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The NSUARB caps Nova Scotia payday cost at $14 per $100, with other credit under the 35% ceiling.

Ontario's Payday Loans Act, 2008 sets a 42-day minimum term on short-term credit, and FSRA licenses the lenders.

A Quebec lender must weigh your gross income, monthly disbursements, and credit history before advancing.

Saskatchewan's FCAA oversees consumer lending, with payday cost capped at $17 per $100 borrowed.

Fixed-payment borrowing repaid on a set schedule, with the total cost disclosed in writing before you sign.

Alberta adds no provincial sales tax, and you may clear a fixed-payment balance early without penalty.

BC's dedicated high-cost credit framework was legislated in 2019 and took effect on May 1, 2022.

Secured loans registered on Manitoba's Personal Property Registry can run as long as 84 months.

New Brunswick governs fixed-payment lending through the Cost of Credit Disclosure and Payday Loans Act.

Nova Scotia's HST dropped to 14% in April 2025, easing the cost of goods bought on fixed-payment credit.

Ontario requires the total cost of a fixed-payment loan in writing before the agreement begins.

Quebec fixed-payment credit stays under the federal 35% APR ceiling set in January 2025.