Provinces and territories
The rules change at the provincial border
Consumer protection, lender licensing and payday cost caps are provincial in Canada. Thirteen jurisdictions, each with its own regulator and its own complaint route.
Every jurisdiction we cover
Population figures are 2021 Census counts for the cities covered on this site.
| Jurisdiction | Capital | Cities with pages | Combined 2021 population |
|---|---|---|---|
| Newfoundland and Labrador | St. John's | 22 | 310,732 |
| Prince Edward Island | Charlottetown | 7 | 87,944 |
| Nova Scotia | Halifax | 50 | 921,818 |
| New Brunswick | Fredericton | 44 | 516,287 |
| Quebec | Quebec City | 261 | 7,506,108 |
| Ontario | Toronto | 271 | 13,971,498 |
| Manitoba | Winnipeg | 46 | 1,124,778 |
| Saskatchewan | Regina | 24 | 726,645 |
| Alberta | Edmonton | 117 | 4,048,342 |
| British Columbia | Victoria | 153 | 4,608,615 |
| Yukon | Whitehorse | 1 | 28,201 |
| Northwest Territories | Yellowknife | 3 | 26,646 |
| Nunavut | Iqaluit | 1 | 7,429 |
Pick your province
Find out what you qualify for
One short form, passed to a licensed lender or matching partner. Free, with no obligation to accept an offer.
LoanLoon is not a lender. We do not make credit decisions, set rates, or guarantee approval. The lowest rates are only available to the most qualified applicants.
Start with the rule, not the rate
Two provinces can offer the same product at very different lawful costs, because payday lending is regulated provincially within a federal framework and Quebec does not license it at all. Before comparing offers, read the rule that applies where you live — then compare.
Sources and further reading
- Provincial and territorial consumer regulators — Financial Consumer Agency of Canada
- Criminal Code s. 347 — criminal rate of interest — Justice Laws Website
- Payday Lending Regulations SOR/2024-114 — Canada Gazette