$800 Loans in Canada (2026)
Need $800 before your next paycheque? It’s a common amount for mid-size emergencies — a car repair, a medical bill, or catching up on rent. Payday lenders can usually deliver it fast, but speed comes at a price: maximum legal fees add more than $100 to what you repay. This page breaks down the real cost province by province, how quickly e-transfer funding lands, and lower-cost alternatives.
What does an $800 loan cost?
Provincial law caps payday loan fees per $100 borrowed. Applied to $800, the maximums look like this:
| Province | Max fee | Total due |
|---|---|---|
| Ontario | $112 | $912 |
| Manitoba | $136 | $936 |
| New Brunswick | $120 | $920 |
| Prince Edward Island | $112 | $912 |
Other provinces: fee caps vary — confirm the current maximum with your provincial regulator.
Worked example: In Ontario, borrowing $800 costs at most $112 in fees. You’d repay $912 on your next payday.
How fast can you get $800?
Interac e-transfer is the standard funding method, and $800 loans are often paid out within hours of approval on business days. Evening, weekend, or holiday applications usually wait until the next business day. Be suspicious of any lender demanding an advance fee — that’s the hallmark of a loan scam, not a real lender.
Cheaper alternatives to consider
- Sell unused electronics, tools, or furniture for quick cash with zero interest.
- Ask a trusted family member for a short-term, interest-free bridge — put the repayment date in writing.
- Look into community or non-profit emergency loan programs in your area.
Frequently asked questions
How fast is e-transfer funding really?
Often within a few hours of approval via Interac e-transfer — sometimes minutes. Delays usually come from applying outside lender hours or bank processing cutoffs, so apply early on a business day if the money is urgent.
What happens if I can’t repay on time?
Tell the lender immediately; in many provinces they must offer you a way to extend or restructure repayment. Ignoring it leads to added charges, collections, and credit harm — and rolling it into a new payday loan only deepens the hole.
Can I get a payday loan in Quebec?
In Quebec, the maximum allowable annual rate is 35% — far below what payday lenders charge elsewhere — so payday loans as such don’t exist there. Quebec residents after $800 are better served by installment lenders or credit unions.
Do I need a job to get an $800 loan?
You need a regular, verifiable source of income — but not necessarily a job. Pensions, disability benefits, and steady government payments often qualify. What lenders want is predictable money hitting your account on schedule.
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