New Brunswick’s Best Payday Loan Option

What loan amount would you like?

$800

Want to know how many repayments?

1
1 to 3 repayments
Paid weekly
1 to 3 repayments
Paid bi-weekly or twice a month
1 to 2 repayments
Paid monthly
The system will automatically provide the number of repayments based on your pay frequency (range between 42 to 62 days).
In Manitoba, only a single repayment option is available. A loan taken out with us in Manitoba must be fully repaid at the next pay date.

Tell us what province you live in.

APPLY NOW FOR FAST APPROVAL

New Brunswick

PayDay has come to New Brunswick!
The “Picture Province” has a great opportunity

As PayDay has expanded across Canada, we are now proud to open our doors for business in beautiful New Brunswick. We’ve been warmly welcomed and really appreciate it. Like folks everywhere, the people of New Brunswick have to deal with all kinds of unexpected expenses, which aren’t getting any cheaper. College tuition, dental bills, car and computer repairs: life just keeps throwing it at you. We’re happy to be able to offer you the help you need, when you need it, with our cash advance or payday loan opportunities.

Forget the waiting, the paperwork, the counter line-up. No waiting for your number to be called here. Our innovative program puts you in charge of the process. Residents of New Brunswick can apply for a payday loan or cash advance completely online. And, even better, once you are approved, you are just 5 minutes away from receiving your funds, deposited directly into your bank account by e-transfer! Our simple and easy application process is open for business 24 hours a day, 7 days a week.

As if that wasn’t enough, we haven’t only made the PayDay loan experience amazingly simple and fast, we’ve also made it one of the most secure options available online. We use the industry’s state-of-the-art encryption technology, so you know that your personal information is safe with PayDay. Plus, we promise to never sell your personal information to any third party. It is only used for doing our business with you.

You may have heard some bad things about the payday loan business. We’re working charge to win your well-deserved trust and loyalty by changing all that. Our strictly enforced Code of Conduct governs all our business and employees’ practices. We’ve drawn upon the very top best practices in creating our Code of Conduct. We know how much you value that bond of trust we’re building. Everyday we work hard to earn your trust and take the needs of our clients to heart.

Fully licensed for doing business in New Brunswick, provincial regulations govern our loans and cash advance practices.

Some other New Brunswick cities where we provide loans are 

in Moncton, Saint John, Fredericton.

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This is the new Payday Loan option you’ve been waiting for

Apply immediately
Apply Online

Getting a loan has never been easier – or faster. We’ll need some personal background info, then just choose your loan amount and repayment plan. Then you’re good to go.

Know immediately
Know immediately

There’s no fuss in the process. You’ll be immediately informed if you qualify. All that is left is to sign your electronic contract.

Receive money
Get Fund

Any time, day or night, your loan will be e-transferred to you in just 5 minutes!

Maximum total cost of borrowing $300 is $345, without any minimum repayment period.
PayDay logo Traditional Payday Lenders Lenders with brokerage fee
Licensed   
Flexible repayment plans      
Offers cashback program for more savings      
Paperless      
Free membership benefits      
No hidden charges   
E-transfer in the next 5 minutes      
Get a loan now

What makes us special?

The hassle-free loan option

Instant

It takes only minutes to apply through our secure online system and no need to provide documents! Once approved, regardless of the time or day, all you have to do is sign your electronic contract and your funds will be e-transferred to your bank account in 5 minutes.

Easy

No paperwork headaches to make your life miserable. Turn off the fax machine and get comfortable on the couch. This process is as convenient as it gets.

Fast

You’ll know instantly when you’re approved for your loan and what repayment schedule of 1, 2 or 3 installments best suits your needs.

Extra

Need a few extra days? No problem. We’ll add 5 extra days before starting your repayment. That’s 5 extra days to pay us back with no extra fee to you.

Transparent

Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.

Flexibility

Your interest fee is unchanged, whether it’s better for you to pay in 1, 2 or 3 equal repayments.



No Credit Check | High Approvals

Get Up To $1500 From a Safe Trusted Licensed Lender. Easy Application. Multiple repayments, FAST e-Transfer.

APPLY NOW FOR INSTANT APPROVAL

Assessing Eligibility

Here’s what we’ll need for you to be eligible to borrow:

  • 19 years old, minimum
  • Canadian citizen,Resident of one of the following provinces: Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario or Saskatchewan.
  • At least 3 months working for the same employer.
  • $800 minimum net monthly income.
  • Canadian bank account – must have been open for a minimum of 3 months.
  • Valid and current mobile phone, email address and home address.
  • No past record of filing for bankruptcy nor intention of doing so in the future.

No Surprise Fees

Our interest fees are transparent and straightforward. They’re a calculated percentage of the amount borrowed. The percentage is regulated by each province’s payday loan legislation. They range from $15 to $23.

Province Interest Fees & Transparency Late fee
Alberta $15 per $100 $25
British-Columbia $15 per $100 $20
Manitoba $17 per $100 $20
New Brunswick $15 per $100 $20
Nova-Scotia $22 per $100 $40
Ontario $15 per $100 $48
Saskatchewan $23 per $100 $50

When you take a cash advance loan or Flexpay loan with PayDay, you are always in complete control of how much money you will owe and there are no surprises nor hidden fees. Before signing your loan agreement, we will give you a breakdown of all the costs involved in your loan so you will be able to make an informed decision.

Your Money, When You Need It

We’re dedicated to the most hassle-free loan experience possible. Any day of the year, any time of the day, our e-transfer system is ready to send you your funds. Soon as your loan agreement is signed, your money is just 5 minutes away from being in your bank account. Your money, when you need it: that’s our promise.

Loan Management

Want to make early repayments?

Absolutely. In fact, if you can manage it, it’s a great idea. Here are some of the benefits:

  • No extra fees! Plus…
  • Your trust rating in our system increases

Thinking of increasing your debt with an outstanding loan?

We only allow one loan at a time. This is the responsible choice for both us and you. That’s why we’re so dedicated to helping you make the smart and informed decision about your loan amount and repayment plan.

Loan Repayment

How is my repayment handled?

We make repayment as quick, easy and painless as receiving your loan was. On the contractually stipulated due date, your bank account is automatically debited the outstanding fee. Please be sure to avoid any additional fees by ensuring there’s sufficient funds in your account that day to cover the repayment.

Repayment Plans

For your convenience, two repayment plans are available:

  • Cash advance: make a repayment between 7-62 days after you are approved
  • Flexpay: make 2 or 3 repayments between 7-62 days after you are approved

Repeat Borrowing

Trust Rating System

With your first loan, you are eligible to borrow as much as $750. Repayment that is consistent with the loan’s terms and conditions, including being on time, increases your rating in our trust system. Repeated good dealings will eventually give you access to loans up to $1,500.

Once you’ve borrowed and repaid one loan with us, subsequent ones are even easier. This is because you’ve gained trust and we have all your relevant info in our system. Payday loans though are short-term loans and not intended for frequent use.

Your financial well-being is important to us. Not only is this why we’re happy to help out with these short-term loans, but it also requires us to be sure we’re taking a responsible lending decision each time we make a loan. So, if your circumstances change, we can’t guarantee the exact same terms for repeat borrowing.

Late Fees

Each province has its own fees for NSF. These are listed below. We strongly encourage you to avoid such fees by ensuring there are sufficient funds in your bank account to cover the pre-authorized debits on the stipulated due dates.

Province NSF
Alberta $25
British-Columbia $20
Manitoba $20
New Brunswick $20
Nova-Scotia $40
Ontario $48
Saskatchewan $50

Collections

Our transparent lending practices allow you to be fully informed of all charges and due dates. We want you to be fully aware of your responsibilities. The amount you owe will always be based upon repayment of the loan and any relevant interest charges. No additional fees will be added.

Interest charges, though, do include surplus fees when a client fails to meet the conditions of their repayment agreement. Failure to meet the conditions of the repayment agreement not only increases fees owned to PayDay, but may also result in a charge from your bank. As of any failure to meet repayment requirements, collection charges apply and will be added to your outstanding balance. Such charges will be continually added until the entire balance has been repaid.

In the event of such failure to meet the repayment agreement, our collection team professionals take over management of the file. They will make every effort to work with you on a revised repayment arrangement. However, failure to resolve the situation will require resort to an external collection agency.

There can be serious consequences for the having your file taken over by an external collection agency. Further fees may result. Your credit rating could be negatively impacted for years to come. Fraud protection agencies may be employed to track your location and ensure full recovery of all outstanding debt and fees. To avoid such outcomes, we strongly urge our clients to ensure they meet their repayment commitments.

PayDay is in the business of helping people out of difficult situations. We understand how things can go unexpectedly bad. It’s of the greatest importance that if something sudden interferes with your ability to meet the terms and conditions of your repayment agreement that you contact us at the very soonest possible moment. This will allow us to work with you to find the least costly solution. Taking out a loan brings you into a legal obligation. So, please, seriously consider whether it is the right choice for you. If you’re unsure of your ability to meet your repayment obligations, an alternate remedy to your financial difficulties will be a better option.