service within 280 days prior to the application.

Please note:

After November 1st, 2018, under Province’s Police Record Checks Reform Act, 2015, Municipal Licensing and Standards will require “Criminal Record and Judicial Matters Checks” for all applications and renewals. “Criminal Record Checks” will not be accepted.

Individuals applying as sole proprietors must also provide:

  • all business locations/addresses
  • the address for the main office, if different from other locations or where multiple business locations are in operation
  • the name, telephone number, email address and mailing address of the sole proprietor
  • a copy of provincial business name registration or signed franchise agreement

Proof of a valid licence issues by the Province of Ontario under the Payday Loans Act, 2008, including the applicable licence number.

Your licence will expire annually on the anniversary of the date that the licence was first issued.

The renewal fee is $315.17.

A renewal notice, identifying any documents required to renew the licence, will be mailed to the address on file.

Payments received after the licence expiry date are subject to late fees in addition to the annual licence fee.

If you fail to renew your licence within 90 days of the specified renewal date, your licence will be cancelled and you will have to reapply.