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Not much. Almost half of small-loan requests from Vancouver on our platform are under $500, averaging about $230. About a third are for $500 to $999. The average request is about $490.
| Amount asked for | Share of Vancouver requests | Average request |
|---|---|---|
| $100 to $499 | 47.0% | $227 |
| $500 to $999 | 34.5% | $563 |
Smarter Loans platform, 368 applications from Vancouver for $100 to $1,499, 1 January to 30 June 2026. The $1,000 to $1,499 group is too small to report.
Bills drive it. Nearly four in ten requests are to catch up on bills, averaging about $510. Just over half of applicants work full-time, and more than a quarter live on benefits.
It depends on when you can repay. A BC payday loan costs at most $14 per $100, up to $1,500, and must be repaid within 62 days. A $500 payday loan costs $70. If you need longer, a short-term loan under the 35% federal cap spreads the payments over months. Our application sends you to the one that fits.
Twelve of the fifteen on the national cash loans in Canada page. All twelve are among the thirteen on the personal loans in British Columbia page.
Seven pay out within 24 hours, three within the hour, and all twelve within two days. Eight consider a score under 560. Income minimums run from $1,000 to $2,500 a month.
Consumer Protection BC. A payday lender needs its licence, and so does any lender charging above 32% a year. Ask any lender for its licence number before you sign. The payday loans in Vancouver page covers the city's payday lenders.
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.
It is either a BC payday loan at up to $14 per $100 or a short-term loan under the 35% cap. Our application sends you to the one that fits.
Twelve lenders in our network serve Vancouver, and seven pay out within 24 hours.
Vancouver small-loan requests average about $490, and almost half are under $500. Figures are from Smarter Loans applications, January to June 2026.
Yes. Eight of the twelve lenders serving Vancouver consider a score under 560.
A BC payday loan must be repaid within 62 days and cannot be larger than $1,500.
