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City · British Columbia
Payday loans in Vancouver are regulated by Consumer Protection BC. The maximum cost is $14 per $100 borrowed, loans are limited to $1,500 or half your net pay, and you have two business days to cancel. Public Cash Services does not lend — we show licensed options, costs and local alternatives.
Last reviewed by the Public Cash Services editorial team
British Columbia sets the rules and Consumer Protection BC enforces them. Its public licence search covers every lender allowed to serve a Vancouver address, storefront or online. A $600 loan carries a maximum fee of $84, and a lender cannot give you a second loan until the first is repaid.
Yes. Vancouver is unusual in having a credit union product designed as a payday-loan replacement, with a far lower rate and a longer term. It is listed below along with free counselling and the provincial rent bank network — worth a look given how much of a Vancouver paycheque goes to housing.
| Maximum cost of borrowing | $14 per $100 borrowed, all fees included |
|---|---|
| Maximum loan amount | $1,500 |
| Income-based limit | No more than 50% of your net pay for the term of the loan. |
| Loan term | Up to 62 days. |
| Right to cancel | 2 business days |
| Rollovers | Not allowed. A lender cannot extend or renew a payday loan for an extra fee, or issue a new loan to pay off the old one. |
| Dishonoured payment | A one-time fee (commonly up to $20) if a cheque or pre-authorized debit is dishonoured. |
| Licence required | Yes — storefront and online lenders |
| Regulator | Consumer Protection BC · 1-888-564-9963 |
| Legislation | Business Practices and Consumer Protection Act and Payday Loans Regulation (BC) |
Sources: Consumer Protection BC; Financial Consumer Agency of Canada; Criminal Interest Rate Regulations. Last reviewed November 14, 2026.
Check a lender’s licence with the regulator (opens in a new tab)
Full British Columbia payday-loan rules →
Cash Money has offered payday loans in Canada since 1992, online and through a store network, alongside a line of credit.
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Cash Money.
Cashco Financial is an Edmonton-based lender with branches across western Canada, offering payday loans and a longer-term Flex Loan.
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Cashco Financial.
easyfinancial, part of goeasy, offers instalment loans from $500 to $20,000 unsecured through about 400 branches and online in every province.
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to easyfinancial.
Fairstone is a national instalment lender with more than 250 branches, offering unsecured loans up to $25,000 and larger secured loans for homeowners.
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Fairstone.
Fig is an online personal-loan lender for borrowers with good credit, offering $2,000 to $35,000 at rates from 8.99% APR.
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Fig.
Focus Cash Loans (Focus Financial) offers online payday loans in Alberta, British Columbia and Ontario.
“Get Started Now” opens our personal-loan request, handled by our lending partner — it is not an application to Focus Cash Loans.
The map is provided by Google and loads only when you ask for it. A pin on the map is not proof of a licence.
Credit union small loan designed as a payday-loan alternative; membership required
Visit site for Vancity Fair & Fast Loan (opens in a new tab) →BC-based non-profit; free, confidential credit counselling
Visit site for Credit Counselling Society (opens in a new tab) →Interest-free loans and supports for eligible renters facing eviction or shut-off
Visit site for BC Rent Bank (opens in a new tab) →Free referral service for community and government supports
Visit site for bc211 (opens in a new tab) →Search the lender on the Consumer Protection BC payday licence search and confirm the status is active.
Up to $70, so you would repay $570.
No. BC allows only one payday loan at a time and prohibits rollovers.
Often, yes. Credit union small loans, the BC Rent Bank and free credit counselling are all worth checking first.