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We publish information and list lenders. Approval, rates and terms are decided by each licensed lender and depend on your province.
Independent · Canada-wide · Not a lender
Online payday loans in Canada, compared, costed and licence-checked.
Public Cash Services helps you research licensed payday and personal loan providers by province and city. See what borrowing really costs, confirm a lender’s licence, and look at cheaper options before you decide.
- Cost shown in dollars first
- Licence status on every listing
- Alternatives beside every loan
Fast cash is easy to find. Fair cash takes a minute more.
We say how we’re paid
Some listings are paid placements and some links earn us a commission. They are labelled, and payment never changes a rating. Read the disclosure.
We cite the regulator
Every rule on this site links to the provincial regulator or legislation it comes from, with the date we last reviewed it.
Popular provinces
Which province are you in?
Payday-loan rules are provincial. Pick yours for the cost cap, borrowing limit, cancellation period and the regulator that licenses lenders.
Popular cities
Payday loans online or around the corner: pick your city
Local pages cover the lenders serving your area, community alternatives and who to call if something goes wrong.
Featured licensed lenders
Twenty lenders, every one with its sources showing
Each profile shows where the lender is licensed, the licence numbers it publishes and whether we have confirmed them on the registry. Paid positions are labelled. Use the directory to sort by cost, rating or name instead.
Cash 4 You
Licence numbers publishedCash 4 You is an Ontario-only lender with a store network offering payday loans and larger instalment loans.
- Cost per $100
- $14
- Up to
- $1,500
- Funding
- Cash in store
- Serves
- ON
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Cash 4 You.
Cash Money
Licence numbers publishedCash Money has offered payday loans in Canada since 1992, online and through a store network, alongside a line of credit.
- Cost per $100
- $14
- Up to
- $1,500
- Funding
- e-Transfer in about 15 minutes once approved, or cash in store (reported)
- Serves
- BC, MB, NL, NS, ON, SK
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Cash Money.
Cashco Financial
Licence numbers publishedCashco Financial is an Edmonton-based lender with branches across western Canada, offering payday loans and a longer-term Flex Loan.
- Cost per $100
- $14
- Up to
- $1,500
- Funding
- Same-day decisions in branch (reported)
- Serves
- AB, BC, SK
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Cashco Financial.
Loan comparison
Four lenders. One screen. Same questions.
Add up to four lenders and read them side by side: cost per $100, the total on a $500 loan, funding time, credit-check policy in the lender’s own words, and licence status.
Open the comparison toolLender ALender B
Cost per $100$14$14
Repay on $500$570$570
FundingSame day*Next day*
LicenceCheckedChecked
*As stated by the lender. Illustration only.
Payday-loan cost calculator
What would it actually cost?
Set your province, amount and term. The fee is pre-filled with the legal maximum.
Estimated cost Ontario
- You borrow
- $500.00
- Total fee
- $70.00
- Due date
- —
- Annual rate for this term
- 365%
- You repay
- $570.00
Payday loans are expensive short-term credit. Results are estimates only. Your lender’s agreement shows the actual cost, dates and fees.
Compare licensed lendersHow payday loans work in Canada
What happens between “apply” and “repaid”?
You apply
Online or in a store, with proof of income, a bank account and ID. The lender must be licensed in your province.
The lender decides
Each lender sets its own approval and credit-check policy. Nobody can promise the answer in advance.
You sign and receive funds
The agreement states the fee in dollars, the due date and how to cancel. Up to $1,500, for up to 62 days.
You repay on payday
The loan plus up to $14 per $100 is withdrawn. In Alberta it is split into instalments. No rollovers.
Payday-loan alternatives
Is there a cheaper way to cover this?
Often there is. Two weeks on a payday loan costs about $70 per $500. Compare that with:
More time from the biller
Utilities, landlords and phone companies often agree to a payment plan if you ask before the due date.
Line of credit
About $1.90 on $500 for two weeks at 10%. Needs to be set up in advance.
Overdraft or credit union loan
Several credit unions offer small loans built to replace payday borrowing.
Non-profit credit counselling
A confidential session costs nothing and can lead to one affordable payment.
Borrower rights & safety
You have more rights than the fine print suggests.
Loan terms, rates, fees, approval and availability are set by each licensed lender and depend on your province. Payday-loan rules differ by province — always confirm a lender’s licence with your provincial regulator before you borrow.
Complaints & borrower help- A cost ceiling. No more than $14 per $100, all fees included.
- A way out. A cooling-off period to cancel at no cost.
- No rollovers. A lender cannot extend your loan for another fee.
- A licensed lender. Online or in-store, a provincial licence is required.
- Never pay upfront. A fee before the loan is released is a scam sign.
Loan know-how
No credit check, instant approval, e-Transfer: what those words really mean
Fast Cash Loans in Canada: The Quickest Options, Ranked by Cost
The fastest ways to get cash in Canada are money you can already reach — an overdraft, a line of credit or a credit…
Online Payday Loans in Canada: How to Apply Safely
An online payday loan follows the same law as one from a store: up to $1,500, at most $14 per $100, repaid within 62…
Bad Credit Payday Loans: Your Odds, Your Cost, Your Options
Bad credit does not rule out a payday loan in Canada, because lenders focus on income and banking history more than your score. It…
e-Transfer Payday Loans Online: Timing, Limits and Bank Holds
Most online payday loans in Canada are paid by Interac e-Transfer. Once a loan is approved and signed, the lender sends the money to…
Instant Approval Payday Loans: How Fast Is a Real Decision?
“Instant approval” is a marketing phrase. Online payday lenders in Canada often return an automated decision within minutes, but it depends on verifying your…
No Credit Check Payday Loans: What Lenders Check Instead
Some Canadian payday lenders do not pull a credit bureau report, while others do. All of them verify income, banking history and identity before…
FAQ
What borrowers ask before they click apply
Is Public Cash Services a lender?
No. Public Cash Services is an independent information and comparison website. We do not lend money, approve applications or set loan terms. We list licensed lenders and can pass a personal-loan request to a lending partner with your consent.
How much does a payday loan cost in Canada?
Up to $14 for every $100 you borrow, with all fees included, in every province that regulates payday loans. A $500 loan costs up to $70. Over a two-week term that is roughly 365% as an annual rate.
What is the most I can borrow with a payday loan?
$1,500. Several provinces lower that further based on income: Ontario, British Columbia and Newfoundland and Labrador limit a loan to 50% of your net pay, and Manitoba and New Brunswick to 30%.
How do I find payday loans near me?
Choose your province or city on our locations page to see lenders that serve your area, including online lenders licensed in your province. Check each lender’s licence on the provincial registry before applying.
How do I know a payday lender is licensed?
Look for the legal business name and licence number on the lender’s website, then search it on your provincial regulator’s public registry. If you cannot find an active licence, do not borrow from that lender.
Will a payday lender check my credit?
It depends on the lender. Some run a credit check, some use other information such as income and banking history, and policies change. No one can promise that a check will not happen. Each lender profile here quotes the lender’s stated policy.
Need more than a payday loan can cover?
A personal loan spreads a larger amount over months at a capped annual rate. Tell us what you need and finish your request with our lending partner. We are not the lender, and an offer is not guaranteed.
Get Started NowWe may receive compensation when you apply through links on this site.