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Payday loans in Yukon: rules, costs and licensed lenders

Yukon has no payday loan licensing system, so payday loans as offered in the provinces aren't available there, and lending is limited to 35% APR under federal law. Personal loans, credit union products and territorial emergency help are the alternatives.

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.

Can I get a payday loan in Yukon?

Not in the usual sense. The federal exemption that allows payday lenders to charge more than 35% a year only applies in provinces that license and regulate them, and Yukon doesn’t. Any loan to a Yukon resident has to stay under the 35% annual criminal rate.

What can I use instead?

  • A small personal loan from a bank or credit union.
  • A payment plan with the utility, landlord or company you owe.
  • Yukon’s social assistance program, which can help with emergency needs if you qualify.

What are the payday loan rules?

Yukon 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 Yukon for Yukon 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 Yukon See cheaper options first

Common questions

Why does Koke not list lenders for Yukon?

Yukon has no payday loan licence, so no lender can legally offer a standard payday loan there.

Is a personal loan an option in Yukon?

Yes. Personal loans capped at 35% APR are legal and often cheaper than a payday loan would be.

What is the maximum interest rate in Yukon?

An annual percentage rate of 35%, under the federal Criminal Code.

Ready to apply from Yukon?

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

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Update log

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