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Payday loans in New Brunswick: rules, costs and licensed lenders

In New Brunswick, payday lenders need a licence from the Financial and Consumer Services Commission, loans top out at $1,500 for up to 62 days, and the cost can't exceed $14 for every $100 borrowed. Check a lender with FCNB before you apply.

Last reviewed November 7, 2026

Max cost
$14 per $100
Max loan
$1,500
Max term
62 days
Regulator
Financial and Consumer Services Commission (FCNB)

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

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$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 oversees payday loans in New Brunswick?

The Financial and Consumer Services Commission, usually called FCNB, licenses payday lenders and publishes information for borrowers. Its consumer staff can tell you whether a lender is licensed and what to do if something has gone wrong.

What does a payday loan cost in New Brunswick?

The maximum is $14 for every $100 borrowed, including all fees. On $600 that’s $84, which works out to an annual rate of about 365% over two weeks. If you can wait a few days, a credit union small loan or a payment arrangement with whoever you owe will almost always cost less.

What should I look for in the contract?

  • The amount you’ll receive, the total you’ll repay and the due date, all in dollars.
  • The annual percentage rate.
  • What happens, and what it costs, if a payment is returned by your bank.
  • How to cancel. New Brunswick gives borrowers a short cancellation window; the FCNB page linked below sets out the details.

What are the payday loan rules?

Payday loan rules in New Brunswick
Maximum cost of borrowing$14 per $100 borrowed, all fees included
Maximum loan$1,500
Maximum term62 days
Dishonoured payment feeUp to $20
RegulatorFinancial and Consumer Services Commission (FCNB)

Source: Financial and Consumer Services Commission (FCNB). Last reviewed November 7, 2026.

Which lenders are licensed here?

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

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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

Licensed per lender AB, BC, MB, NB, NL, NS, ON, SK Confirm with regulator

Apply now Read review

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.

Payday loans by city

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 New Brunswick See cheaper options first

Common questions

How do I check a payday lender in New Brunswick?

Contact FCNB or search its list of licensed payday lenders. The licence should name the same business you see on the website or storefront.

What is the most I can borrow?

$1,500 per loan. A lender may approve less depending on your income.

Can I get a payday loan in New Brunswick online?

Yes, from an online lender that holds a New Brunswick licence. Check the licence before you share any personal details.

Ready to apply from New Brunswick?

One application, about three minutes. Our matching partner shows you the offer that fits your answers, from a lender that works in New Brunswick. Read the cost before you sign.

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Sources

Update log

  • — Page published; rules checked against the provincial regulator.