Surrey residents can borrow up to $1,500, or half their net pay if that's less, from a payday lender licensed by Consumer Protection BC. The cost tops out at $14 per $100, fees included, so $600 costs $84. See lenders serving Surrey and cheaper local options before you sign.
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 Consumer Protection BC. 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.
Licence verified AB, BC, MB, NB, NS, ON, PE
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, ON 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, NS, ON 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, ON 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 Surrey online.
Surrey is growing faster than almost any city in BC, and many households here are young families, newcomers and commuters who travel to work across the region. Long commutes mean car costs, and car costs are one of the main reasons people here look for a quick loan. Before you take one, it's worth knowing what BC allows lenders to charge, and that Surrey is home to one of the province's largest credit unions.
BC limits each payday loan to 50% of your take-home pay over the loan period, so the lender has to ask about your income. If you’re paid weekly, that can mean a smaller loan than you expected. Ask how the lender calculated the limit, and don’t borrow from a second lender to make up the difference; that’s how a $400 problem becomes a $1,000 one.
Coast Capital Savings, one of Canada’s largest credit unions, is headquartered in Surrey, and local credit unions and banks along King George Boulevard and in Guildford, Newton and Cloverdale offer small loans and overdrafts. The Surrey Food Bank supports residents across the city. If you’re new to Canada and building credit, a credit union small loan repaid on time also helps your credit file; a payday loan usually doesn’t.
Storefronts sit mainly along King George Boulevard, 72 Avenue in Newton and around Surrey Central. Online lenders licensed in BC lend here too. Whichever you choose, check the licence with Consumer Protection BC and read the contract for the total cost in dollars.
ICBC lets you pay your insurance monthly rather than all at once, and switching usually costs far less than a payday loan to cover a lump-sum renewal. For repairs, ask the shop whether it offers financing or will hold the car for a few days while you arrange money. If you do borrow, BC’s rules cap a $500 loan at $70 in total cost, and the lender can’t add a fee for a cash card.
Residents of Delta, Langley and White Rock often use the same lenders and services; BC’s rules apply across the province.
Food support for Surrey households, so money can go to the bill that is due.
Non-profit credit counselling. Advice is free, and they can set up a repayment plan with the people you owe.
Free, confidential referrals to help with rent, food, utilities and emergencies. Dial 2-1-1 any time.
Lenders usually need proof of income, a Canadian bank account and ID. A credit union small loan is usually cheaper and helps build your credit history.
$42 at BC's $14 per $100 maximum.
Search the business name on Consumer Protection BC's licensee lookup.
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.
