Payday Loans Saskatchewan - Compare Providers

ProviderLoan AmountRateTerm (Months)Rating
00 Up to $50,000Prime – 46.96%3 - 120
Up to $50,000
81683676800 Windmill Microlending$15,000 5.95% Up to 60 months
$15,000
111670889600 Fora$1,000 - $10,000 19.9% - 46.9% -
$1,000 - $10,000
1001666051200 Nyble$20 - $100 0% -
$20 - $100
1001643932800 FlexMoney$500 - $15,000 +18.9% APR 6 - 60
$500 - $15,000
111639094400 Loanz$1,000 - $15,000 29.9% - 46.9% APR   12 - 60
$1,000 - $15,000
1001623369600 AfterpayVaries 0% 6 or 8 weeks
Varies
71620777600 Spring FinancialUp to $35,000 9.99% - 46.96% 6 - 60
Up to $35,000
171607558400 Helium Loans$500 - $50,000 6.99% - 46.99% 12 - 36
$500 - $50,000
1001598918400 LM Financial$1,000 - $15,000 - -
$1,000 - $15,000
1001598832000 LM Credit$500 – $15,000 + 25.99% 9 - 60
$500 – $15,000
1001595980800 FlexiLoans$200 - $1,200 25% - 32% -
$200 - $1,200
1001593561600 PayBright- 0+ 2 - 60
-
1001582243200 LendCare- - Up to 60
-
1001580947200 ECN Capital- - -
-
91580860800 SimplyBorrowed$500 - $5,000 - 12 - 24
$500 - $5,000
1001580860800 Pebble Cash$350 - $1,000 - 2 - 12 weeks
$350 - $1,000
101580774400 goPeer$1,000 - $25,000 7.5% - 31.5% APR 36 - 60
$1,000 - $25,000
1001579478400 North’n Loans$100 - $1,500 - -
$100 - $1,500
1001579478400 MDGUp to $3,200 - -
Up to $3,200
1001579219200 Loan or Credit$100 - $25,000 +4.9% -
$100 - $25,000
1001579219200 Instant Payday Canada- 15% - 19% -
-
1001576713600 Flexiti Financial- Up to 35% -
-
181576713600 Financeit$500 - $100,000 6.99% - 14.99% 12 - 240
$500 - $100,000
1001575590400 Climb1800- 2900 15.99% 23 - 36
1800- 2900
1001560124800 Fresh Start FinanceUp to $15,000 29.99% - 46.96% 9 - 60
Up to $15,000
91545955200 MarbleUp to $20,000 18.99% - 24.99% 36 - 84
Up to $20,000
81552262400 Money Mart$1,000 - $15,000 19.90% - 46.90% 12 - 60
$1,000 - $15,000
1001569974400 Private Loan Shop$500 - $50,000 15 - 30% -
$500 - $50,000
1001551830400 Progressa$1,000 - $15,000 19% - 46.95% 6 - 60
$1,000 - $15,000
1001551398400 Money Provider$500 - $1,000 28% - 32% -
$500 - $1,000
1001551398400 Loan Express- - 14 days
-
1001551139200 Lendful$5,000 - $35,000 9.9%+ 6 - 60
$5,000 - $35,000
101551139200 LendDirectUp to $15,000 19.99% APR Open-end
Up to $15,000
1001550534400 Health Smart Financial Services$300 - $25,000 7.95%+ 36 - 60
$300 - $25,000
1001550534400 GoDay$100 - $1,500 - 14 days
$100 - $1,500
1001569974400 iCashUp to $1,500 15% - 23% -
Up to $1,500
1001550534400 Focus Financial Inc.Up to $1,500 Up to 59% APR 14 days
Up to $1,500
1001550534400 DMO Credit$300 - $1,000 38% APR 3 - 4
$300 - $1,000
1001549411200 Capital Cash$100 - $1,000 546% APR 14 days
$100 - $1,000
1001549238400 Credit 700$500 - $1,000 28% - 32% 4 - 5
$500 - $1,000
1001549238400 Credit2Go$250 - $1,000 29% APR 3 - 4
$250 - $1,000
201548720000 Ledn$500 - $1,000,000 7.9% 12
$500 - $1,000,000
1001548633600 Affirm Financial$300 - $7,500 29.9% - 39.9% 6 - 60
$300 - $7,500
1001548633600 310 Loan$50 - $1,500 - 14 days
$50 - $1,500
1001545955200 Newstart CanadaUp to $20,000 19% - 49% 36 - 48
Up to $20,000
1001545264000 SkyCap Financial$500 - $10,000 12.99% – 39.99% 9 – 36
$500 - $10,000
1001545264000 Fast Access Financial$500 – $10,000 Starting at 9.90% 12 - 36
$500 – $10,000
11543622400 Fairstone FinancialUp to $50,000 19.99% - 39.99% 6 - 120
Up to $50,000
1001545350400 LaminaUp to $1000 30% 3 - 5
Up to $1000
1001545350400 Loans SOSUp to $5,000 60% 6 - 60
Up to $5,000
1001545350400 Cashco FinancialUp to $7,000 - 6 – 60
Up to $7,000
1001545350400 UrLoan$500 - $2,500 29% - 46.95% 6 - 36
$500 - $2,500
1001545350400 LoanMeNow$500 - $1000+ 28%-32% 3
$500 - $1000+
1001545350400 Captain Cash$500 – $750 28% – 34.4% 3
$500 – $750
1001545350400 Urgent Loans$300 - $1500 27% - 35% 3 - 4
$300 - $1500
61545264000 easyfinancial$500 - $100,000 Starting at 29.99% 9 - 84
$500 - $100,000
1001569974400 Speedy CashUp to $1,500 15% - 23% 14 days
Up to $1,500
ProviderLoan AmountRateTerm (Months)Rating
00 Up to $50,000Prime – 46.96%3 - 120
Up to $50,000
81669852800 Driven$500 - $300,000 - 2 - 24 months
$500 - $300,000
1001648512000 2M7 Financial Solutions$10,000 - $250,000 Varies 6-12
$10,000 - $250,000
1001620345600 TD Bank- - 12 - 60
-
1001611878400 Accord Financial$5,000 - $30,000,000 - Up to 18
$5,000 - $30,000,000
171607558400 Helium Loans$500 - $50,000 6.99% - 46.99% 6 - 36
$500 - $50,000
1001598918400 Loop- - -
-
1001585612800 BarterPay- 0.9% - 12% 6 months - 5 years
-
1001581984000 Clearbanc$10,000 - $10,000,000 6% - 12.5% -
$10,000 - $10,000,000
1001581033600 GE Capital- - -
-
1001581033600 We Can Financial- - -
-
1001581033600 Wajax Equipment- - -
-
1001580947200 Key Equipment Financing- - -
-
1001580947200 Corl$10,000 - $1,000,000 - -
$10,000 - $1,000,000
1001580860800 Yellowhead Equipment Finance Ltd- - -
-
1001580860800 Specialty Truck Financing- - -
-
1001580860800 Travelers Financial- - -
-
1001580860800 Peel Financial- - -
-
1001580860800 Pioneer Financial Services$5,000 - $1,000,000 - -
$5,000 - $1,000,000
1001580860800 Polaris Leasing- - -
-
1001580860800 Patron West- - -
-
1001580860800 Payabilityup to $250,000 - -
up to $250,000
1001580860800 Planet Financial- - -
-
1001580688000 RiseUp to $10,000 - -
Up to $10,000
1001580256000 Merchant Growth$5,000 - $500,000 - 6 - 18 months
$5,000 - $500,000
1001579478400 Onesta- - -
-
1001579478400 Lionhart Capital$10,000- $30,000,000 Min 4.95% -
$10,000- $30,000,000
1001579478400 Lift Capital- - 12 - 120
-
1001579478400 Leaseline- - 24 to 60
-
1001579478400 Lease Direct- - -
-
1001579478400 John Deere- - -
-
1001579046400 Hitachi Capital Canada- - -
-
1001577059200 Export Development Canada- - -
-
1001577059200 Essex Lease Financial Corporation- - -
-
1001577059200 Equilease- - -
-
1001575849600 Alliance Financing Group LTD$5,000 - $150,000 15% + 6 - 24
$5,000 - $150,000
1001575849600 CanaCapUp to $250,000 - -
Up to $250,000
1001575590400 CLE Capital- - -
-
1001575590400 Canada Equipment Loan- - -
-
11545955200 SharpShooter Funding$5,000 - $150,000 Fee-Based: Starting at 9% 12 - 60
$5,000 - $150,000
1001552262400 Laurentian Bank of CanadaUp to $250,000 - Up to 10 years
Up to $250,000
1001552262400 HSBC Bank Canada- - -
-
1001552262400 National BankUp to $1,000,000 - -
Up to $1,000,000
1001551830400 Canadian Imperial Bank of Commerce (CIBC)$10,000+ - Up to 15 years
$10,000+
1001551830400 ScotiabankUp to $1,000,000 -   Up to 15 years
Up to $1,000,000
1001551830400 Bank of Montreal (BMO)Up to $500,000 - Up to 10 years
Up to $500,000
1001551830400 Royal Bank of Canada (RBC)$5,000 - $10,000 - Up to 7 years
$5,000 - $10,000
1001551398400 CWB National Leasing$3,500+ - -
$3,500+
1001551398400 Money in Motion$10,000 - $1,000,000 4% - 14% 12 - 84
$10,000 - $1,000,000
1001551139200 Lease LinkUp to $75,000 - Up to 18
Up to $75,000
1001550534400 FundThrough$500-$50,000 0.5% weekly 12 week cycles
$500-$50,000
1001550534400 Econolease Financial Services Inc.$1,000 - $1,000,000 6% - 20% -
$1,000 - $1,000,000
1001550534400 Easylease CorpUp to $5,000,000 4.5% 24 - 72
Up to $5,000,000
1001550534400 Dynamic Capital- - -
-
1001550534400 Capify$5,000 - $200,000 - -
$5,000 - $200,000
1001549411200 Canadian Equipment Finance$50,000 - $12,000,000 - 24 - 96
$50,000 - $12,000,000
1001549411200 Capital Key$5,000 - $1,000,000+ - 1 - 60
$5,000 - $1,000,000+
1001549238400 Cashbloom$5,000 - $1,000,000 - 3 - 24
$5,000 - $1,000,000
1001548720000 BFS Capital$5,000 - $5,000,000 - 4 - 18
$5,000 - $5,000,000
1001548720000 BDCUp to $100,000 6.05% + 60
Up to $100,000
1001548720000 Baron Finance$10,000+ 18% - 22% -
$10,000+
1001548720000 B2B Bank$10,000 - $300,000 4.70% - 5.45% -
$10,000 - $300,000
1001545264000 iCapital$5,000 - $250,000 - 3-18
$5,000 - $250,000
1001545264000 Lendified$5,000 - $150,000 - 3 - 24
$5,000 - $150,000
1001545350400 IOU Financial$5,000 – $100,000 15% + 12 – 18
$5,000 – $100,000
1001545264000 Company Capital$5,000 – $100,000 Starting at 6.87% 3 – 18
$5,000 – $100,000
1001545177600 OnDeck$5,000-$250,000 8% - 29% APR 6 - 18
$5,000-$250,000
1001545177600 Lending Loop$5,000 – $500,000 Starting at 5.9% 3 – 60
$5,000 – $500,000
1001545264000 SkyCap Financial$500 - $10,000 12.99% – 39.99% 9 – 36
$500 - $10,000
1001561507200 Thinking CapitalUp to $300,000 - -
Up to $300,000
ProviderLoan AmountRateTerm (Months)Rating
00 Up to $50,000Prime – 46.96%3 - 120
Up to $50,000
41632960000 SafeLendUp to $50,000 14.9% + 12 -72
Up to $50,000
61624233600 Auto Credit DealsUp to $50,000 29.99% – 46.96% 12 - 96
Up to $50,000
171607558400 Helium Loans$500 - $50,000 - 24 - 60
$500 - $50,000
1001594339200 Alphera Financial Services- - -
-
61582761600 Eden Park- 11.9% - 22.9% Up to 84
-
1001581033600 WeFinanceCars- + 4.9% -
-
1001581033600 Walker Financial Services- - -
-
1001580688000 Rifco- - -
-
1001579478400 National Powersports Financing- - -
-
1001579478400 LMG Finance- - -
-
1001579478400 Loans2Go- - -
-
1001578873600 iA Auto Finance- +8.99% -
-
1001578873600 Gamache Group- - -
-
1001551830400 Royal Bank of Canada (RBC)$5,000 - $10,000 - up to 84
$5,000 - $10,000
1001552262400 Laurentian Bank of CanadaUp to $250,000 - 12 - 60
Up to $250,000
1001552262400 National BankUp to $1,000,000 - up to 96
Up to $1,000,000
1001551830400 DesjardinsUp to $100,000 - 6 - 96
Up to $100,000
1001551830400 Canadian Imperial Bank of Commerce (CIBC)$10,000+ - 12 - 96
$10,000+
1001551830400 ScotiabankUp to $1,000,000 - up to 96
Up to $1,000,000
1001577059200 Daimler Truck Financial- - up to 72
-
1001577059200 DealerPlan Financial- - -
-
1001575849600 Canada Auto Finance$5000 - $45,000 4.90 % - 29.95% APR 36 - 72
$5000 - $45,000
1001575849600 Credit River Capital Inc- - -
-
1001575590400 Capital Trust Financial- - -
-
1001575590400 Canadian Truck Loan- - -
-
1001575504000 Canada Car Loans- - -
-
21569974400 Car Loans Canada$7500 - $59,995 3.95% + 12 - 96
$7500 - $59,995
1001562112000 Car Creditex- Up to 49.9% -
-
1001561507200 Auto Capital Canada- - -
-
1001561507200 Carfinco- - Up to 84
-
11560124800 Canada DrivesUp to $100,000 3.99% - 19.9% 24 -96
Up to $100,000
1001551830400 Prefera FinanceUp to $30,000 - -
Up to $30,000
1001548720000 Approve Canada- - -
-
1001548633600 2nd Chance Automotive- 4.2%+ -
-
1001545955200 Newstart CanadaUp to $20,000 19% - 49% 36 - 48
Up to $20,000
1001545264000 SkyCap Financial$500 - $10,000 12.99% – 39.99% 9 – 36
$500 - $10,000
1001545177600 Splash Auto Finance by RifcoUp to $50,000 - -
Up to $50,000
1001545177600 Carloans411$5,000 – $40,000 - 12 – 72
$5,000 – $40,000
1001545177600 AutoArriba- - Maximum 84
-
ProviderLoan AmountRateTerm (Months)Rating
00 Up to $50,000Prime – 46.96%3 - 120
Up to $50,000
1001578873600 Instant Loans Canada$1,000 - $35,000 - 24 - 60
$1,000 - $35,000
1001545955200 Newstart CanadaUp to $20,000 19% - 49% 36 - 48
Up to $20,000
1001545264000 Fast Access Financial$500 – $10,000 Starting at 9.90% 12 - 36
$500 – $10,000
1001545264000 BHM FinancialUp to $25,000 - 12 - 60
Up to $25,000
ProviderLoan AmountRateTerm (Months)Rating
00 N/AN/AN/A
N/A
1001627344000 Peoples Bank- 1.94% - 2.45% 12 - 60
-
1001581033600 Mortgage Alliance- 2.74% - 6.30% 12 - 120
-
1001580947200 Paradigm- - -
-
1001580860800 Verico- - -
-
1001580860800 True North Mortgage- 2.64% - 4.45% 12 - 120
-
1001580860800 Tangerine$50,000+ 2.74% - 3.49% 12- 120
$50,000+
1001580860800 Think Financial- - 36 - 60
-
1001580860800 Turnedaway- - -
-
1001580860800 REICO- - -
-
1001580688000 Motusbank- 2.79% - 6.00% 6 - 60
-
1001579478400 Mortgage Architects- 2.74% - 3.70% 6 - 120
-
1001578873600 IntelliMortgage- - -
-
1001578873600 Invis- 2.69% - 3.95% 6 - 120
-
1001577059200 Dominion Lending Center- - -
-
1001577059200 First National Financial LP- 2.84% - 7.30% -
-
1001574985600 CMLS Financials$100,000 - $750,000 - 12 - 120
$100,000 - $750,000
1001574899200 CHIP Reverse Mortgagemin 25,000 3.89.% - 4.84% 12 - 60
min 25,000
1001574899200 CanWise- 2.23% - 4.45% -
-
1001560124800 Centum- 2.89% - 3.79% -
-
1001548720000 Broker Financial Group Inc.- 2.41% - 3.84% -
-
1001548720000 Bridgewater Bank- - -
-
11517097600 Alpine Credits$10,000+ Based on equity -
$10,000+
ProviderServicesRating
00 Debt Consolidation Program, Debt Settlement Program, Consumer Proposal, Bankruptcy Consultation
N/A (Referrer)
1001576540800 BDO Credit Counselling, Bankruptcy, Consumer Proposal
1001576540800 Full Circle Debt Solutions Inc Credit Counselling, Debt Management Program
1001576368000 Consolidated Credit Credit Counselling, Debt Management Program
1001576454400 4Pillars Debt Restructuring, After Care - Credit Rebuilding Program, Corporate Debt Restructuring

Living in Saskatchewan? Looking for a way to finance a necessary expense? Thinking about applying for a payday loan to cover it? Think again! While payday loans might appear helpful at first, they can cause extreme damage to your finances if you’re not careful. If not handled properly, any payday loan in Saskatchewan can spiral out of control, forcing you into a never-ending cycle of debt.

Why is the Payday Loan Cycle So Hard to Break?

Essentially, people apply for payday loans when:

  • They have bad credit and unhealthy finances, causing banks and other lenders to deny their applications
  • They have some kind of emergency expense on their hands that their low income won’t cover
  • They realize how easy it is to get approved for a payday loan in Saskatchewan, but don’t know about the negative effects they can bring about

Payday Loans Are Easy to Acquire Because:

  • They are usually for small sums ($1,500 or less)
  • A borrower’s credit status doesn’t matter. Most payday loan lenders don’t even perform a credit inquiry or check a borrower’s credit score
  • Only an active checking account, proof of address and 3 months steady income are required
  • At physical payday loan shops, there’s almost no wait time for approval. You apply and walk out with your money within an hour or so

Difficulty Paying Arises When:

  • A borrower’s other expenses, low income, and/or high-interest rate stops them from paying their loan within 14 days (most common payday loan term)
  • Penalty fees and even higher interest rates are added
  • They’ve accidentally applied with a predatory lender who tries make them pay their first loan by “rolling over” into a second loan, thus beginning a cycle of debt that’s extremely hard to break, lasting for months, maybe even years at a time

How to Break The Payday Loan CycleTo learn more about the payday loan cycle, check out this infographic.

Payday Loan or Installment Loan?

If you’re looking for an alternative to a payday loan in Saskatchewan, one helpful option might be an installment loan. They’re called “installment” loans because once approved, you’ll be able to reimburse your loan through equally divided payments over a specified schedule, usually, several months to a year, depending on how much you’re borrowing.

Scenarios where an installment loan is better:

  • You have a reasonable credit score and enough income to cover all your payments in full (plus interest) by the end of your payment term
  • You need to pay for a larger expense (more than $1,500)
  • You’re looking for a much lower interest rate
  • You’d like the option of negotiating a longer payment period

Scenarios where a payday is better:

  • You have an extremely important expense that needs to be covered immediately
  • You can afford to pay back your full loan within one 14-day payment term
  • You have terrible credit and don’t qualify for a regular credit card
  • You don’t qualify for any (more beneficial) alternatives to payday loans

What Are My Alternative Options For Payday Loans in Saskatchewan?

If you’re looking for another way to pay your debts or if you’re already having trouble breaking your payday loan cycle, there are more alternatives that can help you, such as:

  • Secured credit cards: Made for borrowers with bad credit, you can secure these types of cards with a security deposit equal to the amount of credit you want. You can then use your card to pay your debts and improve your credit. Once you pay back your full balance and cancel the card, your deposit will be returned and you may qualify for a regular credit card.
  • Debt consolidation loans: If you have decent credit and a relatively good income, a debt consolidation loan can help by piling all your other debts into one payment with a more reasonable interest rate. This makes your debt cheaper and easier to manage over time.
  • Debt management programs: If you have a large amount of debt, you can team up with a credit counsellor who will negotiate for a more affordable payment plan with your creditors. If accepted, you may even have your debt reduced.
  • Consumer proposals: A slightly more drastic approach to debt consolidation, these proposals are legally binding contracts, acquired through a licensed insolvency trustee and reserved for those in extreme debt. If approved, you can negotiate a partial payment of your debt or have your payment period extended.
  • Bankruptcies: If your debt total is over $1,000 and you have no possibility of paying any of it back, personal bankruptcy can be a final, even more, drastic solution. Again using an insolvency trustee, your debts will be discharged once you’re approved. Instead, you’ll make payments through your trustee toward the court over an arranged period. Be warned, filing for bankruptcy can damage your credit for up to 7 years!

The True Cost of BorrowingEver wonder what the true cost of borrowing is? Click here to learn more.

How Can I Tell if My Payday Loan Lender is Predatory?

Even though they can cause major debt problems for a lot of Saskatchewan residents, some payday loan lenders are still legally allowed to operate in Canada, as long as they follow certain regulations. However, there are a ton of illegal predatory lenders across the country that try to take advantage of borrowers in desperate financial situations.

Click here to learn about the regulations for legal payday loan lenders.

Here are some warning signs to watch out for:

  • They aren’t clear about the fees they charge for their services. With any loan or credit product, it’s essential to read the fine print and know everything about the payment process. If the rules are unclear or the salesperson is being vague about what they charge in terms of interest, penalties or otherwise, walk away.
  • They use inappropriate behaviour to sell their products or get you to pay. No matter how much you need or owe, it is illegal for any lender to pressure or threaten you into applying or paying. If they do, they’re likely trying to scam you.
  • They “offer you” an option to roll over. As mentioned earlier, one practice that has also become illegal in Canada is the “roll over” tactic, when a lender gets you to cover your first unpaid loan using another. If they try to sweet talk you into this illegitimate service, it’s a surefire sign of predatory lending. They are not allowed to sell you another loan until your previous one is paid completely.
  • They purposely withhold information. While even legitimate payday lenders will probably try to butter you up in some way, they’re still required to provide you with every shred of information concerning the approval and payment process. If it seems like your lender is dancing around the subject and avoiding your questions, it’s another telltale sign of a scammer’s tactics.

Frequently Asked Questions

Can I apply for a payday loan without a credit check in Saskatchewan?

Many lenders don’t do a credit check for payday loans. They also don’t usually report to credit bureaus directly. However, they will still want to verify your identity, your source of income, and your bank details if applicable. Having no credit check will benefit you since it won’t affect your credit score. However, if you fail to repay your loan, it will be sent to a collections agency who will report it to the credit bureaus. Having an item in collections will greatly reduce your credit score.

What is the interest rate limit for payday loans in Saskatchewan?

In Canada, the maximum annual percentage rate (APR) on loans is 60%. However, payday loans have special rates that depend on the province. In Saskatchewan, it’s $17 per $100 borrowed. In a typical two-week period, this means an APR of close to 450%. The reason payday loans are structured this way is that they are meant to be repaid in full within 2 to 8 weeks, or 1 to 2 paychecks. Because of the quick turnaround, typical interest rates simply wouldn’t work with a payday lender’s business model. Payday loans are also typically used by those with poor credit ratings or no credit history, meaning higher risk. Lenders will invariably charge higher rates for higher-risk clients.

Can I still get a payday loan even if I’m unemployed?

Yes. Certain providers will consider non-employment income. If you receive certain kinds of income support from the government, you may be approved by some payday lenders. Depending on the provider, they may consider sources of income such as the Canadian Pension Plan (CPP), Employment Insurance (EI), disability assistance, and private pensions. So long as you can keep up with the payments and have the budget for it, certain lenders will be willing to work with you even if you’re unemployed.

Try Loans Canada Instead

If you’re reading this and have decided that a payday loan in Saskatchewan is not the way to go, then you’ve probably made the right choice. If you wish to be connected with an alternative solution, Loans Canada is the team to talk to!

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The Real Cost Of A Buy Now Pay Later (BNPL) Service
The Real Cost Of A Buy Now Pay Later (BNPL) Service

While Buy Now Pay Later (BNPL) services may be convenient, it does come at a price. Here's what can make BNPL services more expensive than you think.

Loan Break for Canadians: Criminal Interest Rate Dropping from 47% to 35%
Loan Break for Canadians: Criminal Interest Rate Dropping from 47% to 35%

Did you know the criminal interest rate is dropping from 47% to 35% APR ? Find out how it will affect your ability to qualify for loans.

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