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| Segment | Share | Average request |
|---|---|---|
| Everyday, under $1,500 | 70.4% | $472 |
| Instalment, $1,500 and above | 29.6% | $5,773 |
The fee is capped at $17 per $100 borrowed: $85 on a $500 loan over two weeks, repaid in one payment on your next payday.
No separate provincial high-cost band; the federal 35% cap governs. The regulator is the Financial and Consumer Affairs Authority.
A payday loan fits a genuine one-off gap with a repayment your next pay can absorb. If the gap repeats every month, the product that fits is not a payday loan.
No. Saskatchewan is explicit that a borrower can hold only one payday loan at a time, and lenders must see your pay stub or bank statement before advancing anything. A second application while one loan is open will be declined by any licensed lender, which is the province's guard against stacking loans across lenders.
The lender can charge one NSF fee of up to $20 per loan, no matter how many payments are dishonoured, plus default interest capped at 30% per year on the principal. No other penalties, rollover fees, or extension charges are allowed. That one-fee-per-loan rule is stricter than most provinces.
Up to the lesser of $1,500 or 50% of your take-home pay, verified against your actual pay stub. If your paycheque is $1,600, your ceiling is $800 regardless of what you request.
