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At $100 to $1,500 seven of the eight lenders listed charge the same price, $14 per $100, because the law sets it; the eighth lists an instalment loan priced as an APR under the 35% cap. What changes the cost is not which lender you choose but which product, and there are two.
A payday loan, repaid in full on your next pay date. The fee is the whole cost, and for a bill due before Friday it is the cheapest fast money there is.
A short-term loan, repaid over two or three months under the 35% federal cap. $500 over three months at the cap costs roughly $29 in interest against $70 for a two-week payday loan, and the payments are smaller because they are spread.
If you can repay in full on the date, the first. If you cannot, the second, every time, because a second payday loan to cover the first is how a small problem stops being small. The short-term loans and cash loans pages list the lenders for the second, and the same application reaches them.
Because the fee scales with every $100. A lender that approves $1,500 when you need $400 is offering you $154 of fees on money you did not need. Enter the bill, not the limit; a $400 bill is a $400 loan.
Every lender listed considers poor credit, most set no minimum score, and the decision is made on your bank deposits and your pay date. Income minimums run from $800 to $2,000 a month depending on the lender, from any regular source.
The provincial caps, what happens on a repeat loan, and the products that beat a payday loan at this size are on the payday loans in Canada page; the emergency loans page covers zero-interest advances on the smallest amounts.
Apply once. Our application reaches every lender listed and is sent where you are most likely to qualify.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans. Last reviewed 17 September 2026. Lender figures are the lenders' published terms as checked August 2026; the short-term comparison is illustrative.
$100 to $1,500, which is the range seven of the eight lenders listed offer as a payday loan at $14 per $100, and the range where most Canadian borrowing happens. The eighth lists an instalment loan from $100 to $20,000 at an APR under the 35% cap, repaid over months; above $1,500 that is the product.
As a payday loan, $14 for every $100 borrowed, repaid in full on your next pay date; $500 costs $70. As a short-term loan under the 35% cap repaid over three months, $500 costs roughly $29 in interest. Which is cheaper depends on whether you can repay on the date.
Yes. Every one of the eight lenders listed considers poor credit, and most set no minimum score. Seven of the eight pay out within 24 hours, and the decision is made on your bank deposits and your pay date.
The bill, not the limit. The fee scales with every $100, so a $400 bill borrowed as $1,500 costs $154 more in fees than it needs to. Enter the amount you need on the application.
A regular income of at least $800 to $2,000 a month depending on the lender, a bank account it is paid into, and your online banking login. No interview, no employment letter, and with most lenders no minimum score.
