Loans Saint John explains payday and installment borrowing for people who earn their pay around the harbour, from hospital rotations at Tucker Park to longshore hours on the west side. Every page carries the New Brunswick figures that decide a loan: $14 per $100 as the most a payday loan can cost, one payment on your next pay date, 48 hours to cancel. Nothing is lent on this site, and reading it costs nothing.
What this site is
Loans Saint John is a small library of pages on the two loans borrowers here meet online, payday and installment, with one apply link that reaches licensed lenders serving New Brunswick. A payday loan runs $100 to $1500, costs at most $14 per $100 and leaves your account in one payment on your next pay date, never more than 62 days out. An installment loan runs $500 to $10000 and repays monthly over 3 to 60 months at 18% to 35% APR.
The pay calendar usually picks between them. A power bill that lands three days ahead of a biweekly hospital deposit is a one paycheque problem. A furnace giving out in an east side bungalow in January, or the quiet stretch a server uptown faces after the last cruise ship of the season leaves in early November, runs past a single pay period and belongs on the installment side.
How the site earns money
A referral fee from a lender is the site's only income, paid when a loan that started at our apply link funds. The borrower never pays it and never sees it, and it cannot raise a price the law already caps at $14 per $100 or 35% APR. A declined application earns nothing, and neither does a loan cancelled inside New Brunswick's 48 hour window. The referral disclosure spells out every detail.
Who runs it
Loans Saint John belongs to an independent Canadian publisher that operates a small number of local loan guides. The Loans Saint John Editorial Team writes and checks every page; nobody on it lends, brokers or advises, and no lender sees a page before it goes live. The sources are the Cost of Credit Disclosure and Payday Loans Act, the Payday Lending Regulation, what the Financial and Consumer Services Commission (FCNB) publishes and the federal Criminal Code limit. The site carries no reviews, no ratings and no testimonials.
What we hold ourselves to
A page goes live only after it passes this list.
- Every cost is quoted at the legal ceiling: $14 per $100 on a payday loan, $1500 and 62 days as the New Brunswick limits, 30% of the net pay you will receive during the term as the most a lender may advance, 35% APR as the federal top for installment lending.
- Repayment is described the New Brunswick way: one payment on the next pay date, with no talk of an extended payment plan, because New Brunswick law does not create one.
- Approval is called what it is, a lender's decision read from your employment deposits, never a promise.
- The statute's protections are listed as it writes them: an FCNB licence for every payday lender, online lenders included; cancellation at no cost within 48 hours of receiving the money, Sundays and other holidays not counted; one loan at a time with the same lender; no rollovers; age of majority 19.
- Saint John appears as it really pays: biweekly deposits from the hospitals, the City and the Province, refinery and mill shifts with contractor surges at turnarounds, port hours that follow the shipping schedule, cruise season tips that stop in early November, and power bills on electric baseboard that peak January to March.
- Every stated rule links to the statute or the regulator, so nothing rests on our word alone.
What we are not
Loans Saint John is not a lender and holds no FCNB licence, because licences attach to lenders, not to publications. No page here asks for a bank login, a pay stub or a piece of identification; all of that happens on the application platform behind the apply button, where each participating lender carries its own licence. FCNB lists what a licensed payday lender owes you and takes the complaint when one falls short.
There is no Loans Saint John office uptown or anywhere else, and no phone line. The whole process fits on a phone, on a main line bus between McAllister Place and the west side, in a break room before a night shift, or at a kitchen table in Millidgeville while the fog sits on the harbour. Reach us through the contact page, read the four steps on how it works, and let the FAQ take the rest.
Loan options in Saint John
One page per product: who qualifies, how fast it funds and what to check before you sign.
