Find Quick Payday Loans in Nova Scotia Today!

Wherever you are in Nova Scotia, from Halifax to Lunenburg, apply for a payday loan with Dime Alley and we can find you the best loan rates available. Borrow $100, $300 or $1000 and if your application is accepted you could have access to funds the very same day, or by the next business day. Click ‘Apply Now’ to get an instant online response!


3 Simple Steps to Apply for a Nova Scotia Payday Loan

Step 1: Complete The Application Form Online

Our simple online application form takes just 5 minutes to complete. Fill in your address, contact details and employment information and let us know how much you are looking to borrow and for how long – we then do the hard work for you in finding the perfect lender!

Step 2: Get A Payday Loan On Your Screen

Wherever you are located, we will work our hardest to find a lender most likely to approve your application. Even if you have bad credit history you could have an instant offer on your phone, tablet or computer. 

Step 3: Money In Your Bank Account

If you meet the eligibility criteria and accept the terms of your loan with your chosen lender the money could be in your live checking account within 1 hour, 24 hours or by the next working day. Get started on your application now!



As a broker, Dime Alley ensures that your payday loan is affordable for you – even if you don’t have a perfect credit score.

The Right Fit


We only work with legitimate and reputable lenders, so we know that they are lending responsibly and are offering you a fair rate.

Soft Search


We offer soft search loans which will check your credit history without impacting your credit score or leaving a footprint.

Why Should I Use Dime Alley For Payday Loans in Nova Scotia and Halifax?


You might have found yourself with an unexpected payment and need fast cash to help cover the cost until your next paycheck comes in. Dime Alley offers you a hassle-free way of finding the best payday loan for you. 

Our easy online form requires your basic details such as your employment status and address, and you will immediately be presented with an offer from a lender most suited to your financial situation – there are options for borrowers with bad credit or those seeking loans with no credit checks. 

If you accept your payday loan offer you could have the money in your bank account within 1 hour, 24 hours or by the next working day. There are flexible repayment plans to help you get back on your feet as soon as possible. 


What Are The Regulations For a Payday Loan in Nova Scotia?


Maximum Loan Amount $1,500
Maximum APR N/A
Minimum Loan Term None
Maximum Loan Term 62 days
No. of Rollovers Allowed 0
Ability to Repay Early? Yes, No Fee
Are Payday Loans Legal in Nova Scotia? Yes
Cooling Off Period 1 Day

What Does a Payday Loan Cost in Nova Scotia?


If you were to borrow $500 for 14 days in Nova Scotia, the total repayment of the loan would be $585 based on APR of 443%.

How Do Repayments Work For My Payday Loan In Nova Scotia?


When you accept your loan offer from one of our many reputable lenders in Nova Scotia, you will agree upon the repayment terms of your loan. Be that $100 or $1500, the repayments will be made automatically from your checking account on a monthly date which will be agreed upon in writing – the process is made as easy for you as possible!

There is always the option of repaying your loan early which could save you money on interest in the long run. Be sure to discuss any changes to your repayment plan with your lender as in some cases an early repayment fee might apply. 

What If I Cannot Repay My Nova Scotia Payday Loan?


It is very important to meet the terms of your payday loan repayments as missing repayments can have serious consequences for your credit rating. In some cases you could incur a late payment fee, there could be additional interest on your loan and it can negatively affect your credit score which will impact your ability to apply for future financial help. 

You should contact your direct lender if you become aware you will struggle to meet an upcoming repayment. They might be able to come up with an alternative repayment plan which could save you from any damage to your credit rating. 

Can I Get A Payday Loan In Nova Scotia With No Credit Check?


We offer soft search loans which can review your credit history without leaving any visible footprint on your credit report. So applying with Dime Alley will not have any impact on your credit rating or your ability to apply for future loans. 

There are always options for one of our partner lenders to consider a no credit check loan – for example using another form of collateral such as your car or house as leverage for your borrowed amount. Let us help you find the best payday loan for you today – the online form takes just minutes to complete to get you an instant offer!

Can I Get A Nova Scotia Payday Loan If I Have Bad Credit?


Dime Alley works with multiple lenders across Nova Scotia so we can connect you with a lender even if you have bad credit, or no credit at all. As long as you meet the requirements to be eligible for a payday loan online such as having stable employment and a regular income, you could have access to the funds

Can I Get Guaranteed Approval For My Loan?


Whilst we cannot fully guarantee your application will be approved, we will work our hardest to find the lender in Nova Scotia who is most likely to accept your application. We work with multiple partners across the province, from Halifax to Sydney, who can consider borrowers with all types of credit history. See guaranteed loans for more information.

Where Can I Get a Payday Loan in Nova Scotia and Halifax?

By applying for a loan with Dime Alley, there’s no need to leave the house! Our fully online platform searches multiple lenders across Nova Scotia to find you a loan. We can match you with a lender in all major towns and cities including:




New Glasgow

Cole Harbour

Glace Bay





Sydney Mines







Port Hawkesbury











FAQs on Payday Loans in Nova Scotia

There are regulations in Nova Scotia that mean you cannot be charged more than $17 for every $100 borrowed. This price cap exists as an extra form of protection for borrowers. 

No – Dime Alley is a broker. This means we will not provide you with the funds for your loan, but instead connect you to a direct lender with the best rates for your application. Our service is completely free to use and you will never be charged an upfront fee.

The maximum payday loan amount in Nova Scotia is $1,500. Start your application now and you could have same day access to $100, $200 or $500.