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| Segment | Share | Average request |
|---|---|---|
| Everyday, under $1,500 | 59.3% | $567 |
| Instalment, $1,500 and above | 40.7% | $6,931 |
Payday lending does not operate in Quebec, and that is a saving rather than a restriction. $500 for two weeks costs about $70 in Ontario and about $7 in Quebec at the 35% cap. The 35% cap applies to every credit contract in the province, not only to small loans.
The rate is capped; membership and brokerage fees are not. The contract must state the total repayable, and that total is the only honest comparison between two offers.
The Office de la protection du consommateur does not issue permits above 35% annual interest. Where a rate exceeds the Bank of Canada rate plus 22 points, added obligations apply, including an ability-to-pay assessment.
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.
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, and in practice lower for much of the market: Quebec treats anything above the Bank of Canada rate plus 22 points as high-cost credit, triggering extra obligations including a mandatory assessment of your ability to repay. It is the most protective credit regime in the country, which is also why fewer lenders serve Quebec than any other large province.
Quebec requires a provincial lending permit, applies the high-cost credit regime with its ability-to-pay assessment, and never designated a payday loan framework, so the $14 per $100 payday product common elsewhere does not exist here. The lenders on this page hold Quebec permits and price under the caps; they are the market, not a sample of it.
Yes. of the Quebec-permitted lenders on this page approve without a credit check, basing decisions on income and banking history. Because of the ability-to-pay assessment, expect to show more income documentation than in other provinces; it is the regime working as designed, not the lender stalling.
