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| Segment | Share | Average request |
|---|---|---|
| Everyday, under $1,500 | 66.5% | $486 |
| Instalment, $1,500 and above | 33.5% | $5,847 |
Term length dominates total cost more than rate does. A longer term lowers the payment and raises the total, and on a near-cap rate the difference over 60 months against 36 is substantial. Decide the term by the shortest payment you can genuinely carry, not the lowest payment offered.
Verification is deeper here than on small amounts: income is confirmed rather than declared, and repayment is assessed against your existing commitments. 11 of 13 lenders serving British Columbia accept any income type; the rest require employment or self-employment income.
High-cost credit licensing applies at or above 32% APR. The regulator is Consumer Protection BC.
Any instalment loan or credit line at 32% APR or higher. Since May 2022, BC lenders offering these need a dedicated high-cost credit licence from Consumer Protection BC, which adds disclosure requirements and cancellation rights on top of the standard rules. Many of the lenders serving BC price their upper range above 32%, so this licence applies to a real share of the market.
35% APR under the federal criminal rate, fees included. Between 32% and 35% sits BC's high-cost band, legal but requiring the extra licence and disclosures. Below 32%, standard consumer credit rules apply.
Yes, of the lenders serving BC approve on income and banking history instead of a credit score. If the rate lands at or above 32% APR, the lender must hold BC's high-cost credit licence, which you can verify by name on Consumer Protection BC's search before applying.
