One application. 14 lenders from our 50+ network. Funded in 24 to 48 hours.
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Every Apply button starts the same single application. Your chosen lender is prioritized first.
| Segment | Share | Average request |
|---|---|---|
| Everyday, under $1,500 | 66.3% | $511 |
| Instalment, $1,500 and above | 33.7% | $5,684 |
New Brunswick has no separate provincial licensing band, so the federal 35% cap governs entirely, with a $15 payday cap on top of it.
No separate provincial licensing. The regulator is the Financial and Consumer Services Commission.
Four gates, in the order lenders apply them.
The rest require employment or self-employment. This field decides more applications than credit score does.
Income floor is absolute. Most lenders publish a minimum monthly income, most commonly $1,500 per month. Below a lender's floor, nothing else compensates.
Credit is more flexible than expected. 9 of 14 lenders serving New Brunswick approve applicants below a 560 credit score. A decline is one lender's threshold, not the market's.
Banking history can replace credit history. Lenders that connect read-only to your account assess deposit regularity rather than your file, approve applications a bureau score would decline, and fund fastest.
Worth checking before borrowing. Each costs less than any loan.
35% APR under the federal criminal rate, fees included. New Brunswick's Cost of Credit Disclosure and Payday Loans Act adds the requirement that every cost be disclosed in writing before you sign, enforced by FCNB, which also publishes its licensee lists.
New Brunswick caps payday loans at 30% of your most recent pay stub's net pay, one of only two provinces that strict, so a $2,000 paycheque limits you to about $600. The instalment lenders on this page are not bound by that limit and assess your full income instead, which for amounts above a few hundred dollars usually makes them both the larger and the cheaper option.
Yes. Most of the lenders serving New Brunswick accept fair or poor credit, and approve without a credit check, funding by e-Transfer the same day in most cases.
