Payday loan guides for Canadians

Plain-language guides on payday loan costs, provincial rules, credit and safer ways to borrow, kept up to date as Canadian rules change.

Latest guides

Latest guide

Payday Loan Rules by Province in Canada (2026)

Since January 1, 2025, one federal cost cap applies to payday loans across Canada, and each province adds its own protections on top.

See what a payday loan would cost

Use the calculator to see the most you could repay under the federal $14 per $100 cap, before you apply.