Best Payday Loans in British Columbia and Vancouver

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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.

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3 Simple Steps to Get a Payday Loan in British Columbia and Vancouver…

Step 1: Apply Online in British Columbia and Vancouver

This is a quick and easy process that involves filling out some personal and financial details. It only takes around 5 minutes to complete!

Step 2: Receive A Loan Offer From a Lender

You will receive an offer with several options to choose from based on your financial situation. You will then decide whether you want to go forward with the loan.

Step 3: Get Your Payday Loan

Once your application is approved, you will then receive a lump sum into your bank account. You could receive anything from $100, $500, to up to $1,500, and often within 24 hours of your application.

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
Maximum APR 782%
Minimum Loan Term 7 days
Maximum Loan Term 62 days
No. of Rollovers Allowed 0
Ability to Repay Early? Yes, No Fee
Are Payday Loans Legal in British Colombia? Yes
Cooling Off Period 1 day

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:

Abbortsford

Armstrong

Burnaby

Campbell River

Castlegar

Chilliwack

Colwood

Coquitlam

Courtenay

Cranbook

Dawson Creek

Delta

Duncan

Enderby

Fernie

Fort St. John

Grand Forks

Greenwood

Kamloops

Kelowna

Kimberely

Langford

Langley

Maple Ridge

Merritt

Mission

Nanaimo

Nelson

New Westminster

North Vancouver

Parksville

Penticton

Pitt Meadows

Port Alberni

Port Coquitlan

Port Moody

Powell River

Prince George

Prince Rupert

Quesnel

Revelstoke

Richmond

Rossland

Salmon Arm

Surrey

Terrace

Trail

Vancouver

Vernon

Victoria

West Kelowna

White Rock

Williams Lake

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

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.

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