CashWaves connects Canadians in every province with licensed payday lending partners. Find loan resources, regulations, and guidance for your province.
Payday lending is regulated at the provincial level. Click your province to learn about available loan options and local regulations.
Canada's largest province with the most robust payday lending framework. Regulated by FSRA with strict borrower protections in place.
BC has strong consumer protection laws for payday lending, overseen by Consumer Protection BC. Borrowers enjoy some of Canada's strongest rights.
Alberta regulates payday lending through Service Alberta. The province allows a maximum of $15 per $100 borrowed and requires full cost disclosure.
Manitoba's Consumer Protection Office oversees payday lending. The province offers one of the most borrower-friendly regulatory environments in Canada.
Saskatchewan regulates payday loans under the Consumer Protection and Business Practices Act, providing clear rules for lenders and borrowers alike.
Quebec has unique consumer credit laws under the Consumer Protection Act. Payday loan rates are tightly capped, with strong transparency requirements for all lenders.
PEI residents can access short-term loan resources through CashWaves. The province follows federal lending guidelines with additional provincial consumer protections.
Nova Scotia's Consumer Protection Act governs payday lending. Service Nova Scotia oversees compliance to ensure lenders meet all provincial requirements.
New Brunswick residents can access CashWaves resources. The province regulates payday loans under the Cost of Credit Disclosure and Payday Loans Act.
We are actively expanding our lending partner network to better serve Newfoundland and Labrador. Resources and guides are available now.
Payday lending is regulated provincially. Here's a quick comparison of key rules across Canada.
Find payday loan resources and licensed lenders in these major Canadian cities.
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