From Moncton to Fredericton to Saint John, New Brunswickers sometimes need cash before payday. Whether it’s an unexpected car repair in the Hub City or a shortfall before your next paycheque in the capital, here’s what you need to know about payday loans in New Brunswick.
What it costs in New Brunswick
Maximum $15 per $100 borrowed — a $500 loan costs at most $75 in fees. New Brunswick’s regulator FCNB (Financial and Consumer Services New Brunswick) enforces this cap. You can cancel within 2 business days.
How borrowing works in New Brunswick
- Apply once online through our free, no-obligation form.
- Compare real offers with the fee, term, and repayment date clearly shown.
- Choose and get funded by e-transfer, often within hours.
No credit check payday loans in New Brunswick
Some lenders don’t perform hard credit checks, but they will verify your income and banking information. No legitimate lender can guarantee approval — be cautious of anyone who promises guaranteed acceptance.
New Brunswick FAQs
What is the maximum payday loan fee in New Brunswick?
$15 per $100 borrowed. A $500 loan costs at most $75 in fees.
How fast can I get the money in New Brunswick?
Many lenders send funds by e-transfer within hours of approval, sometimes in as little as 15-30 minutes during business hours.
Can I cancel a payday loan in New Brunswick?
Yes. You can cancel within 2 business days of taking the loan. FCNB oversees this right — contact them if a lender won’t honour it.
Are payday loans legal in New Brunswick?
Yes. Payday lending is legal and regulated in New Brunswick by FCNB. Lenders must be licensed.
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Loonie365 is a free referral service, not a lender.