Installment loans by province
Each province sets its own rules for high-cost loans and payday loans. Pick yours to see what applies, what a loan typically costs, and who you can contact if something goes wrong.
Choose your province
The lenders in our network offer the same typical terms in every province: $300 to $3,000, repaid over 90 to 120 days at 22% to 32% APR. What changes is the local law.
| Province | What stands out |
|---|---|
| British Columbia | Loans above 32% APR are high-cost credit; lenders and brokers need a Consumer Protection BC licence. |
| Saskatchewan | No separate high-cost regime, but the APR and total cost must be shown, and early repayment is penalty-free. |
| Manitoba | Broad high-cost rules for loans of $5,000 or less, licensed lenders, and 48 hours to cancel. |
| Ontario | Federal 35% cap and disclosure rules; separate, detailed payday loan protections. |
| Quebec | Every lender needs an OPC permit; no payday loan system; high-cost credit adds an affordability check. |
| New Brunswick | Penalty-free early repayment; a 2024 law will license high-cost lenders once in force. |
| Nova Scotia | Lenders other than banks and credit unions need a permit and must show the cost in dollars and as a rate. |
| Prince Edward Island | Cost must be disclosed as an APR, and lenders can't charge you for repaying early. |
The national rules
Wherever you live, the Criminal Code caps most consumer loans at a 35% annual percentage rate, including fees. It has applied since January 1, 2025. Provinces that regulate payday loans allow them to cost up to $14 for every $100 borrowed instead, which works out to about 365% a year on a two-week loan.
How 911cash fits in
911cash is not a lender. We send one application to lenders in our network, and the lender that approves you sets the rate, fees and schedule. Compare your options first in our guide to payday loan alternatives.
Ready to apply?
About five minutes, and you only agree to a loan when you sign a lender's contract.