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Seven in the Smarter Loans network, from $15 advances to $35,000 instalment loans at rates from 0% on the smallest fee-priced advances up to the 35% federal cap. Every one lends online, and in a territory with one city that matters more than anywhere else in Canada: the application, the decision and the deposit happen from your phone, and a borrower in Dawson City or Haines Junction is served the same way as one in Whitehorse. Four of the seven pay out within 24 hours, one within the hour and all seven within two days; all seven consider a score under 560; income minimums run from $1,000 to $2,000 a month from any regular source.
No. Yukon has no payday lending regime, and without one a lender cannot charge the $14 per $100 that provinces with a regime allow for a two-week loan, which is far above 35% as an annual rate. The federal criminal interest rate caps every loan in the territory at 35% APR, no lender listed prices above it, and no payday lender in the Smarter Loans network serves Yukon. What you can get instead is an advance priced by a flat fee and repaid on your pay date, or a short-term loan under the cap: $500 over three months at 35% costs about $29 in interest, against $70 for a two-week payday loan in a province that allows one. Any company offering a payday loan in Whitehorse is offering something it cannot lawfully price.
From 0% to 35%. A fee-priced advance under $1,500 carries no interest and a flat fee, and is the cheapest money on the page when repaid on the date. An instalment loan is priced by score: a good one from the low teens, a fair one in the twenties, a poor one toward the cap. On $5,000 over 36 months, 20% costs about $1,689 in interest and 35% about $3,142, a difference of roughly $1,450, which is why a loan repaid cleanly for a year and then refinanced at a rate that reflects the new score is the route out of the top tier.
| Borrowing $500 | How it is priced | What it costs | Repaid |
|---|---|---|---|
| Everyday advance | Flat fee, 0% interest | The lender's fee, stated before you accept | On your next pay date |
| Payday loan | Not available in Yukon | ||
| Short-term loan | APR, up to the 35% federal cap | About $29 in interest at 35% | Over three months |
| Instalment loan | APR by credit score | About $56 in interest at 20% | Over twelve months |
Interest figures are illustrative, calculated on $500 at the stated rate and term.
Income of at least $1,000 to $2,000 a month depending on the lender, from any regular source, and the label you give it decides which lenders see the application: full-time, seasonal, self-employed, on disability or on benefits. Three months of bank statements, read through your online banking login, because the lenders listed decide on deposits before the score. A Yukon address and a bank account the money can be sent to. No employment letter, no interview.
Every personal lender in the network is on the personal loans in Canada page, and the lenders that lend below 560 across the network are on the bad credit loans in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans. Last reviewed 25 September 2026. Lender figures are the lenders' published terms as checked August 2026; the cost examples are illustrative.
Seven in the Smarter Loans network serve Yukon, from $15 to $35,000 at 0% to 35%. Four pay out within 24 hours, one within the hour, and all seven consider a score under 560.
Yes. All seven lenders listed consider a score under 560, and the decision is made on three months of bank statements more than on the score; a poor score is priced toward the 35% cap rather than declined.
No. Yukon has no payday lending regime, so the federal criminal interest rate caps every loan at 35% APR and the $14 per $100 payday product cannot operate here; the seven lenders listed offer advances and short-term loans under that cap instead.
No. Every lender listed lends online; the application, the decision and the deposit happen from your phone, and the money arrives by e-transfer anywhere in the territory.
You need at least $1,000 to $2,000 a month depending on the lender, from any regular source that arrives on a fixed date, shown in three months of bank statements.
