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Payday loans in Kamloops: licensed lenders, costs and local help

Kamloops residents can only borrow from payday lenders licensed in British Columbia. The legal maximum is $14 per $100 borrowed, with one loan at a time and no more than half of your net pay. You can cancel within two business days at no cost. Borrowing $400 costs $56.

Last reviewed November 7, 2026

Max cost
$14 per $100
Max loan
$1,500
Max term
62 days
Cancel within
2 business days
Regulator
Consumer Protection BC

Payday loan rules are set by each province and can change. Figures on this page were last checked on November 7, 2026 against Consumer Protection BC. Always confirm with the lender’s contract and your regulator.

Apply from here

$500
Most a payday loan can cost
$70
You’d pay back
$570

Based on the $14 per $100 legal maximum. Lenders can charge less, never more.

About 3 minutes. Koke is not a lender; we may be paid when you apply. No SIN or banking login asked.

Who lends payday loans here?

Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.

Cash Money

5.0/5

Cost per $100
$14.00
Borrow up to
$1,500
Funding
Next business day
Apply
Online and in-store

Licence verified AB, BC, MB, NB, NL, NS, ON, SK

Apply now Read review

Money Mart

5.0/5

Cost per $100
$14.00
Borrow up to
$1,500
Funding
Same day
Apply
Online and in-store

Licence verified AB, BC, MB, NS, ON, SK

Apply now Read review

Pay2Day

5.0/5

Cost per $100
$14.00
Borrow up to
$1,500
Funding
Same day
Apply
Online and in-store

Licence verified AB, BC, NS, ON

Apply now Read review

Speedy Cash

5.0/5

Cost per $100
$14.00
Borrow up to
$1,500
Funding
Same day
Apply
Online and in-store

Licence verified AB, BC, MB, NB, NL, NS, ON, SK

Apply now Read review

No storefronts confirmed in the last 90 days. Lenders listed above serve Kamloops online.

Kamloops sits where two highways and two rail lines meet, and a lot of local pay comes from rail, trucking, mining, forestry and the hospital. Those jobs pay decently but can be lumpy: rotations, layoffs at the mill, a truck that needs tires before it can work. When the gap is a repair that lets you keep earning, a payday loan is tempting because it's fast. It's worth ten minutes to compare it against the options below first.

What if my work truck or car breaks down?

For a lot of people in the Thompson region, a car isn’t optional: the mine, the mill and many shifts are a drive away. Ask the repair shop about a payment plan before you borrow; many will split a bill over two or three paydays. If you bank with a credit union, Interior Savings and others offer small personal loans or overdraft protection that cost far less than $14 per $100.

How do wildfire and smoke seasons affect borrowing?

Evacuation alerts, lost shifts and extra costs during fire season can wreck a budget. If you’re evacuated, register with Emergency Support Services; they can help with food, lodging and some essentials at no cost. That’s money you don’t have to borrow.

Where else can I get help in Kamloops?

The Kamloops Food Bank supports households across the city. Students at Thompson Rivers University can ask about emergency bursaries through student awards. For debts that keep piling up, the Credit Counselling Society offers free advice by phone and can set up a single repayment plan with your lenders.

If you do borrow, remember the BC rules: a lender can’t issue you a second loan while the first is outstanding, can’t roll one loan into another, and can’t sell you insurance or charge extra if you pay early.

What if I live outside the city?

People come into Kamloops to borrow from Merritt, Chase, Barriere, Logan Lake and Clearwater. If you’re driving in, count the fuel and time, especially if you might need to come back to repay or cancel. An online lender licensed in BC can be simpler for rural borrowers, as long as you check the licence on Consumer Protection BC’s website first.

A worked example: a $600 brake job paid with a payday loan costs up to $84 in fees, and the full $684 comes out of one paycheque. Split over three paydays with the garage instead, it costs nothing extra.

Is there somewhere cheaper to try first?

Kamloops Food Bank

Food support for Kamloops households.

Credit Counselling Society

Non-profit credit counselling by phone, video or in person. Advice is free, and they can set up one affordable repayment plan with the people you owe.

Visit website

bc211

Free, confidential referrals to help with food, rent, utilities and emergencies anywhere in BC. Dial 2-1-1 any time.

211

Visit website

What will it cost?

Pre-filled with your province’s legal maximum. Lower it if your lender charges less.

Fee
—
Total to repay
—
Due date
—
Annual rate (APR)
—

Same amount on a credit card cash advance (assuming 22.99% APR plus a $5 fee): —

Payday loans are one of the most expensive ways to borrow. These figures are estimates. Your lender’s contract shows the real cost and must follow your province’s rules.

Results are estimates for illustration only. Your actual cost, due date and terms are in your loan agreement.

Compare licensed lenders in British Columbia See cheaper options first

Common questions

Can a payday lender in Kamloops give me a second loan to pay off the first?

No. BC lenders can't roll over a loan or issue a new one to pay off an old one, and can't give you more than one loan at a time.

Is there help if I'm evacuated during wildfire season?

Yes. Register with Emergency Support Services for help with food, lodging and some essentials at no cost.

What does a $400 payday loan cost in Kamloops?

Up to $56 at the $14 per $100 maximum.

Nearby

Kamloops neighbourhoods

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Reviewed by Trust Pilot, Accredited Financial Counsellor Canada® on November 7, 2026. Our editorial standards

Sources

Update log

  • — Page published; provincial rules and local help checked.