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Payday Loans in Nova Scotia

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

Population
992,055
Maximum Loan
$1500
Maximum APR
391%

Nova Scotia Payday Loan Regulations

Nova Scotia limits payday loan costs to $15 per $100 (391% APR). Maximum $1,500. 2-day cancellation period. Provincial regulation applies.

Regulator: Service Nova Scotia and Municipal Relations
Cooling-Off Period: 2 days
Rollover Allowed: No
Maximum Term: 62 days
Visit Service Nova Scotia and Municipal Relations →

How to Get a Payday Loan in Nova Scotia

  1. 1

    Compare Lenders

    Review our list of FCAC-regulated lenders operating in Nova Scotia. 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 Nova Scotia

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

Halifax
Pop: 439,819
Dartmouth
Pop: 101,343
Sydney
Pop: 31,597
Glace Bay
Pop: 15,238
Truro
Pop: 12,261
Amherst
Pop: 9,550
New Glasgow
Pop: 9,075
Bridgewater
Pop: 8,790
Yarmouth
Pop: 6,518
Kentville
Pop: 6,094
Antigonish
Pop: 4,364

Frequently Asked Questions

What is the maximum payday loan amount in Nova Scotia?
In Nova Scotia, the maximum payday loan amount is $1500 CAD. This limit is set by Service Nova Scotia and Municipal Relations to protect borrowers from over-indebtedness.
What is the APR for payday loans in Nova Scotia?
Nova Scotia payday loans have a maximum APR of 391%. Nova Scotia limits payday loan costs to $15 per $100 (391% APR). Maximum $1,500. 2-day cancellation period. Provincial regulation applies.
How long is the cooling-off period in Nova Scotia?
Nova Scotia 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 Nova Scotia?
Payday loans in Nova Scotia are regulated by Service Nova Scotia and Municipal Relations. You can verify licensed lenders at https://beta.novascotia.ca/
Can I get a payday loan online in Nova Scotia?
Yes, many FCAC-regulated lenders offer online payday loans to Nova Scotia residents. Applications are processed 100% online with same-day approval and Interac e-Transfer disbursement available.
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