Loan Guides
These guides explain how a type of loan works in Canada: who it is for, what it can cost and what to compare before signing. Search by name, or narrow the list with the filters.
Sphera Credit is a technology and marketing platform and is not involved in any lending or brokering activity of any kind. We do not assess creditworthiness, originate loans, or take part in any lender's decision.
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Instant Loans in Nova Scotia
The NSUARB caps Nova Scotia payday cost at $14 per $100, with other credit under the 35% ceiling.
Instant Loans in Ontario
Ontario licenses payday lenders under the Payday Loans Act, 2008 and caps their cost at $14 per $100 borrowed.
Instant Loans in Quebec
A Quebec lender must weigh your gross income, monthly disbursements, and credit history before advancing.
Instant Loans in Saskatchewan
Saskatchewan's FCAA oversees consumer lending, with payday cost capped at $14 per $100 by federal rules.
Installment Loans
A personal loan for a fixed amount of money, paid back over a certain period.
Installment Loans in Alberta
Alberta law lets a borrower prepay part of an installment loan at least monthly, with no prepayment charge or penalty.
Installment Loans in British Columbia
BC's dedicated high-cost credit framework was legislated in 2019 and took effect on May 1, 2022.
Installment Loans in Manitoba
Secured loans registered on Manitoba's Personal Property Registry can run as long as 84 months.
Installment Loans in New Brunswick
New Brunswick governs fixed-payment lending through the Cost of Credit Disclosure and Payday Loans Act.
Installment Loans in Nova Scotia
Nova Scotia's HST dropped to 14% in April 2025, easing the cost of goods bought on fixed-payment credit.
Installment Loans in Ontario
Ontario requires the total cost of a fixed-payment loan in writing before the agreement begins.
Installment Loans in Quebec
Quebec fixed-payment credit stays under the federal 35% APR ceiling set in January 2025.