Online Payday Loans in Canada — Every Province & Territory
Get matched with a licensed payday lender wherever you live in Canada. Choose your province or territory below for local rules, costs, and how to apply for $100 to $1,500.
- Coverage coast to coast
- Licensed Canadian lenders
- All credit considered
- Funds by e-Transfer
Online payday loans in Canada let you borrow a small amount — $100 to $1,500 — and repay it on your next payday, all without leaving home. Get Payday Loans Canada is a free service that matches you with licensed lenders in your province, so you can compare a real offer in minutes.
Rules differ by province. The maximum a lender can charge, cooling-off periods, and repayment terms are all set provincially. Pick your province below for the details that apply to you.
Choose Your Province or Territory
Each page covers local costs, eligibility, and how to apply where you live.
- OntarioMax $15 per $100
- British ColumbiaMax $15 per $100
- AlbertaMax $15 per $100
- Quebec≈35% APR cap — alternatives
- ManitobaMax $17 per $100
- SaskatchewanMax $17 per $100
- Nova ScotiaMax $15 per $100
- New BrunswickMax $15 per $100
- Newfoundland & LabradorMax $14 per $100
- Prince Edward IslandMax $15 per $100
- YukonTerritory — federal rules
- Northwest TerritoriesTerritory — federal rules
- NunavutTerritory — federal rules
What Online Payday Loans Cost by Province
Payday loan costs are capped per province and shown as a maximum dollar amount per $100 borrowed. Always check the total cost of borrowing before you sign.
| Province / Territory | Maximum cost per $100 borrowed |
|---|---|
| Newfoundland & Labrador | $14 (lowest in Canada) |
| Ontario, BC, Alberta, Nova Scotia, New Brunswick, PEI | $15 |
| Manitoba, Saskatchewan | $17 |
| Quebec | No payday model (≈35% APR cap) |
| Yukon / NWT / Nunavut | No payday-specific cap |
Quebec caps consumer credit at about 35% APR, so traditional payday loans aren’t offered there — see the Quebec page for safer alternatives. Caps change over time; confirm current rates with your provincial regulator or the Financial Consumer Agency of Canada.
How Online Payday Loans Work
- Apply online. One short form — your province, amount ($100–$1,500), and income.
- Get matched. We connect you with a licensed lender that serves your province.
- Verify income with IBV. A secure, read-only, 60-second bank connection confirms your income without affecting your credit score.
- Get funded. Review your cost of borrowing, e-sign, and receive funds — often by Interac e-Transfer the same day.
Who Can Get an Online Payday Loan?
- You’re the age of majority in your province or territory
- You have a steady source of income
- You have an active Canadian bank account
- You’re a Canadian resident with a valid email and phone
Approval is based mainly on your income, so all credit types are considered — including bad or limited credit.
Online Payday Loan FAQs
Are online payday loans available across Canada?
Yes, in every province and the territories — though Quebec’s rules effectively replace payday loans with lower-cost credit options. Choose your province above for what applies to you.
How much do online payday loans cost?
Cost is capped per province, from $14 per $100 in Newfoundland & Labrador to $17 per $100 in Manitoba and Saskatchewan. Always review the full cost of borrowing before signing.
How fast can I get funded online?
Many applicants are approved within minutes and funded by Interac e-Transfer the same day when they apply on a business day and verify income with IBV.
Can I get one with bad credit?
Yes. Lenders in our network consider all credit types because approval is based mainly on your income, confirmed through Instant Bank Verification.
Apply Online Today
Pick your province above, or start your application now and we’ll match you with a licensed lender near you.
About the Author
Get Payday Loans Canada is a loan-matching service, not a lender or broker, and does not make credit decisions or fund loans. Payday loans are short-term, high-cost credit regulated by each province; the maximum cost of borrowing is set provincially. Example: a $300 payday loan at $15 per $100 borrowed for 14 days costs $45, an APR of about 391%. Borrow only what you can repay on your next payday and consider lower-cost alternatives first. Approval is not guaranteed and depends on the lender’s criteria.