Get a payday loan in Kingston, Ontario
SkyCap Financial
Rating: 4.6(1768)1020 Bayridge Dr Ste 104, Kingston, ON K7P 2S2, Kingston, Ontario, K7P 2S2
What you can do at SkyCap Financial
Payday loans here
SkyCap Financial offers short-term payday loans — cash advances repaid on your next payday.
Personal loans here
SkyCap Financial offers personal loans — for consolidation, emergencies or a major purchase.
Home equity lending here
SkyCap Financial offers home equity lines of credit and equity loans against your home.
Mortgages here
SkyCap Financial arranges mortgages — purchases, renewals, refinances and private options.
Other services
- Personal loans
- Car loans
- Second mortgages
What to expect on cost
Typical APR ranges for the kinds of lending this business does.
- Payday advance
- typically 300–600% APR
- Mortgage
- typically 4–13% APR
Why this range
Fast approval
Built for speed — fast approvals, minimal paperwork, and funding that can land the same day (often by e-Transfer). The higher rate is the price of that speed and of lending to more credit profiles; it covers the lender's default risk. For someone who needs money now or has been turned down elsewhere, that trade-off is the whole point.
Balanced
A middle ground — reasonable approval times with rates well below fast-cash lenders. Credit unions and dealer financing sit here: they weigh your full profile, so approval isn't instant, but the cost is fairer. Expect a solid rate in exchange for a bit more documentation.
Lowest rate
Lowest rates from banks, A-lenders and mortgage brokers — priced for strong credit and full documentation. In return they may want income verification, a solid score, and a longer approval process. The model works because it lends large amounts at a thin spread to lower-risk borrowers.
These are general expectations based on typical industry practices and provincial norms — not an offer or an evaluation of this specific business. Actual rates depend on your credit, income, the amount and term, the product, and the day. Always confirm directly and read the agreement.
What we checked
We categorize each listing against a fixed rubric. Here's what qualified this business, with the evidence behind each match.
- Very strong match · 95%
Personal loans
Loan typeA bank, credit union, or alternative lender offering unsecured (or secured) personal loans for consolidation, emergencies, or a major purchase, repaid over time.
Browse personal loans nearby - Browse personal loans · debt consolidation nearbyVery strong match · 95%
Personal loans · Debt consolidation
Offers debt consolidationSpecialty - Very strong match · 90%
Installment loans
Loan typeAn alternative consumer lender offering installment loans repaid in fixed payments over months, typically to near- or subprime borrowers.
Browse installment loans nearby - Very strong match · 90%
Car loans
Loan typeA dealership, bank, or specialist auto lender that finances the purchase of a car or truck — new, used, refinancing, or subprime/credit-rebuilding.
Browse car loans nearby - Very strong match · 90%
Mortgages
Loan typeA mortgage broker or lender arranging home financing — purchases, renewals, refinances, HELOCs, private/B-lender, or reverse mortgages.
Browse mortgages nearby - Very strong match · 90%
Installment / alt lender
Lender typeAn alternative consumer lender offering personal or installment loans with fixed payments over time, typically to near- or subprime borrowers.
Browse installment / alt lender nearby - Browse personal loans · unsecured personal nearbyVery strong match · 90%
Personal loans · Unsecured personal
Offers unsecured personalSpecialty - Browse heloc & home equity · second mortgage nearbyVery strong match · 90%
HELOC & home equity · Second mortgage
Offers second mortgageSpecialty - Browse mortgages · auto refinancing nearbyVery strong match · 90%
Mortgages · Auto refinancing
Offers auto refinancingSpecialty - Very strong match · 85%
Payday loans
Loan typeA licensed lender offering short-term, small-dollar cash advances repaid on the borrower's next payday — in-store, online, or funded by Interac e-Transfer.
Browse payday loans nearby - Very strong match · 85%
HELOC & home equity
Loan typeA lender or broker offering borrowing against home equity — a home equity line of credit (HELOC), an equity loan, or a second mortgage.
Browse heloc & home equity nearby - Very strong match · 85%
Mortgage broker
Lender typeA licensed mortgage broker or agent that shops multiple lenders to arrange a mortgage for the borrower.
Browse mortgage broker nearby - Very strong match · 85%
Finance company
Lender typeA consumer or sales finance company offering installment loans, retail financing, or point-of-sale credit outside the banking system.
Browse finance company nearby - Browse heloc & home equity · home equity loan nearbyVery strong match · 85%
HELOC & home equity · Home equity loan
Offers home equity loanSpecialty - Browse mortgages · purchase nearbyVery strong match · 85%
Mortgages · Purchase
Offers purchaseSpecialty - Strong match · 80%
Payday lender
Lender typeA licensed short-term lender whose core product is small-dollar payday loans / cash advances (often with cheque-cashing).
Browse payday lender nearby - Browse payday loans · cash advance nearbyStrong match · 80%
Payday loans · Cash advance
Offers cash advanceSpecialty - Browse installment loans · short-term installment nearbyStrong match · 80%
Installment loans · Short-term installment
Offers short-term installmentSpecialty - Browse car loans · subprime / rebuild nearbyStrong match · 80%
Car loans · Subprime / rebuild
Offers subprime / rebuildSpecialty - Browse heloc & home equity · personal line of credit nearbyStrong match · 80%
HELOC & home equity · Personal line of credit
Offers personal line of creditSpecialty - Strong match · 75%
B-lender
Lender typeAn alternative (B) lender offering mortgages and loans to borrowers who don't meet prime bank criteria, at higher rates.
Browse b-lender nearby - Browse payday loans · e-transfer payday nearbyStrong match · 75%
Payday loans · E-Transfer payday
Offers e-transfer paydaySpecialty - Browse car loans · new car financing nearbyStrong match · 75%
Car loans · New car financing
Offers new car financingSpecialty - Browse car loans · used car financing nearbyStrong match · 75%
Car loans · Used car financing
Offers used car financingSpecialty
Frequently asked questions
Does SkyCap Financial buy gold?
Yes. SkyCap Financial in Kingston operates as payday lender, installment / alt lender, mortgage broker, B-lender and finance company, so you can sell your gold there. Call ahead to confirm the day's payout before visiting.
What gold specialties does SkyCap Financial handle?
SkyCap Financial works with cash advance, E-Transfer payday, unsecured personal, debt consolidation, short-term installment, new car financing, used car financing, subprime / rebuild, personal line of credit, home equity loan, second mortgage, purchase and auto refinancing. That's what sets it apart from other gold shops in Kingston.
What gold amountBands does SkyCap Financial accept?
Valuations cover Under $1,000, $25,000+ and $1,000–$5,000. A higher karat is a larger share of pure gold, which raises the per-gram payout.
Is SkyCap Financial reputable?
SkyCap Financial holds a 4.6-out-of-5 rating from 1768 Google reviews, a useful gauge before you sell.
Is SkyCap Financial wheelchair accessible?
Yes — this location is listed as wheelchair accessible.
How do I contact SkyCap Financial?
SkyCap Financial is located at 1020 Bayridge Dr Ste 104, Kingston, ON K7P 2S2 and reachable at +1 877-924-4557.
What are the alternatives to SkyCap Financial for cash advance near Kingston?
The nearest comparable options that also handle cash advance are Cash 4 You (65.3 km), Cash 4 You (79.7 km) and BHM Financial Group (144.4 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to SkyCap Financial for E-Transfer payday near Kingston?
The nearest comparable options that also handle E-Transfer payday are Cash 4 You (65.3 km), Cash 4 You (79.7 km) and Payday Loan , Cash for Gold - PAYDAY LOAN DIRECT (186.2 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to SkyCap Financial for unsecured personal near Kingston?
The nearest comparable options that also handle unsecured personal are BMO Bank of Montreal (64.7 km), Fairstone (65.1 km) and Cash 4 You (65.3 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to SkyCap Financial for debt consolidation near Kingston?
The nearest comparable options that also handle debt consolidation are BMO Bank of Montreal (64.7 km), Fairstone (65.1 km) and Cash 4 You (65.3 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to SkyCap Financial for short-term installment near Kingston?
The nearest comparable options that also handle short-term installment are Cash 4 You (65.3 km), Cash 4 You (79.7 km) and BHM Financial Group (144.4 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to SkyCap Financial for new car financing near Kingston?
The nearest comparable options that also handle new car financing are Get Approved Canada (140.4 km), TD Branch and ATM (227.7 km) and The Loan Arranger (247.7 km). Comparing two or three quotes close by is the best way to land a fair price.
Standard hours
Hours not available- Monday
- 8 a.m. – 10 p.m.
- Tuesday
- 8 a.m. – 10 p.m.
- Wednesday
- 8 a.m. – 10 p.m.
- Thursday
- 8 a.m. – 10 p.m.
- Friday
- 8 a.m. – 10 p.m.
- Saturday
- 9 a.m. – 8 p.m.
- Sunday
- 9 a.m. – 8 p.m.
Standard weekly hours, shown in the branch's local time. Holiday and special hours aren't reflected — call ahead to confirm.