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Not in the form available elsewhere in Canada. Quebec never adopted a payday lending regime, and the Office de la protection du consommateur does not issue lending permits above 35% APR, so the two-week $14 per $100 payday loan cannot operate here. Montreal borrowers use micro loans instead: small instalment loans, typically $300 to $2,500, repaid over weeks or months.
The interest rate is capped at 35% APR, but several micro lenders add weekly membership or brokerage fees on top, which can multiply the true cost on a small loan. Before signing, compare the total amount you will repay rather than the advertised rate. Quebec's Consumer Protection Act requires that figure to appear in your contract.
