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Payday loans in Quebec: rules, costs and licensed lenders

Quebec doesn't license payday lenders, and lending there is limited to an annual rate of 35%, which rules out the typical payday loan. Koke doesn't list payday lenders for Quebec residents, but personal loans and other options are available.

Last reviewed November 7, 2026

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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.

Why can’t I get a payday loan in Quebec?

Quebec never created a payday loan licence. Without one, lenders there have to stay under an annual rate of 35%, the same ceiling the federal Criminal Code now sets nationally for most loans. A $14 fee on $100 for two weeks works out to roughly 365% a year, so the standard payday loan simply isn’t legal for Quebec residents.

What are Quebecers’ options for short-term cash?

  • Desjardins and other credit unions: small personal loans and lines of credit.
  • Personal loans: instalment loans of a few hundred dollars and up, capped at 35% APR.
  • Payment arrangements: Hydro-Québec and most telecoms will spread an overdue bill.
  • ACEF (associations coopératives d’économie familiale): free budget and debt advice across the province.

Be wary of any website offering a “payday loan” to a Quebec address. It is either not a payday loan or not a legal one.

What are the payday loan rules?

Quebec has no provincial payday-loan licensing, so Koke does not list payday lenders here. Loans in this area are subject to the federal criminal interest rate of 35% APR.

Which lenders are licensed here?

We haven’t verified any lenders licensed in Quebec for Quebec yet. In the meantime, the help listed below may cost you less.

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 Quebec See cheaper options first

Common questions

Are online payday loans legal in Quebec?

No. Loans to Quebec residents are limited to 35% APR, which a typical payday loan far exceeds.

Can I apply for a personal loan through Koke from Quebec?

Yes. Our application page connects Quebec residents with a French-language partner form for personal loans that follow Quebec rules.

Where can I get free budget help in Quebec?

Your regional ACEF offers free, confidential budget and debt counselling.

Ready to apply from Quebec?

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

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Update log

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