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| Segment | Share | Average request |
|---|---|---|
| Everyday, under $1,500 | 66.5% | $486 |
| Instalment, $1,500 and above | 33.5% | $5,847 |
The fee is capped at $15 per $100 borrowed: $75 on a $500 loan over two weeks, repaid in one payment on your next payday. Payday loans are capped at $15 per $100 with a two business day cooling-off period.
High-cost credit licensing applies at or above 32% APR. The regulator is Consumer Protection BC.
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.
Search the lender's name on Consumer Protection BC's public licence search. Every lender serving BC borrowers must hold a licence, including online-only lenders based elsewhere. An unlicensed lender has no right to collect the borrowing fee, which makes the thirty-second check worth doing before you sign anything.
Since May 2022, BC requires a separate high-cost credit licence for lenders offering instalment loans and credit lines at 32% APR or higher. Payday loans are licensed under their own regime instead. If you are comparing a payday loan against a high-cost instalment loan in BC, both lenders should appear in Consumer Protection BC's licence search, each under the matching licence type.
No. Rollovers are prohibited in BC: a lender cannot extend your loan or issue a new one to repay the old one, and your loan cannot exceed 50% of your net pay in the first place. If you cannot repay on time, contact the lender before the due date rather than borrowing elsewhere to cover it.
