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| Segment | Share | Average request |
|---|---|---|
| Everyday, under $1,500 | 63.4% | $505 |
| Instalment, $1,500 and above | 36.6% | $5,751 |
At this size the structure decides the cost more than the lender does. A 0% advance costs nothing and repays from your next deposit. A payday loan at Alberta's $15 per $100 cap costs $75 on $500 for two weeks, repaid in one payment. A small instalment loan spreads repayment and costs roughly $6 in interest over the same two weeks at 30% APR, but only stays cheap if it is paid down quickly.
Alberta requires a high-cost credit licence for lending at or above 32% APR, and nearly all lending at this credit band sits above that threshold. The register is public: check it before signing anything near the cap.
Worth checking before borrowing. Each costs less than any loan.
Any credit product at 32% APR or higher. Alberta was the first province to license this band, in 2019, and lenders in it owe you extra disclosures and cancellation rights. With the federal cap now at 35%, Alberta's high-cost band is a narrow three-point window, but several of the lenders serving Alberta price within it.
35% APR, fees included, under the federal criminal rate. Alberta layers its high-cost licence on top from 32% up, so anything you are offered between 32% and 35% should come from a lender in Service Alberta's registry with that licence class.
Yes. Most of the lenders serving Alberta accept fair or poor credit, and approve without a credit check. Alberta's oil-cycle economy means lenders here are more accustomed to income volatility than in most provinces; recent bank statements showing current income matter more than an old credit event.
