Payday loans in New Brunswick: fast cash with clear terms
Get quick, licensed payday loans in New Brunswick, with maximum costs capped and clear, upfront terms. Make it simple, complete our form in just a minute!
Payday loans in New Brunswick: fast cash with clear terms
Get quick, licensed payday loans in New Brunswick, with maximum costs capped and clear, upfront terms. Make it simple, complete our form in just a minute!
Apply for a payday loan in New Brunswick
When unexpected bills or urgent expenses strike, getting quick access to cash can make all the difference. Finance Solution connects you with trusted, licensed payday lenders in NB who provide fast, transparent, and compliant loans under the official payday loan rules of New Brunswick. Whether you live in Fredericton, Moncton, Saint John or everywhere else in NB, our service allows you to apply entirely online—without the long approval times or credit barriers of traditional banks.
Easy application process, secure online form
Our simple application process is built for convenience. All you need to do is fill out our secure online form with basic details—your income, bank information, and contact details.
There’s no paperwork, no appointments, and no waiting lines. Most applicants receive a decision in around 90 minutes, and in many cases, funds are sent directly to your account through Interac e-Transfer the same day.
Only 24h to get your payday loan
We understand that emergencies can’t wait. That’s why our cash advance process is optimized for speed and reliability. Many borrowers receive their 24-hour payday loan within hours after approval.
Your loan amount, repayment date, and fees are all clearly stated upfront, so you’ll always know what to expect. Transparency and trust are our top priorities.
Refund calculator
Wondering how much your loan will cost? Use our refund calculator to estimate the total repayment based on your borrowed amount.
In New Brunswick, provincial law limits the amount you can borrow through a payday loan to 30% of your next net pay. Moreover, Finance Solution offers loan from 250 to 1500$.
This tool helps you plan responsibly before signing your agreement.
Who qualifies for a loan in NB and how we assess applications?
Unlike traditional banks, our partner lenders focus on your current income and repayment capacity rather than your credit score. Even if you have bad credit, you can still be eligible for a quick payday loan in New Brunswick.
Each application is reviewed fairly and securely, ensuring that you receive an offer suited to your needs. To qualify for a payday loan in New Brunswick, you must:
Be at least 18 years old
Be a Canadian resident
Have a steady job for at least 6 months
Receive a paycheck by direct deposit in Canada
Have a net monthly income of at least 1200$
Have on hand
– Identification
– Proof of address
– Checking account
– Income information
Frequently asked questions about payday loans in New Brunswick
What is a payday loan in New Brunswick?
A payday loan is a short-term, small-amount loan designed to cover urgent expenses between paydays. In New Brunswick, these loans are strictly regulated, offering fast access to cash through licensed payday lenders while protecting consumers from unfair practices.
How much can I borrow?
In New Brunswick, provincial law limits the amount you can borrow through a payday loan to 30% of your next net pay.
That means if your take-home pay is:
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$1,000, you can borrow up to $300
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$1,500, you can borrow up to $450
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$2,000, you can borrow up to $600
These limits exist to protect consumers and prevent over-borrowing. Our licensed payday lenders in NB follow all official payday loan rules NB, ensuring that every loan offered respects these limits and remains manageable for your financial situation.
What alternatives to payday loans are available?
If you’re looking for alternatives, consider:
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Credit unions for small personal loans at lower interest rates
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Emergency assistance programs offered by local community organizations
Finance Solution encourages responsible borrowing and always provides clear information to help you make the best financial decision for your situation.
Get fast, reliable payday loans in New Brunswick. Apply today!
Whether you’re in Moncton, Fredericton, or Saint John, Finance Solution provides a fast, safe, and transparent way to access cash advances in NB. Apply online, receive your funds in as little as 24 hours, and borrow with confidence—knowing your rights are protected every step of the way.
You are from another province of Canada ? Look for a payday loan in Ontario, Alberta, Saskatchewan, British Columbia, Manitoba, Nova Scotia, Prince Edward Island, Newfoundland and Labrador.
IMPORTANT INFORMATION: YOUR RIGHTS AND PROTECTIONS
Annual interest rate (APR)
We work with the best financial institutions to offer you an annual interest rate of 29%. Additional costs may be claimed to cover fees for the preparation, assembly, follow-up of the request and management of the customer file.
Reimbursement terms
Our loans reimbursement terms are 3 to 6 months depending on amount borrowed.
Exemple of reimbursement
For an instant loan of $750, $65 will be withdrawn from your account, weekly, over a 4-month period.
This information is given for descriptive purposes only and considers a full repayment, respecting the established payment schedule. These amounts include the fees claimed by the official agent (broker). Membership fees are subject to change. Finance Solution reserves the right to make such changes at any time. Amounts excludes postponed, refused or returned for insufficient funds payment fees .
Refused payment for insufficient funds or others
A 60$ fee will apply for any payment refused or returned for insufficient funds. These fees will be added at the end of your contract.
Postponed payment
It is possible to modify your payment plan by postponing a payment to a further date than according to your payment schedule. We must receive notice three business days prior to the scheduled withdrawal date and an administration fee of 50$ will be charged at the end of your contract. Please note that the first two payment will not be postponed.
Collection
If you miss a payment, one of our agents will contact you to advise you and rectify the situation. The collection officer will establish with you a new date on which the missed payment will be debited from your account. You will be charged a 65$ fee that will be added to the end of your payment schedule. If several payments are missed or you fail to honor your agreement, your file will be transferred to a collection agency.
Compliance of loan agreement
It is important to comply with your agreement and respect your payments. This will allow you to easily obtain a renewal, in addition of being able to increase the amount of your new loan.
Available in every province, except Québec
Eligibility
Although we strive to satisfy all our customers with flexible eligibility conditions, we are obliged to comply with current financial regulations. In order to evaluate your application, you must meet the following criteria:
- Be 18 and over
- Be a Canadian citizen
- Have a steady job for at least 6 months
- Receive a paycheck by direct deposit in Canada
- Not be under bankruptcy protection, intend on filling for personal bankruptcy or a consumer proposal
Completion of your file
Your file will be completed when these three steps have been done
- Reception and approval of all required documents
- Employment validation
- Verification of your personal references
Loans are deposited Monday through Friday during business hours.
Warning: Short term loans can provide an effective solution to meet your needs, but they have to be used wisely. Despite the fact that short-term loans are efficient and fast, the prevailing rates are higher than those of local banks. Therefore, they should be used occasionally and in situations where lower interest options would not be available, for exemple for an emergency. In order to avoid the appearance of a difficult financial situation, it is recommended that you do not contact several loan services.
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