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| Segment | Share | Average request |
|---|---|---|
| Everyday, under $1,500 | 65.4% | $483 |
| Instalment, $1,500 and above | 34.6% | $6,624 |
The fee is capped at $14 per $100 borrowed: $70 on a $500 loan over two weeks, repaid in one payment on your next payday.
A recent provincial high-cost credit regime applies. The regulator is Digital Government and Service NL.
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.
$14 per $100 borrowed: a $300 loan costs $42 and repays as $342. When the province first regulated payday lending in 2019 the cap was $21 per $100, the highest in the country; today's $14 means the same $300 loan costs $21 less than it did then, the largest cap drop any province has seen.
Yes. The province's regulations give you a 48-hour cooling-off period to cancel with no questions asked. Return the amount advanced within the window and the loan is void at no cost.
On your third payday loan within 62 days, the lender is required to offer split payments rather than a single lump-sum repayment, spreading the balance across instalments. It works like Ontario's extended payment plan and exists for the same reason: to break the cycle where each payday deduction forces the next loan.
