Best Payday Loans in British Columbia and Vancouver
Apply Online Today - No Credit Check Options Available
Do you need a quick payday loan in British Columbia and Vancouver to help with an unexpected payment? We offer a fast online application process where you can get an instant decision and get funded within 1 hour, 24 hours or the same day of applying. Whether you are in Vancouver, Surrey or Burnaby, simply click on ‘Get Started’ below to start our free application process.
3 Simple Steps to Get a Payday Loan in British Columbia and Vancouver…
How Fast Can I Get a Payday Loan in British Columbia and Vancouver ?
With Dime Alley, we can offer a payday loan on the same day of applying or sometimes within 1 hour of approval. You may find yourself in a position where you need urgent funding, such as an unexpected bill or house repairs.
A payday loan could be the easiest solution to help you get through until your next paycheck. All you need to do is fill out the simple online form to get an instant decision on your application. You could have the loan in your bank account the very same day, in one lump sum.
Am I Eligible for a Payday Loan in British Columbia and Vancouver?
Yes! You are eligible to qualify for a payday loan in British Columbia and Vancouver if you meet a few simple criteria:
- You must be a Canadian resident, over the age of 18.
- You should have a stable, regular income, earning a minimum of $800 per month.
- You should have a valid mobile phone account and a live checking account (for your loan to be deposited into).
Meet these requirements? Don’t delay! Click ‘Apply Now’ to start our online form and get an instant decision on your loan
What Are The Regulations For Payday Loans In British Colombia and Vancouver?
|Maximum Loan Amount
|50% of your paycheque or maximum $1500
|Minimum Loan Term
|Maximum Loan Term
|No. of Rollovers Allowed
|Ability to Repay Early?
|Yes, No Fee
|Are Payday Loans Legal in British Colombia?
|Cooling Off Period
How Much Will My Payday Loan Cost?
As an example below of a payday loan to find out how much a payday loan could cost:
If you were to borrow $500 for 14 days in British Colombia, the total repayment of the loan would be $575 based on APR of 391%.
Where Can I Get a Payday Loan in British Columbia and Vancouver?
You can get a payday loan anywhere in British Columbia, including the main cities of Vancouver, Burnaby, and Surrey. Our fully online service makes the process as fast and as easy as possible. Wherever you are based, you can apply from your phone, laptop, computer, or tablet to get an instant offer for your loan request. Start your application today from any of the following locations:
Fort St. John
What Are the Terms of a Payday Loan In British Columbia and Vancouver?
The terms for payday loans in British Columbia will depend on what you agree upon when you accept a loan offer. Smaller loans will generally have a shorter timetable for repayment.
But it is important to note that the maximum loan term for a payday loan in British Columbia is 62 days.
Before agreeing to a payday loan with a lender, ensure that you are confident in the terms of repayment. Consider how much you need to borrow and can easily repay.
Remember that if you cannot pay your loan on time, it is possible that interest could be added and your credit may be affected. A damaged credit score can lead to difficulty in securing approval for future loans.
Can I Get a Payday Loan in British Columbia with Bad Credit?
You can find a payday loan in British Columbia and Vancouver even if you have very poor credit history. We work with a number of lenders who accept borrowers with every type of credit history.
Even if you have previously been turned down by a bank in British Columbia because of your credit score, you should still enquire with Dime Alley. As long as you meet our eligibility requirements, e.g. you are a Canadian citizen with stable income, applying for a loan with a bad credit score is still an option.
Additionally, there is no need to worry about your credit score when making an application with Dime Alley. Applying with us will not leave a footprint on your credit report or affect your credit rating. We are here to help every step of the way in securing a reliable loan that suits your specific needs.
Will I Get a Guaranteed Payday Loan With Dime Alley?
You cannot always get a guaranteed loan in British Columbia. However, at Dime Alley, we work with a wide range of lenders across British Columbia to find the lender who is most likely to approve your request.
Even if you have very poor credit or a bad credit history, our partners fully understand the challenges faced in finding a loan if you have a poor credit score. Sometimes there is an urgent payment that can’t wait. Use our quick, free, and easy online form to find a reliable loan that’s right for you.
What People Say About Us
“I found the experience overall easy to use. I had to sign an agreement online and all the terms were there and very clear. I would do it again if I needed some money.”
Imani, Georgia, March 2021
“I need a loan to pay back a friend and it was all very quick and easy to get a couple of hundred bucks which I repaid over a couple of weeks.”
Malik, California, December 2022
“Personal and friendly, they did what they said they would do, I was approved for a loan although I have bad credit. It was just a short term thing, but has helped me and my family.”
Merryl, Texas, September 2021
Frequently Asked Questions
Do You Charge a Fee For Applying Through Dime Alley?
No, there is no charge for using our service. Our free platform works to find the most appropriate lender and loan for your needs.
Is Dime Alley a Direct Lender For Payday Loans in British Columbia?
No, Dime Alley is a broker that connects residents with reputable lenders in Canada. We work with lending partners that offer the most competitive rates in the province.
How Much Can I Borrow?
Dime Alley works with partners that offer loans from $100 up to $1,500. In the province of British Columbia, the maximum amount for one loan is $1,500. The loan must be repaid within 62 days.
Can I Apply If I Am Unemployed?
You need to have proof of stable employment in order to secure a loan in British Columbia.
Can I Get a Payday Loan With No Credit Check?
While Dime Alley will consider those looking for no credit check loans, it is important to note that a credit check is usually carried out for all customers.
Are Payday Loans Legal in British Columbia?
Yes. Payday loans are legeal in British Columbia. There are a few regulations in place – such as the maximum cost of a loan being set as $15 for every $100 borrowed.