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Montreal follows Quebec's rules, and Quebec never set up a payday regime. Without one, every loan falls under the federal 35% cap, and a two-week loan at $14 per $100 would break it. Every lender in Montreal other than a bank, caisse or trust company needs a permit from the Office de la protection du consommateur.
People in work, most of them. More than half of Montreal applicants work full-time, and nearly four in ten requests are to catch up on bills. Montreal makes about one in five of Quebec's small-loan requests on our platform, averaging about $560. Nearly three in ten applicants have a score under 560.
| Credit score | Share of Montreal applications |
|---|---|
| Under 560 | 28.9% |
| 560 to 659 | 43.0% |
Smarter Loans platform, 370 applications from Montreal for $100 to $1,499, 1 January to 30 June 2026. The other score groups are too small to report.
A small line of credit or an installment loan. Seven lenders in our network offer them, from $15 to $20,000, all under the 35% cap. All seven lend online. Four pay out within 24 hours, one within the hour, and all seven within two days.
All seven consider a score under 560, and income minimums run from $1,000 to $1,500 a month. Our application reaches all seven at once.
A line on price and a right to cancel. Credit priced above 22 points over the Bank Rate counts as high-cost in Quebec. On such a loan you can cancel within 10 days of receiving your copy, at no cost.
The payday loans in Quebec page sets out the province's rules. Every lender we work with is listed on the payday loans in Canada page for the provinces that allow payday loans.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans, 6 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
No. Quebec has no payday rules, so no payday lender in our network serves Montreal. Seven lenders offer small lines of credit and installment loans instead.
Montreal requests under $1,500 average about $560. Figures are from Smarter Loans applications, January to June 2026.
Nearly four in ten Montreal requests are to catch up on bills. Figures are from Smarter Loans applications, January to June 2026.
Yes, unless it is a bank, caisse or trust company. Every other lender needs a permit from the Office de la protection du consommateur.
Yes. Quebec lets you cancel a high-cost credit contract within 10 days of receiving your copy, at no cost.
