One application. 7 lenders.
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Fewer people than you might expect. Vancouver made about one in ten of BC's small-loan applications on our platform. Nearly half of Vancouver applicants have a fair score, between 560 and 659, so credit is rarely what stops them.
The same as anywhere in BC. A lender can charge at most $14 per $100, every fee included, on a loan of up to $1,500 repaid within 62 days. A $500 loan costs $70. Every payday lender in BC needs a Consumer Protection BC licence.
The seven on the payday loans in British Columbia page, all online. Six pay out within 24 hours, two within the hour, and all seven within two days. Five set no minimum credit score, and two consider poor credit. Income minimums run from $800 to $2,000 a month.
Our application reaches all seven at once, and the twelve lenders on the cash loans in Vancouver page too.
When you cannot repay within 62 days. A short-term loan under the 35% federal cap spreads the payments over months and costs less. Every payday lender we work with is on the payday loans in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 6 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
BC caps it at $14 per $100 borrowed, so a $500 loan costs $70.
Seven lenders in our network do, all online, and six pay out within 24 hours.
Nearly half of Vancouver applicants have a fair score, between 560 and 659. Figures are from Smarter Loans applications, January to June 2026.
Yes. Five of the seven lenders set no minimum score, and the other two consider poor credit.
Consumer Protection BC licenses every payday lender in the province, online or in a store.
