- 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
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.
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.
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licence verified AB, BC, SK
- Cost per $100
- $14.00
- Borrow up to
- $25,000
- Funding
- Next business day
- Apply
- Online and in-store
Licensed per lender AB, BC, MB, NB, NL, NS, ON, PE, SK Confirm with regulator
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, MB, NB, NS, ON, PE
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
- 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
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, ON
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licence verified AB, BC, NS, ON
- 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
- Cost per $100
- $14.00
- Borrow up to
- $35,000
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, MB, NB, NL, NS, ON, PE, SK
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online
Licence verified AB, BC, ON
- Interest rate
- 9.99% to 35% APR (unsecured from 29.99%)
- Borrow up to
- $20,000
- Funding
- Next business day
- Apply
- Online and in-store
Licensed per lender AB, BC, MB, NB, NL, NS, ON, PE, SK Confirm with regulator
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.
bc211
Free, confidential referrals to help with food, rent, utilities and emergencies anywhere in BC. Dial 2-1-1 any time.
What will it cost?
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
- Downtown
- North Shore
- Sahali
- Aberdeen
- Valleyview
- Brocklehurst
- Westsyde
Ready to apply from Kamloops?
One application, about three minutes. Our matching partner shows you the offer that fits your answers, from a lender that works in British Columbia. Read the cost before you sign.
Reviewed by Trust Pilot, Accredited Financial Counsellor Canada® on November 7, 2026. Our editorial standards
Sources
- Consumer Protection BC: payday loan rules (accessed November 7, 2026)
Update log
- — Page published; provincial rules and local help checked.