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Cash Now Mountain: Payday Loans in Hamilton

Cash Now Mountain has more than a decade of experience helping Hamilton residents meet temporary short-term borrowing needs. We provide our clients with financial assistance in the form of payday loans and cash advances at the best rates around. If you’re faced with an emergency shortage of funds, or need assistance paying a bill or unexpected repair, call us today.

Best Rates in Town

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Competitive rates

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At Cash Now Mountain, we make the lending process as hassle-free as possible. We understand that your circumstances can change at a moment’s notice—we endeavour to provide you with a fast and friendly lending experience that meets your needs. Here is what you need to know before visiting the store:

  • We require direct deposit to receive a payday loan
  • We require proof of employment for a period of 8 months
  • We require a personal cheque with your name on it

Visit Us

833 Upper James St. (Rear)

Hamilton, ON L9C 3A3


Business Hours

Monday - Friday 10:00 AM - 6:00 PM

Saturday : 12:00 PM - 3:00 PM

Sunday: Closed


Our Loan Terms

Licensed by the Ministry of Consumer Services, we abide by all laws set forth in Ontario’s Payday Loans Act of 2008. Our loan fees are $15 for every $100 borrowed, all applicable fees included. We welcome seniors to contact us about their short-term lending needs.

Terms & Conditions

Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency, which could impact your credit score. In accordance with government regulations, your loan must be paid in full by the due date and may not be extended, refinanced or rolled over. Regular Payment Terms available from 0-30 days. In the event that any payment cheques or electronic payments are not honored by your financial institution a $50.00 NSF charge will be applied. Payment of $15 C.O.B per hundred applies to loans paid on due date for customers in good standing. After due date of the payday loan agreement the rate will revert to $21.00 for each $100. For delinquent clients, you have 61 days to pay your loan in full before legal action may be taken. You may cancel the payday loan contract with no fees by providing payment of the loan in full up to 2 days from date of the signed contract. Payday Loans are high-cost loans. Loan amounts are subject to net pay and other qualification requirements. The maximum allowable cost of borrowing under payday loan agreements is $21 per each $100 advanced. The cost of borrowing at Cash Now Mountain is $15 per each $100 advanced. On a $300 loan for 14 days, the cost of borrowing is $45, with a total payback amount of $345. Upon default, the borrower will be responsible for all reasonable costs incurred to recover the loan in full. Any amounts owing after the specified due date will be subject to interest charges at 34% per annum. Payday advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counselling. Terms & Conditions as per the PayDay Loans Act 2008 licensed under the Ministry of Government and Consumer Services for Ontario.

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