{"id":55,"date":"2026-05-20T03:10:12","date_gmt":"2026-05-20T03:10:12","guid":{"rendered":"https:\/\/cashpicks.ca\/blog\/?p=55"},"modified":"2026-06-17T03:56:52","modified_gmt":"2026-06-17T03:56:52","slug":"payday-loan-rules-by-province","status":"publish","type":"post","link":"https:\/\/cashpicks.ca\/blog\/payday-loan-rules-by-province\/","title":{"rendered":"Payday Loan Rules by Province in Canada"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Knowing the&nbsp;<strong>payday loan rules by province<\/strong>&nbsp;tells you three things fast: how much a loan can cost, how much you can borrow, and what rights protect you if things go sideways. Since 1 January 2025, one federal cap now applies right across Canada. However, each province still adds its own protections on top. So before you sign anything, it helps to know exactly what applies where you live. Below, we break down the payday loan rules by province, starting with Ontario, British Columbia, Alberta, and Manitoba. Quick note: CashPicks is an independent comparison platform, not a lender.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The one rule that now applies across Canada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">First, the big change. As of 1 January 2025, federal law caps the cost of a payday loan at&nbsp;<strong>$14 for every $100 borrowed<\/strong>, and that cap covers every fee combined. This came in through the federal&nbsp;<a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/loans\/payday-loans.html\" target=\"_blank\" rel=\"noreferrer noopener\">Criminal Interest Rate Regulations<\/a>, and it replaced the older, higher provincial rates such as $15 or $17 per $100.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A few limits go hand in hand with that cap. For example, the most you can borrow is generally&nbsp;<strong>$1,500<\/strong>, and the loan must be repaid within&nbsp;<strong>62 days<\/strong>. In addition, a lender can charge no more than $20 if your payment bounces. So a $300 loan costs at most $42, while a $500 loan costs at most $70.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Payday loan rules by province at a glance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s how the payday loan rules by province compare side by side. The cost cap is now the same wherever payday loans are offered, so the real differences sit in the extra protections each province adds.<\/p>\n\n\n\n<div class=\"cp-rules\">\n  <style>\n    .cp-rules{--p:#6907f1;--pd:#4d05b0;--g:#1a9a4a;--gbg:#e8fbf0;--ink:#0f0a1f;--soft:#faf9ff;--line:#ece9f4;--mute:#7a748f;\n      font-family:'Jokker',system-ui,-apple-system,sans-serif;max-width:860px;margin:28px auto;}\n    .cp-rules-cap{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:var(--p);margin-bottom:10px;}\n    .cp-rules-wrap{border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:0 16px 40px rgba(15,10,31,.07);background:#fff;}\n    .cp-rules table{width:100%;border-collapse:collapse;font-size:.96rem;}\n    .cp-rules thead th{background:var(--ink);color:#fff;text-align:left;font-size:.74rem;text-transform:uppercase;\n      letter-spacing:.6px;font-weight:700;padding:15px 18px;}\n    .cp-rules tbody td{padding:16px 18px;border-top:1px solid var(--line);color:var(--mute);vertical-align:middle;}\n    .cp-rules tbody tr:nth-child(even){background:var(--soft);}\n    .cp-rules tbody tr:hover{background:#f3eeff;}\n    .cp-rules .prov{font-weight:700;color:var(--ink);font-size:1rem;}\n    .cp-rules .cost{display:inline-block;font-weight:800;font-size:.86rem;color:var(--g);background:var(--gbg);\n      padding:5px 12px;border-radius:999px;white-space:nowrap;}\n    .cp-rules .max{font-weight:700;color:var(--ink);}\n    .cp-rules tr.off .prov,.cp-rules tr.off .max{color:var(--mute);}\n    .cp-rules tr.off .cost{color:var(--mute);background:var(--line);}\n    .cp-rules-note{font-size:.8rem;color:var(--mute);text-align:center;margin-top:12px;line-height:1.55;}\n\n    \/* Mobile -> stacked cards *\/\n    @media(max-width:600px){\n      .cp-rules thead{display:none;}\n      .cp-rules tbody tr{display:block;border-top:1px solid var(--line);padding:14px 16px;}\n      .cp-rules tbody tr:first-child{border-top:none;}\n      .cp-rules tbody td{display:flex;justify-content:space-between;gap:14px;padding:6px 0;border:none;text-align:right;}\n      .cp-rules tbody td::before{content:attr(data-label);font-weight:700;color:var(--ink);text-align:left;\n        text-transform:uppercase;font-size:.7rem;letter-spacing:.5px;align-self:center;}\n      .cp-rules .prov{font-size:1.1rem;}\n      .cp-rules td.prov-cell{padding-bottom:8px;}\n      .cp-rules td.prov-cell::before{display:none;}\n    }\n  <\/style>\n\n  <div class=\"cp-rules-cap\">Payday loan rules by province in Canada. Always confirm current limits with your provincial regulator.<\/div>\n  <div class=\"cp-rules-wrap\">\n    <table>\n      <thead>\n        <tr><th>Province<\/th><th>Max cost<\/th><th>Max loan<\/th><th>Key extra rule<\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td class=\"prov-cell\" data-label=\"Province\"><span class=\"prov\">Ontario<\/span><\/td>\n          <td data-label=\"Max cost\"><span class=\"cost\">$14 \/ $100<\/span><\/td>\n          <td data-label=\"Max loan\"><span class=\"max\">$1,500<\/span><\/td>\n          <td data-label=\"Key rule\">No new loan until the current one is repaid<\/td>\n        <\/tr>\n        <tr>\n          <td class=\"prov-cell\" data-label=\"Province\"><span class=\"prov\">British Columbia<\/span><\/td>\n          <td data-label=\"Max cost\"><span class=\"cost\">$14 \/ $100<\/span><\/td>\n          <td data-label=\"Max loan\"><span class=\"max\">$1,500<\/span><\/td>\n          <td data-label=\"Key rule\">Two-business-day cooling-off period<\/td>\n        <\/tr>\n        <tr>\n          <td class=\"prov-cell\" data-label=\"Province\"><span class=\"prov\">Alberta<\/span><\/td>\n          <td data-label=\"Max cost\"><span class=\"cost\">$14 \/ $100<\/span><\/td>\n          <td data-label=\"Max loan\"><span class=\"max\">$1,500<\/span><\/td>\n          <td data-label=\"Key rule\">Instalment option on loans over $300<\/td>\n        <\/tr>\n        <tr>\n          <td class=\"prov-cell\" data-label=\"Province\"><span class=\"prov\">Manitoba<\/span><\/td>\n          <td data-label=\"Max cost\"><span class=\"cost\">$14 \/ $100<\/span><\/td>\n          <td data-label=\"Max loan\"><span class=\"max\">$1,500<\/span><\/td>\n          <td data-label=\"Key rule\">48-hour cancel; max 30% of net pay<\/td>\n        <\/tr>\n        <tr>\n          <td class=\"prov-cell\" data-label=\"Province\"><span class=\"prov\">Saskatchewan<\/span><\/td>\n          <td data-label=\"Max cost\"><span class=\"cost\">$14 \/ $100<\/span><\/td>\n          <td data-label=\"Max loan\"><span class=\"max\">$1,500<\/span><\/td>\n          <td data-label=\"Key rule\">Licensed lenders; cooling-off applies<\/td>\n        <\/tr>\n        <tr class=\"off\">\n          <td class=\"prov-cell\" data-label=\"Province\"><span class=\"prov\">Quebec<\/span><\/td>\n          <td data-label=\"Max cost\"><span class=\"cost\">Not offered<\/span><\/td>\n          <td data-label=\"Max loan\"><span class=\"max\">\u2014<\/span><\/td>\n          <td data-label=\"Key rule\">35% APR cap; payday loans not available<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n  <p class=\"cp-rules-note\">Figures are current maximums and can change. Always confirm with your provincial regulator. CashPicks is not a lender.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Payday loan rules in Ontario<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Ontario, a payday loan can cost up to $14 per $100, and the loan is capped at $1,500. Importantly, you can&#8217;t take out a new payday loan until you&#8217;ve repaid the current one. Borrowing is also limited to 50% of your net pay, so the amount you qualify for depends on your income. If a payment bounces, the lender can charge a one-time fee of up to $20. You can read the official details on the&nbsp;<a href=\"https:\/\/www.ontario.ca\/page\/payday-loan-your-rights\" target=\"_blank\" rel=\"noreferrer noopener\">Ontario government&#8217;s payday loan page<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Payday loan rules in British Columbia<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">British Columbia follows the same $14 per $100 cost cap and the $1,500 limit. However, BC also gives you a two-business-day cooling-off period. That means you can cancel a payday loan within two business days at no cost, even after you&#8217;ve signed. As in Ontario, you can borrow up to 50% of your net pay. To confirm a lender&#8217;s licence, check&nbsp;<a href=\"https:\/\/www.consumerprotectionbc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Consumer Protection BC<\/a>&nbsp;before you share any personal details.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Payday loan rules in Alberta<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alberta also sits at $14 per $100 now, down from the old $15 rate. Beyond the cost cap, Alberta has a useful protection: for loans over $300, the lender must offer an instalment plan with at least 42 days to repay. As a result, borrowers get more breathing room than a single lump-sum due date. For more, see the federal&nbsp;<a href=\"https:\/\/ised-isde.canada.ca\/site\/office-consumer-affairs\/en\/money-debt-and-giving\/payday-lending-find-information-you-need\" target=\"_blank\" rel=\"noreferrer noopener\">Office of Consumer Affairs payday lending hub<\/a>, which links to each province&#8217;s regulator.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Payday loan rules in Manitoba<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Manitoba historically had some of the strictest rules, and that spirit continues. The cost is capped at $14 per $100, and you can cancel within 48 hours of signing. On top of that, you can borrow no more than 30% of your net pay, and you can hold only one payday loan at a time. The loan agreement must also show every fee, the total cost of credit, the APR, and the due date. The&nbsp;<a href=\"https:\/\/www.gov.mb.ca\/consumerinfo\/initiatives\/money-matters\/payday-loan-regulations.html\" target=\"_blank\" rel=\"noreferrer noopener\">Manitoba Consumer Protection Office<\/a>&nbsp;explains your rights in full.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The rest of Canada, in brief<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The other provinces and territories follow the same $14 per $100 cost cap where payday loans are offered. Still, a few details vary. New Brunswick limits borrowing to 30% of net pay, while Newfoundland and Labrador uses the 50% figure. Saskatchewan, Nova Scotia, and Prince Edward Island require provincial licensing, disclosure, and a cooling-off period, and they generally ban rollovers. The territories follow the federal cap, though dedicated rules are thinner, so confirming the licence matters even more there.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quebec is the clear exception. Because Quebec applies a 35% annual rate cap, traditional payday lending is effectively not offered in the province at all.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to check a payday lender is licensed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Wherever you live, the safest first step is the same: confirm the lender holds a licence in your province. Every legitimate payday lender must be licensed and should display its registration clearly. Meanwhile, be cautious with phrases like &#8220;guaranteed approval&#8221; or &#8220;no refusal.&#8221; In reality, no regulated lender in Canada can promise to approve everyone, so those phrases are marketing rather than a promise. To weigh your options, you can&nbsp;<a href=\"\/\">compare licensed lenders on CashPicks<\/a>&nbsp;before you apply.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Borrow responsibly<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Payday loans can help in a genuine pinch. Even so, they&#8217;re an expensive way to borrow, and the short repayment window is tight. Borrowing again to cover a previous loan is how people get stuck. So before you commit, try our&nbsp;<a href=\"\/calculator.html\">payday loan calculator<\/a>&nbsp;to see the real cost, and read our&nbsp;<a href=\"\/responsible-borrowing.html\">responsible borrowing guide<\/a>&nbsp;for cheaper alternatives. If debt already feels heavy, free, confidential help is available from Credit Counselling Canada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom line<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In short, the payday loan rules by province now share one cost ceiling, while each province layers on its own protections around cancellation, repayment, and how much you can borrow. So check the rules where you live, confirm the lender is licensed, and compare your options before you sign. When you&#8217;re ready,&nbsp;<a href=\"\/\">compare licensed lenders on CashPicks<\/a>&nbsp;to see what fits your situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-a52060e8 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\\\/\\\/cashpicks.ca\\\/blog\\\/payday-loan-rules-by-province\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the maximum payday loan cost in Canada now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The cost is capped at $14 for every $100 borrowed, and that cap includes all fees. So a $300 loan costs at most $42, and a $500 loan costs at most $70. Some lenders charge less, so it pays to compare.\"}},{\"@type\":\"Question\",\"name\":\"Do payday loan rules differ by province?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The cost cap is now the same nationwide, but the extra rules differ. For example, Ontario blocks a second loan until the first is repaid, BC gives a two-day cooling-off period, and Manitoba caps borrowing at 30% of your net pay. That's why it helps to check the payday loan rules by province.\"}},{\"@type\":\"Question\",\"name\":\"How much can I borrow with a payday loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The legal maximum is $1,500 in every province that allows payday loans. However, your province may also cap the amount at a share of your net pay, and individual lenders often set their own lower limits. As a result, the amount you actually qualify for depends on your income and the lender.\"}},{\"@type\":\"Question\",\"name\":\"Are payday loans legal in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Payday loans are legal in most of Canada, but Quebec is different. Because Quebec enforces a 35% annual interest cap, payday lenders generally don't operate there. Residents usually turn to credit unions, instalment loans, or other lower-cost options instead.\"}},{\"@type\":\"Question\",\"name\":\"What happens if I can't repay on time?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If a payment bounces, the lender can charge a one-time fee of up to $20, and your bank may add its own NSF charge. Contact the lender before the due date if you expect a shortfall, since many will discuss options. Avoid taking a new loan just to cover the old one.\"}},{\"@type\":\"Question\",\"name\":\"Can a lender charge me more than $14 per $100?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Charging more than $14 per $100 would push the lender past the federal cost cap, which is not allowed in regulated provinces. If a lender quotes more than that, treat it as a warning sign and confirm the licence with your provincial regulator.\"}}]}<\/script><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-c253db50 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is the maximum payday loan cost in Canada now?<\/span><\/div><div class=\"uagb-faq-content\"><p>The cost is capped at $14 for every $100 borrowed, and that cap includes all fees. So a $300 loan costs at most $42, and a $500 loan costs at most $70. Some lenders charge less, so it pays to compare.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-82f77443 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Do payday loan rules differ by province?<\/span><\/div><div class=\"uagb-faq-content\"><p>The cost cap is now the same nationwide, but the extra rules differ. For example, Ontario blocks a second loan until the first is repaid, BC gives a two-day cooling-off period, and Manitoba caps borrowing at 30% of your net pay. That&#8217;s why it helps to check the payday loan rules by province.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-89b4ebfb \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How much can I borrow with a payday loan?<\/span><\/div><div class=\"uagb-faq-content\"><p>The legal maximum is $1,500 in every province that allows payday loans. However, your province may also cap the amount at a share of your net pay, and individual lenders often set their own lower limits. As a result, the amount you actually qualify for depends on your income and the lender.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f957c813 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Are payday loans legal in Quebec?<\/span><\/div><div class=\"uagb-faq-content\"><p>Payday loans are legal in most of Canada, but Quebec is different. Because Quebec enforces a 35% annual interest cap, payday lenders generally don&#8217;t operate there. Residents usually turn to credit unions, instalment loans, or other lower-cost options instead.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-25c2336d \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What happens if I can&#8217;t repay on time?<\/span><\/div><div class=\"uagb-faq-content\"><p>If a payment bounces, the lender can charge a one-time fee of up to $20, and your bank may add its own NSF charge. Contact the lender before the due date if you expect a shortfall, since many will discuss options. Avoid taking a new loan just to cover the old one.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-c628d141 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Can a lender charge me more than $14 per $100?<\/span><\/div><div class=\"uagb-faq-content\"><p>No. Charging more than $14 per $100 would push the lender past the federal cost cap, which is not allowed in regulated provinces. If a lender quotes more than that, treat it as a warning sign and confirm the licence with your provincial regulator.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Knowing the&nbsp;payday loan rules by province&nbsp;tells you three things fast: how much a loan can cost, how much you can borrow, and what rights protect you if things go sideways. 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