Canadian Loan and Credit Reference
Sourced reference tables for Canadian borrowing rules: payday-loan limits, the federal criminal rate of interest, and the Financial Consumer Agency of Canada's own cost-of-borrowing examples.
Every figure carries the publisher and the source link. Where no official number exists, we link to the source instead of guessing.
Payday Loan Rules by Province
Maximum cost of borrowing, loan limits and regulator for payday loans in every Canadian province and territory.
Federal Interest Rate and Payday Cap
The federal criminal rate of interest, the payday cost-of-borrowing cap and the loan, term and fee limits in the Criminal Code.
Cost of Borrowing Comparison
What $300 for 14 days costs as a payday loan, credit card cash advance, overdraft protection or line of credit, using FCAC figures.
Canadian Lending Regulators
The provincial and territorial consumer protection regulators that license and oversee lenders in Canada.
Loan Cost Glossary
Plain-language definitions of the terms used to describe the cost of a loan in Canada.
How to Check a Lender Is Licensed
Step-by-step guide to verifying a lender's licence with the right provincial regulator, with a register for every province and territory.
Debt Collection Limitation Periods by Province
How long a creditor has to sue for an unsecured debt in every Canadian province and territory, taken from the provincial limitations statutes.
Credit Reports and Disputes in Canada
The two national credit bureaus, how to get a free credit report, how the dispute process works and how errors are corrected.
Bankruptcy and Insolvency Basics in Canada
Who regulates insolvency in Canada, how a consumer proposal differs from bankruptcy, typical durations, surplus income and discharge.
Student Loan Repayment Assistance Plan
Repayment Assistance Plan income thresholds and the zero-payment threshold for Canada Student Loans.
Consumer Protection Offices Across Canada
The consumer affairs and consumer protection office for every Canadian province and territory, with its official website and what it handles.
CRA Tax Instalment Payments
Who must pay CRA tax instalments, the quarterly due dates and the prescribed interest rate on late or insufficient instalments.
Last updated: September 16, 2026 · By the Instalment.ca Editorial Team
We research Canadian lending rules and update these pages when the law, the data, or the available offers change. We are not a lender and we do not provide personal financial advice.
Instalment.ca is a loan matching and comparison service, not a lender.
We may earn a commission when you click or apply through our links.
This is general information, not financial, legal, or tax advice.
Rates and terms vary by lender, creditworthiness, and province. Figures shown are examples only.