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A federal price and a provincial licence. Federal rules cap a payday loan at $14 per $100, every fee included. Every payday lender serving New Brunswickers must be licensed by the Financial and Consumer Services Commission, even if it lends only online. Out-of-province lenders get no exception. Check the Commission's register before you borrow.
| New Brunswick rule | What it means for you |
|---|---|
| Price | $14 per $100 borrowed, every fee included |
| Largest loan | The lenders listed lend up to $1,500 |
| Licence | Every payday lender serving New Brunswickers needs a Financial and Consumer Services Commission licence, online or in a store |
| Out-of-province lenders | No exception; they need the same licence |
| On $500 | You repay $570 |
Bills and medical costs. Nearly one in five small-loan requests from New Brunswick on our platform is for a medical cost, more than in any other province. Those average about $460. Three in ten are to catch up on bills.
| Reason | Share of New Brunswick requests | Average request |
|---|---|---|
| Pay off bills | 30.5% | $545 |
| Other | 27.8% | $472 |
| Medical expenses | 18.3% | $463 |
Smarter Loans platform, 938 applications from New Brunswick for $100 to $1,499, 1 January to 30 June 2026.
Both lend online and pay out within 24 hours of approval, one within the hour. Both consider a score under 560. Income minimums run from $800 to $1,000 a month. Our application reaches both, and the thirteen personal lenders on the personal loans in New Brunswick page too.
When you need more than one pay period. A short-term loan under the 35% federal cap spreads the payments over months, which suits a medical bill you cannot clear on payday. Every payday lender we work with is on the payday loans in Canada page.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans, 6 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
Federal rules cap it at $14 per $100 borrowed. A $500 loan costs $70.
Yes. Every payday lender serving New Brunswickers must be licensed by the Financial and Consumer Services Commission, even online.
Two lenders in our network do, and both pay out within 24 hours.
Nearly one in five requests is for a medical cost, more than in any other province. Figures are from Smarter Loans applications, January to June 2026.
Yes. Both lenders consider a score under 560.
