In Saint John, a payday loan must come from an FCNB-licensed lender, can be up to $1,500 for up to 62 days, and costs no more than $14 per $100. A $250 advance costs $35. This page lists lenders serving Saint John and lower-cost options in the city.
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 Services Commission (FCNB). 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.
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 Saint John online.
Saint John is an industrial port city with a refinery, a container terminal, a big hospital and a long history of shipbuilding. It also has some of the highest rates of low-income households among Canadian cities, which is why short-term lenders have long been visible in the uptown and north end. If you're considering a payday loan in Saint John, here's what New Brunswick lets them charge and who can help instead.
Storefront lenders sit along Main Street in the north end, uptown and along Rothesay Avenue in the east. Online lenders licensed in New Brunswick also lend to Saint John residents. Check the lender with FCNB before applying, and make sure you see the total cost in dollars before you sign.
If the money is for a power or heating bill, call Saint John Energy or NB Power about a payment arrangement. If it’s for food, Saint John has several food banks and community meal programs. If you’re juggling several debts, a non-profit credit counsellor can often reduce your payments within a few weeks.
Romero House and other community kitchens provide meals, and the Saint John food bank network supports households across the city. Credit Counselling Services of Atlantic Canada offers free advice by phone, and local credit unions offer small loans to members.
A $500 advance to get through to payday costs $70 at the cap. Repaying it in full on the next payday leaves $570 less in that cheque, which for many households in the city is exactly how the next shortfall starts. If you’ve borrowed more than once in a couple of months, a non-profit credit counsellor can look at your whole budget and, if it helps, set up one affordable payment to the people you owe, with no new loan at all.
Residents of Rothesay, Quispamsis and Grand Bay-Westfield follow the same New Brunswick rules.
Free community tax clinics in Saint John each spring help low-income households file their returns, which keeps benefits like the GST/HST credit and the Canada Child Benefit flowing. A missed benefit payment is a common reason people turn to short-term loans, so filing on time is one of the cheapest protections there is.
Free meals and community support in Saint John.
Free, non-profit credit counselling and repayment programs.
Find a non-profit credit counselling agency near you. Advice is free and confidential.
Contact FCNB or search its list of licensed payday lenders.
$70 at the $14 per $100 maximum.
Call them and ask about a payment arrangement before the due date.
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.
