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Thirteen in the Smarter Loans network, the same thirteen that serve the rest of the province on the personal loans in New Brunswick page, from $15 advances to $35,000 instalment loans at rates from 0% on the smallest fee-priced advances up to the 35% federal cap. Every one lends online, so the application, the decision and the deposit happen from your phone and nothing depends on a Moncton branch, in Dieppe or Riverview as readily as downtown. Eight of the thirteen pay out within 24 hours, three within the hour and all thirteen within two days; nine consider a score under 560 and four want a fair score or better; income minimums run from $1,000 to $2,500 a month from any regular source.
On our platform in the first half of 2026, New Brunswickers asked for $5,683 on average for a personal loan and $504 for an everyday advance under $1,500. Use those to check your own request: a personal loan around $5,700 is the ordinary case, a request far above your income pushes you toward the top of a lender's range or a decline, and one well under $1,500 is an everyday advance, priced by fee rather than APR.
The province's and the federal cap, and Moncton adds none of its own. The federal criminal interest rate caps every consumer loan at 35% APR, and no lender listed prices above it. A payday loan is regulated separately: no more than $14 per $100 from a lender licensed by the Financial and Consumer Services Commission, online lenders included; the payday loans in New Brunswick page sets those rules out. What decides your cost is which product you are routed to, and that is decided by whether you can repay on your next pay date.
Every personal lender in the network is on the personal loans in Canada page, and the nine that lend below 560 in the province are on the bad credit loans in New Brunswick page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans. Last reviewed 25 September 2026. Lender figures are the lenders' published terms as checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
Thirteen in the Smarter Loans network serve Moncton, the same thirteen that serve all of New Brunswick, from $15 to $35,000 at 0% to 35%. Eight pay out within 24 hours and three within the hour.
On our platform in the first half of 2026, New Brunswickers asked for $5,683 on average for a personal loan and $504 for an everyday advance under $1,500.
Yes. Nine of the thirteen lenders listed consider a score under 560, and the decision is made on three months of bank statements more than on the score; a poor score is priced toward the 35% cap rather than declined.
The federal criminal interest rate caps a consumer loan at 35% APR. A payday loan is regulated separately at $14 per $100, from a lender licensed by the Financial and Consumer Services Commission, online lenders included.
No. Every lender listed lends online; the application, the decision and the deposit happen from your phone, and eight of the thirteen pay out within 24 hours.
