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🍁 Serving All Canadian Provinces

Compare payday loans in Canada by province, lender, and cost

Review payday and instalment loan options from 15+ Canadian lenders with province rules, APR examples, fees, and eligibility details in one place.

Compare available options → Check province rules
Provincial fee caps shown FCAC and provincial sources Lender reviews and alternatives APR and total-cost examples 📅 Updated: June 8, 2026

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Compare by lender, province, or borrowing need

Use these fast paths to reach the highest-intent pages in the Canada market before you apply. We recommend starting with lender reviews if you already know a brand, and provincial guides if you need local rules first.

All lender reviews Compare loans side by side About Credizen Canada Provincial loan rules Loan calculator Loan glossary Methodology Loan education guides Loan types overview Canada FAQ Important disclaimer Cookie policy Author profile

Popular lender matchups

Money Mart vs easyfinancial Money Mart vs Cash Money Mogo vs Borrowell iCash vs LendDirect Fig Loans vs Credit Fresh easyfinancial vs Mogo easyfinancial vs Fairstone Fairstone vs Spring Financial LoansCanada vs Spring Financial Borrowell vs LoansCanada

Currently Searched In Canada

iCash loan review Money Mart review Mogo loan requirements easyfinancial loan review Money Mart vs Cash Money Loans that accept EI Payday loans in Gravenhurst Payday loans in Antigonish Payday loans in Iqaluit

Find Loans in Your Province

Each province has unique regulations and lender availability. Select your province to see personalized options, rates, and regulatory information.

Ontario

ON

Max APR: 391

Quebec

QC

Max APR: 35

British Columbia

BC

Max APR: 391

Alberta

AB

Max APR: 391

Manitoba

MB

Max APR: 442

Saskatchewan

SK

Max APR: 442

Nova Scotia

NS

Max APR: 391

New Brunswick

NB

Max APR: 391

Newfoundland and Labrador

NL

Max APR: 456

Prince Edward Island

PE

Max APR: 391

Northwest Territories

NT

Max APR: 60

Yukon

YT

Max APR: 60

Nunavut

NU

Max APR: 60

Featured Canadian Lenders

Money Mart

💵 100 - 1500

📊 APR: 391% - 442%

📍 Province availability varies

Read Review →

iCash

💵 100 - 1500

📊 APR: 391% - 442%

📍 Province availability varies

Read Review →

Mogo

💵 500 - 35000

📊 APR: 5.9% - 45.9%

📍 Province availability varies

Read Review →

easyfinancial

💵 500 - 45000

📊 APR: 19.99% - 46.96%

📍 Province availability varies

Read Review →

Magical Credit

💵 100 - 1500

📊 APR: 391% - 456%

📍 Province availability varies

Read Review →

Fairstone

💵 500 - 40000

📊 APR: 9.99% - 29.99%

📍 Province availability varies

Read Review →
View All 15 Lenders →

How Credizen Works

1

Compare

Browse 15+ lenders across Canada. Filter by province, amount, and APR.

2

Apply

Check eligibility, province availability, income proof, and privacy terms before continuing.

3

Compare Costs

Review fees, APR examples, repayment dates, and cancellation rights side by side.

4

Review Terms

Confirm the total repayment amount and lender licence before applying directly.

Frequently Asked Questions

Which Canadian payday lenders are most searched right now?
Current Search Console data shows the strongest lender demand around Money Mart, iCash, Mogo, easyfinancial, Magical Credit, Fairstone, Progressa, and LendDirect. Start with lender reviews if you already know the brand, then verify province availability and total repayment cost before applying.
How do iCash, Money Mart, Mogo, and easyfinancial differ?
iCash and Money Mart are commonly searched for short-term payday loan options, while Mogo and easyfinancial often fit personal-loan, instalment-loan, or credit-building research. The right comparison depends on your province, income proof, repayment term, APR, and whether you need a payday loan or a longer instalment product.
Can I get a loan while receiving EI in Canada?
Some lenders may consider Employment Insurance as income, but approval is not guaranteed. Lenders usually check regular deposit history, bank account activity, province rules, and whether the repayment would be affordable. Compare lower-cost alternatives before using a payday loan while on EI.
How do payday loan fees differ by province?
Most provinces set a maximum cost per $100 borrowed. Ontario, British Columbia, Alberta, and Nova Scotia commonly use a $15 per $100 cap. Manitoba and Saskatchewan allow up to $17 per $100. Newfoundland and Labrador has allowed up to $21 per $100. Quebec caps consumer loans at 35% APR, so traditional payday loans are generally not available there.
Which provinces have the strictest payday loan rules?
Quebec is the strictest because its 35% APR cap effectively removes most traditional payday loan products. Other provinces regulate maximum fees, cancellation periods, rollover rules, and licensing. Always check your province page and the provincial regulator before choosing a lender.
Are payday loans available in Quebec?
Traditional payday loans are generally not available in Quebec because consumer credit is capped at 35% APR. Quebec borrowers usually compare credit unions, banks, instalment lenders that comply with Quebec rules, payment plans, and emergency assistance options instead.
What should I compare before applying to a Canadian lender?
Compare the total repayment amount, APR or fee per $100, loan term, payment due date, late fees, cancellation rights, province availability, lender licence, privacy policy, and whether a lower-cost alternative is available. Do not compare only the advertised loan amount or speed.
How can I check whether a lender is licensed in my province?
Use the regulator listed on your province page, such as FSRA in Ontario, the AMF in Quebec, BCFSA in British Columbia, or the relevant provincial consumer protection office. A licensed lender should disclose its legal name, licence information, total borrowing cost, and contact details.

🍁 Regulated by Canadian Authorities

All lenders on Credizen are regulated by the Financial Consumer Agency of Canada (FCAC) and provincial regulators. Quebec residents: loans subject to Autorité des marchés financiers (AMF) regulations.

Credizen is a loan comparison platform. We do not lend money. Borrow responsibly.

🏛️Canadian Financial Authorities

Always verify your lender in official registers before applying:

FCACFinancial Consumer Agency of CanadaFederal consumer protection — borrower rights, complaint handling, payday loan guides
FSRA (ON)Financial Services Regulatory Authority of OntarioOntario regulator — licensed payday lenders, fee caps ($15 per $100)
AMF (QC)Autorité des marchés financiers du QuébecQuebec regulator — licensed lenders, 35% APR cap, consumer protection
BCFSABC Financial Services AuthorityBritish Columbia regulator — licensed lenders, fee limits, borrower resources

All links lead to official government websites and are not affiliate links.

Credizen

Credizen helps you compare payday loans across all of Canada. We connect borrowers with licensed lenders offering fast approval, transparent fees, and responsible lending practices.

Compare payday loans responsibly. See rates, fees, and terms before you apply.

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Credizen is a comparison platform. We are not a lender. We connect borrowers with licensed lenders. Information is updated regularly, but we recommend you verify details on the lender's website before applying. All lenders are subject to provincial and federal regulations.

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Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

  • South Africa: National Credit Regulator - 0860 627 627
  • Romania: ANPC - 0213142200
  • Colombia: Superintendencia Financiera - (571) 594 2222
  • Poland: KNF - 22 262 5000
  • Czech Republic: ČNB (Česká národní banka) - 224 411 111
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