High-Cost Credit in Canada
What “high-cost credit” means in Canada, how the 35% criminal-interest framework interacts with provincial rules, and why payday loans are treated differently.
Open guide →Payday Loan Licensing in Canada
How payday-lender licensing works in Canada, why online lenders still need authorization, and how borrowers can verify a provider before borrowing.
Open guide →Online Lenders & Loan Apps in Canada
How Canadian borrowers can evaluate online lenders and loan apps: legal identity, jurisdiction, licensing, data access, contracts and red flags.
Open guide →Pre-Authorized Debits for Loans in Canada
What borrowers should know when a lender uses pre-authorized debits: agreements, variable withdrawals, cancellation, unauthorized debits and repayment obligations.
Open guide →Canada’s Criminal Rate of Interest
A borrower-focused explanation of Canada’s 35% APR criminal-interest framework, the January 2025 reforms, payday-loan exemptions and why provincial rules still matter.
Open guide →Cooling-Off Periods for Payday Loans in Canada
How payday-loan cancellation and cooling-off rights work across Canada, what cancellation can require, and why borrowers must check their province.
Open guide →Payday Loan Rollovers & Replacement Loans in Canada
Why payday-loan rollovers are restricted in most provinces, how repeated borrowing can increase risk, and what borrowers should examine before refinancing short-term debt.
Open guide →How to Complain About a Lender in Canada
A practical Canadian complaint pathway for loan-app borrowers: preserve evidence, identify the regulator, use the lender’s process and escalate to the right body.
Open guide →Alternatives to Payday Loans & High-Cost Credit in Canada
Lower-cost possibilities Canadian borrowers can compare before using a payday loan or high-cost app loan, plus a framework for comparing real borrowing cost.
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