Find the right loan

Saskatchewan's FCAA enforces disclosure under the Consumer Protection and Business Practices Act.

Borrowing against a vehicle you already own outright, secured by its title and regulated as high-cost credit.

Financing for an urgent repair, medical cost, or income gap, priced from 25% to 35% APR on weaker files.

Alberta lets you prepay a non-mortgage loan at any time without penalty under Section 68.

The BPCPA requires a BC lender to disclose the full cost of credit before you sign anything.

Manitoba's Consumer Protection Office sits inside the Department of Justice and licenses lenders.

FCNB limits each New Brunswick payday loan to 30% of your net pay, to a $1,500 maximum.

Nova Scotia raised income assistance rates 1.6% in January 2026, after 3.1% the year before.

Ontario gives you a two-business-day window to cancel a payday loan at no cost or penalty.

Quebec has no legal payday lending, so urgent borrowing runs through OPC-permitted lenders instead.

Saskatchewan caps payday cost at $17 per $100, so longer-term credit under 35% APR costs far less.

Draw-based financing released in stages as a build progresses, with an inspection before each advance.