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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.
