Payday Loans in Every Province & Territory
Payday lending is regulated province by province, so costs and rules differ across Canada. Choose your region to see local rate caps, eligibility, and the cities we serve.
13 Provinces & Territories Covered
Each region page outlines the maximum cost of borrowing, the local regulator, and links to city-level details.
Ontario
Maximum $15 per $100 borrowed under the Payday Loans Act.
View 185 citiesBritish Columbia
Maximum $15 per $100 borrowed under the Business Practices and Consumer Protection Act.
View 70 citiesAlberta
Maximum $15 per $100 borrowed with instalment repayment options.
View 61 citiesQuebec
Interest is capped at 35% APR, which effectively limits traditional payday lending.
View 173 citiesManitoba
Maximum $17 per $100 borrowed on the first loan advance.
View 28 citiesSaskatchewan
Maximum $17 per $100 borrowed under The Payday Loans Act.
View 22 citiesNova Scotia
Maximum $15 per $100 borrowed as set by the UARB.
View 54 citiesNew Brunswick
Maximum $15 per $100 borrowed under the Cost of Credit Disclosure and Payday Loans Act.
View 96 citiesNewfoundland and Labrador
Maximum $14 per $100 borrowed under provincial payday lending regulations.
View 27 citiesPrince Edward Island
Maximum $25 per $100 borrowed, among the highest permitted caps in Canada.
View 12 citiesYukon
Maximum $17 per $100 borrowed under Yukon consumer protection rules.
View 11 citiesNunavut
No dedicated payday loan cap; the federal criminal interest rate applies.
View 10 citiesNorthwest Territories
No dedicated payday loan cap; the federal criminal interest rate applies.
View 14 citiesReady when you are
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