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$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.
