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Payday Loans in Quebec

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

Population
8,604,495
Maximum Loan
$1500
Maximum APR
35%

Quebec Payday Loan Regulations

Quebec caps all consumer loans at 35% APR (excluding payday loans which follow federal 60% criminal usury limit). Payday loans max $1,500. 2-day cancellation right.

Regulator: Autorité des marchés financiers (AMF)
Cooling-Off Period: 2 days
Rollover Allowed: No
Maximum Term: 365 days
Visit Autorité des marchés financiers (AMF) →

How to Get a Payday Loan in Quebec

  1. 1

    Compare Lenders

    Review our list of FCAC-regulated lenders operating in Quebec. 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 Quebec

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

Montreal
Pop: 1,762,949
Quebec City
Pop: 549,459
Laval
Pop: 438,366
Gatineau
Pop: 291,041
Longueuil
Pop: 254,483
Sherbrooke
Pop: 172,950
Lévis
Pop: 149,683
Saguenay
Pop: 144,746
Trois-Rivières
Pop: 139,163
Terrebonne
Pop: 119,944
Saint-Jean-sur-Richelieu
Pop: 99,431
Brossard
Pop: 91,391

Showing top 12 cities out of 74 total cities in Quebec.

Frequently Asked Questions

What is the maximum payday loan amount in Quebec?
In Quebec, the maximum payday loan amount is $1500 CAD. This limit is set by Autorité des marchés financiers (AMF) to protect borrowers from over-indebtedness.
What is the APR for payday loans in Quebec?
Quebec payday loans have a maximum APR of 35%. Quebec caps all consumer loans at 35% APR (excluding payday loans which follow federal 60% criminal usury limit). Payday loans max $1,500. 2-day cancellation right.
How long is the cooling-off period in Quebec?
Quebec 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 Quebec?
Payday loans in Quebec are regulated by Autorité des marchés financiers (AMF). You can verify licensed lenders at https://lautorite.qc.ca/
Can I get a payday loan online in Quebec?
Yes, many FCAC-regulated lenders offer online payday loans to Quebec residents. Applications are processed 100% online with same-day approval and Interac e-Transfer disbursement available.
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