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More than a quarter. Of 1,320 New Brunswick applications on our platform, more than a quarter came from people with a score under 560. More than a quarter had no score at all, and more than four in ten had a fair score.
| Credit score | Share of New Brunswick applications |
|---|---|
| Under 560 | 27.3% |
| 560 to 659 | 41.7% |
| No score on file | 28.3% |
Smarter Loans platform, 1,320 personal loan applications from New Brunswick, 1 January to 30 June 2026. The 660 and up group is too small to report.
About $1,800 on average, for applicants under 560. Across all applicants, one in six is paying a medical cost, averaging about $1,000. More than one in five lives on benefits.
Nine of the thirteen on the personal loans in New Brunswick page, all online. Six pay out within 24 hours, two within the hour, and all nine within two days. Income minimums run from $1,000 to $2,000 a month. Our application reaches all nine at once.
The federal cap, and licensing for payday lenders. No consumer loan can charge more than 35% APR, and no lender listed goes above it. A payday loan costs at most $14 per $100, from a lender licensed by the Financial and Consumer Services Commission.
The payday loans in New Brunswick page sets out those rules. Every lender we work with that lends below 560 is on the bad credit 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.
Yes. Nine lenders in our network lend below 560 in New Brunswick, and all nine lend online.
New Brunswick applicants under 560 ask for about $1,800 on average. Figures are from Smarter Loans applications, January to June 2026.
More than a quarter of New Brunswick applicants have a score under 560, and more than a quarter have none. Figures are from Smarter Loans applications, January to June 2026.
The Financial and Consumer Services Commission does, including lenders that only operate online.
Six of the nine lenders pay out within 24 hours, two within the hour, and all nine within two days.
