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| Segment | Share | Average request |
|---|---|---|
| Everyday, under $1,500 | 68.6% | $469 |
| Instalment, $1,500 and above | 31.4% | $5,538 |
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.
No separate provincial licensing. The regulator is Service Nova Scotia.
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.
Uniquely in Canada, Nova Scotia's Utility and Review Board sets the maximum cost of borrowing through public rate hearings, the same body that reviews power rates. The current maximum matches the federal $14 per $100 cap. The hearing records are public, which makes Nova Scotia the one province where you can read the evidence behind your loan's price.
$42 in fees at the $14 per $100 maximum, repaid as $342 on your next payday. Nova Scotia's cap has fallen twice in recent years, from $19 to $15 and now to $14 under the federal ceiling.
In writing, within 48 hours for an online loan or by the end of the next business day for a storefront loan. The lender must give you a cancellation form with the loan and must issue a receipt once you return the money. No reason is required and no cancellation fee is allowed.
