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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.
