Payday loans in Quebec may be your first stop when you need fast cash. However, the Quebec government has imposed strict restrictions on payday loans to the point where it has become largely unprofitable for payday loan companies to operate in the province as they do in the rest of Canada.

But don’t worry, there are still many options for people with all types of credit scores who need money in a hurry. This guide explores loan options to help you stay afloat between paycheques.

Payday loan alternatives in Quebec

Compare providers that offer quick funding and flexible approval, similar to payday lenders.

KOHO: Instant cash advances

8.8 Great

Go to site Read review

$20 – $500

Loan Amount

Starting at 0%

APR

Flexible

Term

• Info
• Pros/cons
• Details

Finder Reward

Get $75 from Finder. Open and fund a new KOHO account through Finder as a first-time customer. Keep the account open until February 15, 2027. Offer ends December 30, 2026. T&Cs apply.

Unlike traditional payday loans, KOHO doesn't charge interest and offers more flexible repayments. Funds are available instantly once you're set up, but a $2+ monthly fee applies for the service.

• Accepts bad credit: Yes
• Credit check: No
• Speed: Immediately
• Completely online process: Yes
• E-Transfer available: No, but funds are instantly available in your KOHO account

• No interest charges or late fees
• No job or income requirements
• Well-known fintech

• Loan amount may be too small for some people's needs
• No free option like other cash advance apps

Costs	0% + monthly fee from $2
Loan Amount	$20 – $500
Loan Term	Flexible
Credit Check	No
Turnaround Time	Immediately
Requirements	KOHO account—access higher loan amounts over time by using KOHO for everyday spending, repaying your monthly fees and using its other services
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

LoanConnect: Loan search platform for all credit

8.8 Great

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$500 – $50,000

Loan Amount

8.99% – 35%

APR

3 - 120 months

Term

• Info
• Pros/cons
• Details

LoanConnect is an online loan search platform that lets you compare loan offers from 30+ lenders. After filling out one online application, you get matched with suitable lenders. You can also get pre-approved in five minutes, and there are loan options for good and bad credit.

• Accepts bad credit: Yes
• Credit check: No
• Speed: Receive funds in as little as 24 hours.
• Completely online process: Yes
• E-Transfer available: Varies by lender

• Easy to compare multiple lenders
• Fast pre-approval
• Loan options to suit good and bad credit

• High rates for bad credit
• Not a direct lender

Loan Amount	$500 – $50,000
APR Range	8.99% – 35%
Loan Term	3 - 120 months
Serviced Provinces/Territories	All provinces
Turnaround Time	Receive funds in as little as 24 hours.
Min. Credit Score	300
Fees	No application, origination or brokerage fees
Requirements	Canadian citizen or permanent resident, age of majority in your province of residence, current debts must total less than 60% of your income

Loans Canada: Loan search platform with bad credit loans

8.6 Great

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$500 – $50,000

Loan Amount

9.99% – 35%

APR

3 - 60 months

Term

• Info
• Pros/cons
• Details

Loans Canada is an online loan search platform that allows you to compare loan offers from multiple lenders with a single application. It provides access to the largest lender network in Canada, making it quick and easy to compare loan products from dozens of providers.

• Accepts bad credit: Yes
• Credit check: No
• Speed: Receive funds in as little as 24 hours.
• Completely online process: Yes
• E-Transfer available: Varies by lender

• Large network of lenders
• Easy to compare multiple loan offers
• Options for good and bad credit

• High rates for bad credit
• Not a direct lender

Loan Amount	$500 – $50,000
APR Range	9.99% – 35%
Loan Term	3 - 60 months
Serviced Provinces/Territories	All of Canada
Turnaround Time	Receive funds in as little as 24 hours.
Min. Credit Score	300
Fees	No application, origination or brokerage fees
Requirements	Canadian resident, age of majority in your province of residence

Nyble: No credit check credit line

9.3 Excellent

Go to site Read review

$30 – $250

Loan Amount

Starting at 0%

APR

31 days, extendable

Term

• Info
• Pros/cons
• Details

Designed to help you cover unexpected expenses and avoid bank account overdraft fees, Nyble provides access to an interest-free short-term loan of up to $250. You don't need a credit check to apply, and it doesn't charge interest or mandatory fees. You only need to pay a fee if you need instant funding.

• Accepts bad credit: Yes
• Credit check: No
• Speed: 1-30 minutes with a paid membership or 1-3 business days with a free membership.
• Completely online process: Yes
• E-Transfer available: Yes, and funds are sent 24/7

• No interest charges or late fees
• Good for building your credit history
• Fast access to funds

• $11.99/month for a premium membership
• Loan amount may be too small for some people's needs

Costs	0%
Loan Amount	$30 – $250
Loan Term	31 days, extendable
Credit Check	No
Turnaround Time	1-30 minutes with a paid membership or 1-3 business days with a free membership.
Requirements	You must be 18 years or older and have a minimum monthly income of $1,000.
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

Bree: Interest-free cash advances

8.8 Great

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$20 – $750

Loan Amount

Starting at 0%

APR

Next pay cycle (90 days max)

Term

• Info
• Pros/cons
• Details

If you're looking for a cash advance in Quebec, Bree offers short-term loans of up to $750 with zero interest charges and no fees for standard funding, which takes one to three business days. If you need instant funding, a $2.99 – $45.99 applies per transfer.

• Accepts bad credit: Yes
• Credit check: No
• Speed: Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and within 1 to 3 business days for standard delivery.
• Completely online process: Yes
• E-Transfer available: Yes, and funds are sent 24/7

• Interest-free cash advance
• Bad credit is OK
• No late fees

• $2.99 – $45.99 for instant transfers
• Loan amount may be too small for some people's needs
• Relatively new provider

Costs	0%
Loan Amount	$20 – $750
Loan Term	Next pay cycle (90 days max)
Credit Check	No
Turnaround Time	Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and within 1 to 3 business days for standard delivery.
Requirements	You must have a bank account with regular income deposits and a Visa or Mastercard debit card with a CVV
Serviced Provinces	Bree is not currently accepting applications from new customers in Quebec, Saskatchewan, Nova Scotia, or New Brunswick
Apple App Store Rating	4.9
Google Play Rating	4.8

MDG Financial: Quick cash loans

7.1 Great

Read review

Up to $1,600

Loan Amount

Undisclosed

APR

Up to 36 months

Term

• Info
• Pros/cons
• Details

MDG Financial provides cash installment loans of up to $1,600. You can pre-qualify online without impacting your credit score. Once you're approved for a loan, the money will be deposited into your bank account within three hours.

• Accepts bad credit: Yes
• Credit check: Yes
• Speed: As soon as the same day
• Completely online process: Yes
• E-Transfer available: Yes, for a fee

• Easy application process
• Payments reported to credit bureaus
• No penalty for early repayment
• Established provider

• 560 minimum credit score required
• High interest rates
• Some borrowers may need more than $1,600

Loan Amount	Up to $1,600
APR Range	Undisclosed
Loan Term	Up to 36 months
Serviced Provinces/Territories	All provinces
Min. Credit Score	560

Can I get a payday loan in Quebec?

The payday lending situation in Quebec is a little different from other provinces. The Government of Quebec limits the maximum annual interest rate on loans in the province to 35.00%. Across the rest of Canada, the criminal rate of interest is 35% APR, but payday loans are exempt from this limit.

But while there are strict interest rate restrictions in place in Quebec, some brokers and lenders of short-term loans have found a way to get around these provincial restrictions. By including a surety fee or brokerage fee of up to $300 in the loan payments, they offer loans with very high APRs.

Short-term installment loans in Quebec also have longer repayment terms than elsewhere in Canada. While regular payday loans have a maximum loan term of 62 days, in Quebec you typically have between 1 and 9 months to pay back what you borrow on a short-term loan.

Summary of Quebec regulations

• You can’t be charged more than 35.00%.
• High-cost loans have a 10-day cooling-off period in Quebec.
• Lenders cannot ask you to sign a form that transfers your wages directly to them.
• Lenders cannot offer or sell you any products or services in connection with the payday loan. For example, they can’t require you to buy loan insurance.

Can I get payday loans in Quebec with no credit check?

Yes, it’s possible to get payday loans in Quebec with no credit check from a selection of lenders who operate in the province. Instead of focusing on your credit score, these lenders want to determine if you meet other basic eligibility requirements, like having a minimum, stable income.

Examples of no credit check loans in Quebec include Nyble, Bree, KOHO and Green Loans.

Can I get no refusal payday loans in Quebec?

While you may find some lenders in Quebec who offer no refusal payday loans, you should be careful with any such lender. Legitimate lenders will thoroughly assess your finances to ensure you can afford repayments before offering you loans. If a payday loan provider advertises no refusal loans, it might be a scam. It’s always a good idea to research the legitimacy of any lender you’re considering before signing up for a loan.

Can I get instant loans in Quebec?

While traditional payday loans aren’t allowed in Quebec, you can get instant funding through cash advance providers. Platforms like KOHO, Nyble and Bree allow you to request a small advance that’s typically delivered straight to your account within minutes. However, you’ll need to pay a fee. For KOHO and Nyble, it’s a flat monthly fee. For Bree, it’s a fee for every instant transfer, which varies based on the amount.

You usually have to repay this loan by your next payday, but some platforms offer renewals or extensions that allow you to roll over your balance without any penalties.

Cash advance apps may have more flexible requirements as well, often accepting various types of income and borrowers with bad or no credit history.

How do I apply?

If you’re interested in applying for payday loans in Quebec, you’ll typically need to meet the following eligibility criteria:

• Be at least 18 years old
• Provide proof of three months of continuous employment
• Show proof of address (e.g., phone bill, internet bill)
• Have an active chequing account

To complete your application successfully, prepare to submit some basic information:

• Personal details such as your name, date of birth, Social Insurance Number (SIN) and a valid form of ID
• Contact details like your residential address, email address and phone number
• Details about your employment and income

How can I tell if a lender in Quebec is legit?

Quebec has strict regulations for lenders, with a maximum allowable annual interest rate of 35.00% on all loans. Look for the following signs to make sure you’re working with a legitimate lender.

• The lender follows rate and fee regulations. Stay away from lenders that don’t follow the 35.00% annual interest rate maximum.
• The lender doesn’t allow roll-overs or multiple loans. Quebec law doesn’t let payday lenders give out multiple loans or allow borrowers to pay off a payday loan with another payday loan.
• The lender provides contracts in your language. If you and your lender communicate in English, your contract must be in English. If you both communicate in French, the contract must be in French.

Other options to consider instead of short-term loans

Since Quebec payday loans are hard to come by, here are some other options you may want to consider:

Quebec assistance programs

Quebec has some programs that can help lower the costs of everyday expenses for some residents and newcomers who are struggling to make ends meet.

• Social Assistance provides last-resort financial assistance to individuals whose capacity for employment is severely limited and whose financial situation makes it impossible to cover their basic needs.
• The Family Allowance payment provides financial assistance to low-income families with one or more dependent children.
• The Resettlement Assistance Program provides financial assistance for refugees and protected persons. Funds can be used for accommodation, essential clothing, household effects and living expenses.
• Disability benefits under the Quebec Pension Plan help disabled people who are in financial need pay for living expenses like food and housing.

Local financial institutions

Some credit unions and local banks offer short-term financing for a fraction of the cost of regular payday loans. Other financial institutions also offer credit builder loans, which come in small amounts and can help you improve your credit score by reporting every on-time repayment you make to credit bureaus. Once you build up your credit score, you might qualify for much more competitive and affordable financial products.

Credit counselling

If you’re struggling with your personal finances, you might want to consider enrolling in a credit counselling program to help you make a budget and manage your debt. Find out where to get free credit counselling in Canada.

Bottom line

If you find yourself in need of emergency cash, a payday loan in Quebec will be hard to get due to strict regulations. Many online and private lenders offer short-term installment loans, but these often come with hefty fees that result in high loan APRs.

So before you consider applying for a loan, consider other forms of financial assistance, using your credit card or borrowing money from friends and family to make ends meet between paycheques.

Frequently asked questions

• What's an alternative to Bree in Quebec?

  Alternatives to Bree that are available in Quebec include KOHO and Nyble. Like Bree, both offer quick short-term loans.

• Is Wagepay available in Quebec?

  No, Wagepay is only available in BC, AB and ON.

• Who can I contact if I have a complaint about my short-term loan?

  You can file a complaint with Consumer Protection Quebec if you suspect that a lender is operating illegally. Lenders that are found to be violating provincial law could face legal consequences, which could include getting licences revoked, paying penalties and settling with customers who have filed civil actions.

• Where can I find quick loans in Quebec?

  Quick loans in Quebec are available from a number of online and private lenders. These lenders offer short-term installment loans from around $300 to $1,500. Loan terms range from 3 to 6 months. Many offer no credit check loans and will consider your income and employment instead to determine whether you can afford loan repayments. However, high interest rates and fees often apply.

• Are e-Transfer payday loans in Quebec available?

  No, traditional payday loans aren't available in Quebec due to strict provincial regulations, even via e-Transfer. However, you can access small cash advances through apps such as KOHO, Nyble and Bree. These platforms allow you to receive funds via e-Transfer directly to your bank account, providing a fast and cheap alternative to payday loans.

To make sure you get accurate and helpful information, this guide has been edited by Leanne Escobal as part of our fact-checking process.

Written by

Tim Falk

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Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

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