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Because the province never set up payday rules. Elsewhere, provincial rules let a lender charge $14 per $100 for a short loan. Without them, every Quebec loan falls under the federal 35% cap, and a two-week loan at that price would break it.
The Office de la protection du consommateur also requires every lender other than a bank, caisse or trust company to hold a permit. It can refuse a permit to a lender charging above 35%.
A small line of credit or an installment loan. Seven lenders in our network offer them in Quebec, from $15 advances to $20,000 loans, all under the 35% cap. All seven lend online. Four pay out within 24 hours, one within the hour, and all seven within two days.
All seven consider a score under 560, and income minimums run from $1,000 to $1,500 a month. Our application reaches all seven at once. The same seven are on the personal loans in Quebec page.
Larger amounts than any other province. Quebec requests under $1,500 on our platform average about $570. More than four in ten are for $500 to $999, and about a third are under $500.
| Amount asked for | Share of Quebec requests | Average request |
|---|---|---|
| $100 to $499 | 33.9% | $250 |
| $500 to $999 | 43.6% | $581 |
| $1,000 to $1,499 | 22.5% | $1,028 |
Smarter Loans platform, 1,858 applications from Quebec for $100 to $1,499, 1 January to 30 June 2026.
The payday loans in Montreal page shows what people in Montreal borrow.
A line on price, and a right to cancel. Quebec treats credit above 22 points over the Bank Rate as high-cost. With the Bank Rate at 2.5%, the line is 24.5%. On a high-cost loan you can cancel within 10 days at no cost, and the lender must check you can repay before you sign. A debt ratio above 45% is presumed excessive.
Every payday and short-term option we work with across Canada is on the payday loans in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 4 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
No. Quebec has no payday lending rules, so every loan falls under the federal 35% cap. Seven lenders in our network offer small lines of credit and installment loans instead.
You can borrow $15 to $20,000 from seven lenders in our network, priced under 35% and repaid over time.
Quebec requests under $1,500 average about $570. More than four in ten are for $500 to $999. Figures are from Smarter Loans applications, January to June 2026.
Yes. On a high-cost credit contract, Quebec lets you cancel within 10 days of receiving your copy, at no cost.
Yes, unless it is a bank, caisse or trust company. The Office de la protection du consommateur can refuse a permit to a lender charging above 35%.
