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Payday Loans Saint John

Last Updated: February 25, 2025
Written by: Amy Orr
Reviewed by: Jenna West

As a city of commerce, it’s no surprise that there are several lenders offering payday loans in Saint . If your furnace has broken down or your car won’t start, a payday loan was likely one of the first options you looked into. As payday loans in Saint John can be found on Smarter Loans but only offer a minimal amount of cash, the process for getting approved is a simple one. However, these loans are not as safe as their commonness makes them appear. Though payday loans in Saint John come with a payment period of roughly two weeks, the short term of the deal forces the provider to take advantage of the rates to make a profit. Saint John payday loans use a system of ‘renewals’ and high interest rates to make money on the borrower’s payments. In fact, if payday loans aren’t paid off incredibly quickly, they can force the borrower into a harsh cycle of debt. Despite how common payday loans in Saint John are, they are not the solution they seem

But there are new options becoming available. As online finance becomes more common, alternative lenders are quickly gaining a good reputation in the lending industry, as a much more convenient and affordable alternative to payday loans. If you’re looking to get an online loan with easy approval and fast funding time, there are now several alternative lenders available to you in Saint John. Online loans offer fast approval and access to funds in a matter of hours, so you don’t have to wait for your cash. Take a look at Smarter Loans’ extensive list of reputable lenders below, and see what they’re offering in Saint John. After picking a great and dependable lender from the list below, you can apply from their profile page, or fill out an application here on Smarter Loans and let us help find you the best lender for your situation.

Company
Amount
Interest Rate
Reviews
Terms
Up to $20,000
29.78% - 34.95%
36 months
$500 - $1,000
Varies
3 - 6 months
$20-$350
0%
N/A
$100 - $1,500
Varies
2 months
$150-$1000
30.4% APR
30 Days
$100 - $1,500
Varies
2 months
$300 - $20,000
Varies
12 - 60 Months
$500 - $1,000
29.99% - 46.96%
84 - 120 days
Company
Amount
Interest Rate
Reviews
Terms
$500 - $35,000
9.99% - 35%
9 - 84 Months
Up to $20,000
29.78% - 34.95%
36 months
$1,000 - $5,000
19.9% - 45.9%
12 - 36 months
$500 - $1,000
Varies
3 - 6 months
$20-$350
0%
N/A
$1,000 – $15,000
19.9% - 34.9%
Line of Credit
$150-$1000
30.4% APR
30 Days
$500 - $15,000
29.99% - 47.72%
12 - 60 Months
$100 - $1,500
Varies
2 months
$300 - $20,000
Varies
12 - 60 Months
Company
Amount
Interest Rate
Reviews
Terms
$5,000 - $500k
Varies
6 -12 months
$5,000-$300,000
Starting at 7.99%
Fixed, 4-18 months
$10,000-$1.5M
Starting at 7.99%
3-24 months
$5,000 - $500,000
Varies
4 - 12 months
$15,000 - $1 Million
Starting at 8%
3 - 24 Months
$5000 - $800,000
Starting at 7.99%
6 - 24 Months
$5,000 - $500,000
Starting at 7.99%
6 - 24 Months
$5,000 - $2,000,000
Starting at 7.99%
2-36 months
$5,000 - $50M
Starting at 7%
5 - 96 months
$5,000 - $500,000
Starting at 9.99%
2 Months - 2 years
$500 to $300,000
Starting at 8.39%
2, 3, 4, 6, 9, 12, 18 or 24 month terms
$5,000 - $300,000
Starting at 7.99%
3 - 12 months
$3,000 - $5,000,000
Starting at 13.99%
1 month to 60 months
$10,000 - $20M
Starting at 7.99%
3 to 120 Months
$250 - $1,000,000
Starting at 10%
3 months - 60 months
Company
Amount
Interest Rate
Reviews
Terms
$7,500 - $55,000
2.95% - 29.95%
12 - 96 months
Up to $50,000
Varies
Varies
$10,000 - $75,000
Varies
12 - 96 months
$7,500 to $50,000 (Refinance your existing auto loan)
8.99% to 19.99% (lower your auto loan interest rate)
Up to 84 months
Company
Amount
Interest Rate
Reviews
Terms
$50,000 and Above
As low as 4.09%
6 - 60 Months
$50,000 and up
Rates starting at 5.44%
5 years
$50,000 and Up
Varies
1 - 10 years
Company
Amount
Interest Rate
Reviews
Terms
$3,000 - $75,000
9.9% - 29.9%
12 months to 180 months
$5,000+
Varies
12 - 120 Months
$5,000-$300,000
Starting at 7.99%
Fixed, 4-18 months
$10,000-$1.5M
Starting at 7.99%
3-24 months
$5,000 - $500,000
Varies
4 - 12 months
$15,000 - $1 Million
Starting at 8%
3 - 24 Months
$5,000 - $500,000
Starting at 7.99%
6 - 24 Months
$5,000 - $50M
Starting at 7%
5 - 96 months
$2,500 - Unlimited
Starting at 3.9% - 34.9%
3 - 240 Months
$2500 to $5 million
Varies
18 - 84 months
Company
Amount
Interest Rate
Reviews
Terms
$5,000+
Varies
12 - 120 Months
$10,000-$1.5M
Starting at 7.99%
3-24 months
$5,000 - $500,000
Varies
4 - 12 months
$15,000 - $1 Million
Starting at 8%
3 - 24 Months
$5,000 - $500,000
Starting at 7.99%
6 - 24 Months
$5,000 - $50M
Starting at 7%
5 - 96 months
$2,500 - Unlimited
Starting at 3.9% - 34.9%
3 - 240 Months
$2500 to $5 million
Varies
18 - 84 months
Company
Amount
Interest Rate
Reviews
Terms
$5,000+
Varies
12 - 120 Months
$5,000 - $500,000
Varies
4 - 12 months
$5,000 - $50M
Starting at 7%
5 - 96 months
$2,500 - Unlimited
Starting at 3.9% - 34.9%
3 - 240 Months
$2500 to $5 million
Varies
18 - 84 months
Company
Amount
Interest Rate
Reviews
Terms
$5,000+
Varies
12 - 120 Months
$5,000-$300,000
Starting at 7.99%
Fixed, 4-18 months
$10,000-$1.5M
Starting at 7.99%
3-24 months
$5,000 - $500,000
Varies
4 - 12 months
$15,000 - $1 Million
Starting at 8%
3 - 24 Months
$5,000 - $500,000
Starting at 7.99%
6 - 24 Months
$5,000 - $50M
Starting at 7%
5 - 96 months
$2,500 - Unlimited
Starting at 3.9% - 34.9%
3 - 240 Months
$2500 to $5 million
Varies
18 - 84 months
Company
Amount
Interest Rate
Reviews
Terms
$3,000 - $75,000
9.9% - 29.9%
12 months to 180 months
$5,000 - $50M
Starting at 7%
5 - 96 months
$2,500 - Unlimited
Starting at 3.9% - 34.9%
3 - 240 Months
Company
Amount
Interest Rate
Reviews
Terms
$50,000 and Above
As low as 4.09%
6 - 60 Months
$50,000 and up
Rates starting at 5.44%
5 years
$50,000 and Up
Varies
1 - 10 years
Company
Amount
Interest Rate
Reviews
Terms
$500 - $35,000
9.99% - 35%
9 - 84 Months
Up to $20,000
29.78% - 34.95%
36 months
$1,000 - $5,000
19.9% - 45.9%
12 - 36 months
$500 - $1,000
Varies
3 - 6 months
$1,000 – $15,000
19.9% - 34.9%
Line of Credit
$500 - $15,000
29.99% - 47.72%
12 - 60 Months
$300 - $20,000
Varies
12 - 60 Months
Company
Amount
Interest Rate
Reviews
Terms
$3,000 - $75,000
9.9% - 29.9%
12 months to 180 months
$5,000+
Varies
12 - 120 Months
$2,500 - Unlimited
Starting at 3.9% - 34.9%
3 - 240 Months

Saint John Actualities

  • As per the most recent independent research, on the average each inhabitant of Saint John earns $37,300 per month.
  • On the average a household in Saint John earns an income of $69,600.
  • According to the most recent available information, there are 16,800 registered homeowners in Saint John.
  • Saint John employment rate: 60%.
  • Saint John, incorporated in 1785, is a municipality in Southcentral New Brunswick. The recent estimates put Saint John’s population at 67,600.
This data was researched in 2019 and uses various information resources, including Canada’s National Statistics Agency, etc., where the information can be as of an older date. The facts above may change as new information becomes available. We do our best to keep the information up to date.

 

Written By:

Amy Orr

Amy Orr is a professional writer and editor with over 10 years of experience in the Canadian, U.S. and U.K. financial markets. She has written for numerous publications on topics as diverse as economic literacy, corporate finance, and technical analysis of numerical data. Prior to transitioning to full-time writing, she worked in the hedge fund sector. Her academic background is astrophysics, and she has a Masters in Finance from the University of Edinburgh Business School.

Reviewed By:

Jenna West

Jenna West is Smarter Loans' in-house financial writer and content director. She has been covering the Canadian FinTech and finance industry since 2017, including financial trends analysis, industry surveys, regulatory updates and changes in Canadian consumer behaviour when it comes to finance.


What our users think...

4.5
Based on 138 reviews
powered by Google
Nate CampeauNate Campeau
5 months ago
This company is reliable, quick, and just has the best customer service and rates it is a easy process with quick results. Would definitely recommend to anyone that needs the help.
Bles4lif Pro-DreBles4lif Pro-Dre
5 months ago
Vincent JohnsonVincent Johnson
5 months ago
Good place for borrowing a bit of money 😁
Kels HillKels Hill
5 months ago
Personally love this opportunity and app. Super convenient and easy to use and super awesome variety of great loans. Thanks so much guys for making such an awesome site and app and being there for me over the years. :)
Tara HartTara Hart
5 months ago
From beginning to end, my experience was great! Very professional and personable agents. They only asked questions that were needed for the loan and payments were extremely reasonable. Would recommend to anyone who needs emergency funds.
A ScottA Scott
5 months ago
“ Thank you SO very much! My situation was tricky and you guys made the whole process so effortless. The way you guys handle the whole process so discreetly. That truly speaks to how well your office is run and the caliber of specialists who handled the processing of my entire loan!”
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