Our approach to responsible lending

What we require from every lender

Every lender in this network must hold an active provincial licence, disclose the full cost of borrowing before a loan is signed, and comply with the borrowing limits, loan term restrictions, and rollover rules set by the province they operate in. We do not include lenders who obscure costs or pressure applicants into accepting an offer.

What we'd ask of you

Only borrow what you're confident you can repay in full on the agreed date, and read your offer's cost of borrowing and due date before signing, even if it feels like a formality. If your circumstances change before the due date, contact your lender early rather than letting the date pass unaddressed.

Signs it might be time to look at alternatives

Needing a payday loan for the same bill two months running, taking a new loan to pay off a previous one, or feeling like your paycheque is already spoken for before it arrives are all signals worth taking seriously. None of these are a judgment on you — they're simply a prompt to look at the wider budget picture, ideally with a free credit counsellor.

Vulnerable circumstances

If you're experiencing a mental health crisis, domestic violence, or a situation where a loan decision doesn't feel like it's fully your own, please prioritize reaching out to the appropriate support service over completing a loan application. A short-term loan will still be here once things are more stable.