Payday Loans New Brunswick – $100 to $1,500
Need cash before payday in New Brunswick? Get matched with a licensed NB lender in minutes. All credit considered, funds often by Interac e-Transfer, costs capped by New Brunswick law.
- Licensed New Brunswick lenders
- All credit considered
- Max $14 per $100 (capped)
- Funds by e-Transfer
Payday loans New Brunswick are small, short-term loans of $100 to $1,500 that you repay on your next payday. Get Payday Loans Canada connects you with licensed lenders serving New Brunswick, and the maximum you can be charged is set by provincial law.
We are not a lender. Get Payday Loans Canada is a free matching service that connects New Brunswick residents with licensed payday lenders. Your cost and terms are set by the lender within New Brunswick’s legal limits.
What Payday Loans Cost in New Brunswick
In New Brunswick, a payday lender can charge a maximum of $14 per $100 borrowed — the federal cap in force since January 1, 2025. Here’s what that looks like for a typical 14-day loan:
| Amount borrowed | Maximum cost (at $14 per $100) | Total to repay |
|---|---|---|
| $100 | $14 | $114 |
| $300 | $42 | $342 |
| $500 | $70 | $570 |
| $1,000 | $140 | $1150 |
A $300 payday loan at $14 per $100 for 14 days has an APR of roughly 365%. Caps can change – confirm the current New Brunswick maximum with your regulator or the Financial Consumer Agency of Canada.
Payday Loan Rules in New Brunswick
Payday loans in New Brunswick are provincially regulated on top of the federal $14-per-$100 cost cap — these are the protections every licensed lender in the province must honour.
- Maximum cost: $14 per $100 borrowed.
- Maximum loan: up to $1,500 (lenders often limit first loans to 50% of your net pay).
- Cooling-off period: you can usually cancel within 48 hours at no cost.
- Regulator: payday lenders must be licensed by the Financial and Consumer Services Commission of New Brunswick (FCNB).
- Rollovers: taking a new payday loan to pay off another is restricted to protect borrowers.
You can read the official rules from New Brunswick’s regulator.
How to Get a Payday Loan in New Brunswick
Getting a payday loan in New Brunswick takes about five minutes online: apply, verify your income with a 60-second IBV check, review the disclosed cost of borrowing, and e-sign to receive funds by Interac e-Transfer.
- Apply online with your amount ($100-$1,500) and income details.
- Get matched with a licensed New Brunswick lender.
- Verify income with IBV – a secure, read-only, 60-second bank connection that doesn’t affect your credit score.
- Get funded – review your cost of borrowing, e-sign, and receive funds, often by e-Transfer the same business day.
Who Qualifies in New Brunswick
Most working New Brunswick residents qualify: the age of majority, steady full-time or part-time employment income, and a Canadian bank account for the IBV income check.
- Age of majority (18+ in New Brunswick) and a New Brunswick resident
- A steady source of income
- An active Canadian bank account
- A valid email and phone number
Approval is based mainly on income, so all credit types are considered.
Payday Loans Across New Brunswick
We connect borrowers with licensed lenders in communities across New Brunswick, including Fredericton, Moncton, Saint John, Dieppe, Miramichi.
- FrederictonPayday loans
- MonctonPayday loans
- Saint JohnPayday loans
- DieppePayday loans
- MiramichiPayday loans
Payday loans are available across New Brunswick — the same cost cap, licensing rules, and online application apply provincewide.
Payday Loans New Brunswick FAQs
How much can I borrow in New Brunswick?
Payday loans New Brunswick range from $100 to $1,500. Many first loans are limited to about half your net pay.
What’s the most a lender can charge in New Brunswick?
The legal maximum is $14 per $100 borrowed. Always review the total cost of borrowing before signing.
Can I get one with bad credit in New Brunswick?
Yes. Lenders consider all credit types because approval is based mainly on your income, confirmed through Instant Bank Verification.
How soon can I get funded in New Brunswick?
Many New Brunswick borrowers are approved within minutes and funded by Interac e-Transfer the same business day.
Apply for a Payday Loan in New Brunswick
The payday loans New Brunswick lenders we work with respond in minutes – and checking your options won’t affect your credit score.
Related Payday Loan Options
About the Author
Get Payday Loans Canada is a loan-matching service, not a lender, and does not make credit decisions or fund loans. Payday loans are short-term, high-cost credit regulated in New Brunswick; the maximum cost of borrowing is $14 per $100 borrowed and is subject to change. Example: a $300 loan at $14 per $100 for 14 days costs $42. 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.