One application. 14 lenders from our 50+ network. Funded in 24 to 48 hours.
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Every Apply button starts the same single application. Your chosen lender is prioritized first.
New Brunswick has no separate provincial licensing band, so the federal 35% cap is what protects you.
Four gates, in the order lenders apply them.
Income type comes first. 12 of 14 lenders serving Moncton accept any income type, including benefit income such as Social Assistance. The rest require employment or self-employment. This field decides more applications than credit score does.
Income floor is absolute. Most lenders publish a minimum monthly income, most commonly $1,500 per month. Below a lender's floor, nothing else compensates.
Credit is more flexible than expected. 9 of 14 lenders serving Moncton approve applicants below a 560 credit score. A decline is one lender's threshold, not the market's.
Banking history can replace credit history. Lenders that connect read-only to your account assess deposit regularity rather than your file, approve applications a bureau score would decline, and fund fastest.
Worth checking before borrowing. Each costs less than any loan.
Licensing is provincial, so the same lenders serve every New Brunswick community. No separate provincial licensing. The regulator is the Financial and Consumer Services Commission. The full picture is on the New Brunswick page.
All lenders licensed in New Brunswick serve Moncton, mostly online with same-day funding. New Brunswick requires bilingual service and full written cost disclosure before you sign, enforced by FCNB, whose licensee list is public.
New Brunswick caps payday loans at 30% of your most recent net pay, so a $2,000 paycheque limits you to roughly $600. Instalment lenders assess your full income instead and are not bound by that cap, which usually makes them both the larger and the cheaper option above a few hundred dollars.
