Gold buyer and licensed Ontario payday lender
Cash for gold & payday loans in downtown Oshawa
Oshawa's licensed money counter, with two doors: cash for your gold, or quick cash before payday. Plus money transfer, a Bitcoin ATM and passport photos. Every cost shown before you commit.
Have gold to sell?
Free evaluation, no obligation to sell
Tested and weighed in front of you, priced on today's market rate. Cash or e-transfer, no maximum.
Need cash before payday?
$14 per $100 borrowed, the Ontario maximum
Borrow $100 to $1,500 until your next pay date. Apply online in about five minutes, or walk in.
- Licensed Ontario payday lenderLicence #4741042
- 4.8★ on Google200+ customer reviews
- Downtown Oshawa since 2019129 King St E, Unit 2
- Costs shown upfront$14 per $100, the Ontario maximum
Everything under one roof
Five services at one downtown counter, each with its cost explained before you say yes.
Cash for gold
Sell gold in any form, plus silver coins, for cash on the spot, tested in front of you.
Priced on the day's market rate
How gold pricing works
Payday loans
Borrow $100 to $1,500 until your next payday. Apply online or in store.
$14 per $100 borrowed, the Ontario maximum
See what a loan costs
Money transfer
Send money across Canada or worldwide with Western Union, Ria or MoneyGram.
Transfer fees quoted before you send
Send or receive money
Bitcoin ATM
Buy Bitcoin and other crypto with cash at the FastBTC machine inside our store.
Fees and limits shown on screen before you confirm
How the ATM works
Passport photos
Government-spec passport, PR, citizenship and visa photos in minutes. No appointment.
Free retake if a photo is rejected
Photo specs and retakes
Turn gold into cash while you watch
Rings, chains, coins, bars, dental gold, broken or tangled pieces, in any condition. We buy silver coins too. Bring photo ID, get a free evaluation, and decide with the number in front of you.
Tested in front of you
Purity checked and each piece weighed while you watch, so nothing leaves your sight.
Priced on today’s rate
Gold moves daily. Your offer uses the current market rate and we explain it line by line.
Paid your way, no maximum
Cash at the counter or Interac e-Transfer, whichever you prefer.
Free evaluation
Get a number, think it over, sell today or don’t. There’s no charge either way.
Get a payday loan in three steps
In store, most decisions happen during your visit. Online applications are reviewed during business hours, then paid out by e-Transfer or collected in store.
Apply online or walk in
Start the five-minute form from your phone, or visit us on King Street East. No appointment needed.
Show us your ID and pay details
Government photo ID, your latest paystub, proof of address and a void cheque or PAD form. We explain why we need each one.
Get your money
Cash in hand at the counter, or Interac e-Transfer once your agreement is signed. Repayment comes out on your next pay date.
Know the cost before you apply
Payday loans are a high-cost way to borrow. We show the full price up front so you can decide whether it's right for you, and Ontario law caps what we can charge.
Worked example
Borrow $300 for 14 days → repay $342
Cost of borrowing: $42 ($14 per $100). Annual percentage rate (APR): 365%. The same $14 per $100 applies to every payday loan we write. There is no application fee and no charge to cancel within two business days.
See all rates & fees- Cost of borrowing
- $42.00
- You repay
- $342.00
- Term
- 14 days
- APR
- 365%
Based on Ontario's maximum cost of borrowing of $14 per $100 on a 14-day term. Your term matches your next pay date; the cost per $100 stays the same. Loans are available from $100 to $1,500.
What Oshawa says about us
“If you're trying to decide where to go for Ria or MoneyGram services, this is the place to choose.”
“Overall, my experience with Payday Loan Direct was positive. I would highly recommend them to anyone in need of a short-term loan.”
“Offered the highest price in Durham for my old gold jewellery. The payday advance process was also quick and hassle-free.”
Visit us in downtown Oshawa
Walk-in service six days a week. Sell your gold, apply for a loan or send money. Most visits take minutes.
129 King St E, Unit 2Oshawa, ON L1H 1C2
Mon–Fri 10 AM–7 PM, Sat 10 AM–5 PM, Sun closed
- Monday – Friday
- 10:00 AM – 7:00 PM
- Saturday
- 10:00 AM – 5:00 PM
- Sunday
- Closed
Payday loan basics
How much can I borrow with a payday loan?
Between $100 and $1,500. Ontario law limits a payday loan to 50% of your net pay for the pay period, so the exact amount depends on your income. The loan is repaid on your next pay date.
What does a payday loan cost?
$14 for every $100 you borrow. That's the maximum Ontario allows and the only charge on a loan repaid on time. Borrow $300 and you repay $342; borrow $500 and you repay $570 (APR 365%). There is no application fee. See rates & fees.
How fast can I get the money?
In store, most decisions are made during your visit and you leave with cash. Online applications are reviewed during business hours; once your agreement is signed we pay out by Interac e-Transfer or you can collect cash in store.
What do I need to apply?
Government-issued photo ID, your most recent paystub, proof of address (a utility or phone bill) and a void cheque or pre-authorized debit form for the account your pay goes into. Full details are on the application page.
Do I need a bank account?
For a payday loan, yes. Your pay must be deposited into a Canadian bank account, and repayment is taken from that account on your pay date. Gold buying, money transfers and passport photos don't require an account at all.
Ready when you are
Apply online in a few minutes, call us at 905-436-0000, or walk in. We're at 129 King St E, Unit 2, Oshawa.