Payday loans in Regina are capped at $14 for every $100 borrowed, up to $1,500 and 62 days, and only lenders licensed by Saskatchewan's FCAA can offer them. Borrowing $600 costs $84. This page lists lenders serving Regina and the local programs that usually cost far less.
Last reviewed November 7, 2026
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 Affairs Authority (FCAA). Always confirm with the lender’s contract and your regulator.
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
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.
Licence verified AB, BC, SK
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.
Licensed per lender BC, ON, SK Confirm with regulator
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.
Licensed per lender AB, BC, MB, NB, NL, NS, ON, SK Confirm with regulator
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.
Licensed per lender AB, BC, MB, NS, ON, SK Confirm with regulator
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.
Licensed per lender AB, BC, MB, NB, NL, NS, ON, SK Confirm with regulator
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.
No storefronts confirmed in the last 90 days. Lenders listed above serve Regina online.
Regina is Saskatchewan's capital, so government, Crown corporations and insurance employ a big share of the city, alongside agriculture, potash and a large refinery. Much of that work is steady, but costs aren't: winter, car repairs and rent increases still create short gaps. Payday lenders in Regina are tightly regulated by the province. Here's what that means, and what to try first.
Every payday lender serving Saskatchewan must hold an FCAA licence, and the cost cap of $14 per $100 includes every fee. A lender can’t refinance your loan into a bigger one. If you’re borrowing again and again, the FCAA’s consumer staff and non-profit counsellors can walk you through your options.
Storefronts are mainly along Albert Street, Victoria Avenue East and Dewdney Avenue, and online lenders licensed in Saskatchewan also serve the city. Before signing, ask what happens if a payment is returned, and get the total cost in dollars in writing.
The Regina Food Bank runs food programs and financial empowerment services. Conexus Credit Union, based in Regina, offers small personal loans and advice to members. SaskPower and SaskEnergy both offer payment arrangements on overdue bills, which cost nothing and can save you a loan entirely.
A $400 loan costs $56 at the cap. A SaskPower arrangement on a $400 overdue bill costs nothing. A credit union overdraft for two weeks usually costs a couple of dollars. A cash advance on a credit card costs a fee plus interest from the first day, often $10 to $15 for two weeks. The payday loan is fast and doesn’t usually depend on your credit score, but for most people in Regina at least one of the cheaper options is open.
Residents of Moose Jaw, White City and Pilot Butte often borrow in Regina; the same FCAA rules apply.
If you work for the province, a Crown corporation or a large insurer in Regina, check your benefits package for an employee and family assistance program before borrowing. Most include free, confidential financial counselling, and some employers offer emergency salary advances in a genuine crisis. Asking costs nothing and often turns up help you didn’t know existed.
Food support and financial empowerment programs in Regina.
Spread an overdue utility bill without extra fees. Call before the due date.
Non-profit credit counselling by phone and online. Advice is free, and they can set up a repayment plan with the people you owe.
Yes. Both offer payment arrangements on overdue accounts. Call them before you borrow to pay a utility bill.
$70 at the $14 per $100 maximum.
Saskatchewan's Financial and Consumer Affairs Authority (FCAA).
One application, about three minutes. Our matching partner shows you the offer that fits your answers, from a lender that works in Saskatchewan. Read the cost before you sign.
