Online Payday Loans Available Across All of Canada
CCFD's network of licensed lenders covers every Canadian province and territory — from Victoria, BC to St. John's, NL, and everywhere in between. Apply from anywhere, receive your e-transfer anywhere.
Select Your Province or Territory
Ontario (ON)
Major cities: Toronto, Ottawa, Hamilton
Ontario payday loan regulations cap fees at $14 per $100 borrowed.
Apply in Ontario →British Columbia (BC)
Major cities: Vancouver, Victoria, Kelowna
BC caps payday loan fees at $15 per $100 borrowed under the Business Practices and Consumer Protection Act.
Apply in British Columbia →Alberta (AB)
Major cities: Calgary, Edmonton, Red Deer
Alberta's Payday Loans Regulation caps fees at $15 per $100 borrowed.
Apply in Alberta →Quebec (QC)
Major cities: Montreal, Quebec City, Gatineau
Quebec's Consumer Protection Act provides borrowers with strong protections including a 30-day minimum loan term.
Apply in Quebec →Manitoba (MB)
Major cities: Winnipeg, Brandon, Steinbach
Manitoba caps payday loan fees at $17 per $100 and requires lenders to offer an extended payment plan.
Apply in Manitoba →Saskatchewan (SK)
Major cities: Saskatoon, Regina, Prince Albert
Saskatchewan's Payday Loans Act caps fees at $17 per $100 borrowed.
Apply in Saskatchewan →Nova Scotia (NS)
Major cities: Halifax, Dartmouth, Truro
Nova Scotia regulates payday lending fees and requires clear disclosure of all borrowing costs.
Apply in Nova Scotia →New Brunswick (NB)
Major cities: Fredericton, Moncton, Saint John
New Brunswick caps payday loan costs at $15 per $100 borrowed under the Cost of Credit Disclosure and Payday Loans Act.
Apply in New Brunswick →Newfoundland & Labrador (NL)
Major cities: St. John's, Corner Brook, Gander
Newfoundland and Labrador requires full cost disclosure and sets maximum fee regulations for payday lenders.
Apply in Newfoundland & Labrador →Prince Edward Island (PE)
Major cities: Charlottetown, Summerside, Stratford
PEI payday lending is governed under provincial consumer protection legislation with fee caps in place.
Apply in Prince Edward Island →Yukon (YT)
Major cities: Whitehorse, Dawson City, Watson Lake
Yukon residents can access CCFD's lender network with full provincial regulatory compliance.
Apply in Yukon →Nunavut (NU)
Major cities: Iqaluit, Rankin Inlet, Cambridge Bay
Nunavut borrowers are served by CCFD's network under applicable territorial and federal financial regulations.
Apply in Nunavut →Northwest Territories (NT)
Major cities: Yellowknife, Hay River, Inuvik
Northwest Territories residents can apply for payday loans through CCFD's fully online platform.
Apply in Northwest Territories →Payday Lending Is Regulated in Every Province
Every province and territory in Canada that permits payday lending has its own consumer protection legislation governing maximum fees, cooling-off periods, and disclosure requirements. CCFD only partners with lenders who are fully compliant with the regulations in your specific province.
Important: Payday loan regulations vary by province. The fee you pay, your right to rescind, and extended repayment plan options differ depending on where you live. Always read your loan offer carefully and understand the terms specific to your province before accepting.
Ready to Apply From Anywhere in Canada?
Free application, no credit check, e-transfer funding to any Canadian bank account.