Payday Loans in Every Province & Territory
Payday lending is regulated region by region, so costs and rules vary from coast to coast. Pick your province or territory to see local rate caps, eligibility, and the cities we serve.
13 Provinces & Territories Covered
Every region page sets out 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.
Explore 42 citiesQuebec
Interest is capped at 35% APR, which effectively limits traditional payday lending.
Explore 19 citiesBritish Columbia
Maximum $15 per $100 borrowed under the Business Practices and Consumer Protection Act.
Explore 19 citiesAlberta
Maximum $15 per $100 borrowed with instalment repayment options.
Explore 10 citiesManitoba
Maximum $17 per $100 borrowed on the first loan advance.
Explore 1 citiesSaskatchewan
Maximum $17 per $100 borrowed under The Payday Loans Act.
Explore 2 citiesNova Scotia
Maximum $15 per $100 borrowed as set by the UARB.
Explore 2 citiesNew Brunswick
Maximum $15 per $100 borrowed under the Cost of Credit Disclosure and Payday Loans Act.
Explore 3 citiesNewfoundland and Labrador
Maximum $14 per $100 borrowed under provincial payday lending regulations.
Explore 1 citiesPrince Edward Island
Maximum $25 per $100 borrowed, among the highest permitted caps in Canada.
Explore 0 citiesYukon
Maximum $17 per $100 borrowed under Yukon consumer protection rules.
Explore 0 citiesNunavut
No dedicated payday loan cap; the federal criminal interest rate applies.
Explore 0 citiesNorthwest Territories
No dedicated payday loan cap; the federal criminal interest rate applies.
Explore 0 citiesReady when you are
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