NB has the lowest Atlantic payday cap at $15/$100 — tied with Alberta. Officially bilingual (French/English) and most lenders serve in both. UNI Financial Cooperation (formerly Caisses populaires acadiennes) dominates Francophone NB lending.
Click any product to see the lenders, rates, and how to apply in New Brunswick.
Big-6 + UNI Financial (Francophone CU) + online. Bilingual service standard.
→easyfinancial in Moncton, Saint John, Fredericton. LoansCanada matches you to NB-licensed lenders.
→Mogo, Fairstone, easyfinancial.
→Avg consolidation: $12,800.
→Big-6 + UNI Financial. UNI is largest Francophone CU east of Quebec.
→Three ways homeowners in New Brunswick access mortgage capital — from buying a first home to tapping equity at sub-5% rates.
When you need a loan built around what you're buying — not a generic personal loan.
Big-6 + dealer financing. Strong used-car market.
NB Student Aid + federal Canada Student Loans.
Big-6 newcomer programs. UNI is Francophone-friendly for African immigrants.
BDC + Big-6 + Opportunities NB (provincial agency).
NB lowered its payday cap to $15/$100 in 2018, matching Alberta. Licensed by Financial and Consumer Services Commission of NB (FCNB). Mandatory 2-day cooling-off period. No rollovers.
Cost per $100 borrowed for 14 days
These aren't separate loan types — they're how the loans above get delivered. Same-day and e-Transfer "loans" are almost always payday or installment loans wired through Interac after approval. Listed for clarity.