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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.

Key facts for Quebec

Last updated:

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
Repentigny
Pop: 88 915
Saint-Jérôme
Pop: 79 834
Beauport
Pop: 79 616
Drummondville
Pop: 79 006
Sainte-Foy
Pop: 75 000
Granby
Pop: 69 025
Blainville
Pop: 60 455
Saint-Hyacinthe
Pop: 59 614
Mirabel
Pop: 56 375
Dollard-des-Ormeaux
Pop: 50 827
Châteauguay
Pop: 50 815
Rimouski
Pop: 50 780
Mascouche
Pop: 50 039
Shawinigan
Pop: 49 349
Victoriaville
Pop: 49 016
Saint-Eustache
Pop: 46 655
Boucherville
Pop: 43 862
Rouyn-Noranda
Pop: 43 274
Salaberry-de-Valleyfield
Pop: 42 410
Vaudreuil-Dorion
Pop: 38 117
Sorel-Tracy
Pop: 35 164
Côte-Saint-Luc
Pop: 34 254
Pointe-Claire
Pop: 33 488
Val-d'Or
Pop: 32 491
Chambly
Pop: 30 785
Alma
Pop: 30 331
Sainte-Julie
Pop: 30 104
Magog
Pop: 28 786
Boisbriand
Pop: 28 451
Saint-Bruno-de-Montarville
Pop: 27 934
Saint-Constant
Pop: 27 359
La Prairie
Pop: 26 773
Sainte-Thérèse
Pop: 26 025
Thetford Mines
Pop: 25 709
Sept-Îles
Pop: 25 686
Candiac
Pop: 23 909
Beloeil
Pop: 23 677
Saint-Lambert
Pop: 22 334
Baie-Comeau
Pop: 21 536
Varennes
Pop: 21 407
Kirkland
Pop: 21 273
Mont-Royal
Pop: 20 734
Joliette
Pop: 20 585
Saint-Lin-Laurentides
Pop: 20 387
Westmount
Pop: 19 658
Saint-Augustin-de-Desmaures
Pop: 19 600
Beaconsfield
Pop: 19 505
Deux-Montagnes
Pop: 18 403
Saint-Basile-le-Grand
Pop: 18 141
L'Ancienne-Lorette
Pop: 17 281
Sainte-Catherine
Pop: 17 000
Pincourt
Pop: 15 305
Rosemère
Pop: 14 294
Cowansville
Pop: 13 866
Matane
Pop: 13 795
Notre-Dame-de-l'Île-Perrot
Pop: 11 243
L'Île-Perrot
Pop: 11 218
Carignan
Pop: 10 397
Delson
Pop: 7 462
Hampstead
Pop: 7 184
McMasterville
Pop: 6 050
Montreal West
Pop: 5 246

Showing all available cities in Quebec (74 total).

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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