If something on this site is wrong, if the apply link took you somewhere you did not expect, or if a lender you reached through us has treated you badly, this page says where to take it and what to expect. Most complaints about a loan belong with the lender first and with Consumer Protection Ontario after that.
Complaints about this site
Write to the address on the contact page with the page in question and what you think is wrong. We acknowledge within two business days and answer in full within ten. If a figure is stale we correct it and move the "last updated" date, and if a Brantford detail is wrong, a road, an employer, a bus route, we fix that too.
Complaints about the application platform
The form, the bank verification step and the matching to lenders all run on a separate platform, and complaints about any of them go to that platform's support and privacy contacts, printed on your confirmation. We do not hold your application, so we cannot see it, change it or find out why it stalled. The how it works page names each step so you can tell the platform which one went wrong.
Complaints about a lender
A payday lender in Ontario must hold a licence for the business and for each location under the Payday Loans Act, 2008, and the licence comes with rules: a fee at or under the federal cap of $14 per $100 borrowed, a $1500 maximum, the two business day cancellation right, no rollovers or concurrent loans, an extended payment plan on the third loan within 63 days, and limits on how the lender may collect. Start with the lender's own complaint contact, which the agreement must show.
If that fails or the conduct is serious, Consumer Protection Ontario takes complaints about licensed lenders, can order money returned and can pull a licence. Gather the signed agreement, the bank record of the deposit and every debit, any messages from the lender, and the dates. A lender with no Ontario licence at all, online or at a counter on Colborne Street or King George Road, goes straight to the regulator, since lending without a licence is itself a breach of the Act.
Who handles what
One office handles each problem below.
| The problem | Where it goes |
|---|---|
| A page on this site is wrong, stale or unclear | Us, by email |
| The application form, the bank connection or your data on the platform | The platform's support contact on your confirmation |
| Fees over the legal cap, a refused cancellation, a rollover, a missing extended payment plan | The lender first, then Consumer Protection Ontario |
| Collection calls to your workplace or debits you did not agree to | The lender first, then Consumer Protection Ontario |
| A lender serving Brantford without an Ontario licence | Consumer Protection Ontario directly |
| General questions about your rights as a borrower | The Financial Consumer Agency of Canada |
What we keep
We keep complaint emails and our replies until the matter is resolved and the site is fixed, and we never share them with lenders or the platform.
Loan options in Brantford
One page per product: who qualifies, how fast it funds and what to check before you sign.
