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Payday Loans in Alberta

Compare FCAC-regulated payday lenders in Alberta. Find fast approval loans with transparent costs and provincial protection.

Population
4,442,879
Maximum Loan
$1500
Maximum APR
391%

Alberta Payday Loan Regulations

Alberta caps payday loan costs at $15 per $100 (391% APR). Maximum $1,500 per loan. 2-day cooling-off period. Regulated by Service Alberta.

Regulator: Service Alberta
Cooling-Off Period: 2 days
Rollover Allowed: No
Maximum Term: 62 days
Visit Service Alberta →

How to Get a Payday Loan in Alberta

  1. 1

    Compare Lenders

    Review our list of FCAC-regulated lenders operating in Alberta. Check APRs, fees, and approval times.

  2. 2

    Apply Online

    Complete the application form with your personal details, employment, and banking information. Most applications take 5-10 minutes.

  3. 3

    Get Approved

    Lenders review your application and provide a decision within 15-60 minutes during business hours.

  4. 4

    Receive Funds

    Once approved, funds are typically sent via Interac e-Transfer same-day or direct deposit within 1 business day.

Payday Loans by City in Alberta

Find licensed payday lenders in major cities across Alberta. Click on your city to see local options and compare costs.

Calgary
Pop: 1,306,784
Edmonton
Pop: 1,010,899
Lethbridge
Pop: 101,482
Red Deer
Pop: 100,807
Airdrie
Pop: 74,100
Sherwood Park
Pop: 73,595
Grande Prairie
Pop: 69,512
St. Albert
Pop: 68,969
Fort McMurray
Pop: 68,002
Medicine Hat
Pop: 63,260
Spruce Grove
Pop: 37,645
Leduc
Pop: 33,462

Showing top 12 cities out of 24 total cities in Alberta.

Frequently Asked Questions

What is the maximum payday loan amount in Alberta?
In Alberta, the maximum payday loan amount is $1500 CAD. This limit is set by Service Alberta to protect borrowers from over-indebtedness.
What is the APR for payday loans in Alberta?
Alberta payday loans have a maximum APR of 391%. Alberta caps payday loan costs at $15 per $100 (391% APR). Maximum $1,500 per loan. 2-day cooling-off period. Regulated by Service Alberta.
How long is the cooling-off period in Alberta?
Alberta provides a 2-day cooling-off period, allowing you to cancel your payday loan without penalty within 2 days of signing.
Who regulates payday loans in Alberta?
Payday loans in Alberta are regulated by Service Alberta. You can verify licensed lenders at https://www.alberta.ca/service-alberta
Can I get a payday loan online in Alberta?
Yes, many FCAC-regulated lenders offer online payday loans to Alberta residents. Applications are processed 100% online with same-day approval and Interac e-Transfer disbursement available.
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