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Payday Loans in British Columbia

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

Population
5,214,805
Maximum Loan
$1500
Maximum APR
391%

British Columbia Payday Loan Regulations

BC regulates payday loans through BCFSA. Maximum cost $15 per $100 (391% APR). Borrowers can cancel within 2 days. Max loan $1,500.

Regulator: BC Financial Services Authority (BCFSA)
Cooling-Off Period: 2 days
Rollover Allowed: No
Maximum Term: 62 days
Visit BC Financial Services Authority (BCFSA) →

How to Get a Payday Loan in British Columbia

  1. 1

    Compare Lenders

    Review our list of FCAC-regulated lenders operating in British Columbia. 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 British Columbia

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

Vancouver
Pop: 662,248
Surrey
Pop: 568,322
Burnaby
Pop: 249,125
Richmond
Pop: 209,937
Abbotsford
Pop: 153,569
Coquitlam
Pop: 148,625
Langley
Pop: 147,532
Kelowna
Pop: 144,576
Saanich
Pop: 117,735
Delta
Pop: 108,455
Kamloops
Pop: 100,046
Nanaimo
Pop: 99,863

Showing top 12 cities out of 43 total cities in British Columbia.

Frequently Asked Questions

What is the maximum payday loan amount in British Columbia?
In British Columbia, the maximum payday loan amount is $1500 CAD. This limit is set by BC Financial Services Authority (BCFSA) to protect borrowers from over-indebtedness.
What is the APR for payday loans in British Columbia?
British Columbia payday loans have a maximum APR of 391%. BC regulates payday loans through BCFSA. Maximum cost $15 per $100 (391% APR). Borrowers can cancel within 2 days. Max loan $1,500.
How long is the cooling-off period in British Columbia?
British Columbia 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 British Columbia?
Payday loans in British Columbia are regulated by BC Financial Services Authority (BCFSA). You can verify licensed lenders at https://www.bcfsa.ca/
Can I get a payday loan online in British Columbia?
Yes, many FCAC-regulated lenders offer online payday loans to British Columbia residents. Applications are processed 100% online with same-day approval and Interac e-Transfer disbursement available.
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