Before you start
Sometimes it’s tough to figure out the best way to borrow money, so we’re here to guide you through the process. Let’s figure out what you need, what kind of payments you can take on and your best borrowing options.
Please confirm that:
  • You are an Ontario resident and are 18 years of age or older
  • You give us authorization to validate your identity
  • You are opening this account for yourself and not a third party
  • You agree to open a share account if you are not already a member
  • You have a minimum annual income of $15,000 and have not recently claimed bankruptcy or consumer proposal
  • You understand that cosigners will need to complete a separate application
  • You have read and accept the First Ontario
  • You have read and accept the First Ontario
    If you are interested in applying for a joint account, please call our Member Services Centre at 1-800-616-8878 or visit a branch.
    A few things you will need are...
    Proof of income
    A combination of a recent pay stub, letter of employment, T4 or notice of assessment
    Housing information
    Rent details or mortgage documents
    Full employment details
    Current and previous employer information