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Five numbers. A Manitoba payday loan costs at most $14 per $100, every fee included. It can be no more than $1,500, or 30% of your net pay. It runs no longer than 62 days. You can cancel within 48 hours, not counting Sundays and holidays.
| Manitoba rule | What it means for you |
|---|---|
| Price | At most $14 per $100, every fee included |
| Largest loan | $1,500, and no more than 30% of your net pay |
| Longest term | 62 days |
| Cancelling | Within 48 hours, not counting Sundays and holidays |
| A second loan within seven days, or an extension | No more than $5 per $100 |
| Licence | Every payday lender serving Manitoba residents needs a Consumer Protection Office licence |
A second loan within seven days of repaying the first, or an extension, can cost no more than $5 per $100.
Smaller amounts than any other province. More than half of Manitoba small-loan requests on our platform are under $500, averaging about $220. That is a bigger share than in any other province. Only one in seven is for $1,000 or more.
All five lend online, and all pay out within 24 hours, two within the hour. Four set no minimum credit score, and one considers poor credit. Income minimums run from $800 to $1,500 a month. Our application reaches all five at once.
About a quarter of Manitoba applicants live on benefits. None of the five lenders lists benefits as income it accepts.
When the 30% limit or the 62 days do not cover what you need. A short-term loan under the 35% federal cap spreads the payments over months. The personal loans in Manitoba page lists the nine personal lenders that serve the province. Every payday lender we work with is on the payday loans in Canada page.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans, 4 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
Manitoba caps it at $14 per $100 borrowed, every fee included. A $500 loan costs $70.
You can borrow up to $1,500, but never more than 30% of your net pay.
Yes. Manitoba lets you cancel within 48 hours, not counting Sundays and holidays.
A second loan within seven days of repaying the first can cost no more than $5 per $100, and the same limit applies to an extension.
More than half of Manitoba requests under $1,500 are under $500, a bigger share than in any other province. Figures are from Smarter Loans applications, January to June 2026.
