Loans Saint John works with licensed New Brunswick lenders across 5 loan types. Each has its own page below with who it suits, how the lender sizes it and how quickly it funds by e-transfer. Pick the one that matches the bill in front of you.
Payday Loans Saint John
$100 to $1500 repaid in one payment on your next payday, capped at $14 per $100 and 30% of your net pay under New Brunswick law.
Payday loans in Saint John are capped at $14 per $100 under New Brunswick law: borrow $100 to $1500 for up to 62 days, repay in one payment on your next pay date, and never more than 30% of the net pay you receive during the term. This page works every cost in dollars.
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Installment Loans Saint John
$500 to $10000 at 18% to 35% APR, repaid in fixed payments over 3 to 60 months.
Installment loans in Saint John run $500 to $10000 at 18% to 35% APR, repaid in fixed monthly payments over 3 to 60 months, with the federal criminal rate capping every quote at 35%. This page works the payments in dollars and shows when the monthly product beats a payday loan.
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Bad Credit Loans Saint John
Approval read from employment income and banking, not from a credit score.
Bad credit loans in Saint John are decided on employment income and banking rather than a credit score: payday lenders advance $100 to $1500 at a capped $14 per $100, installment lenders write $500 to $10000 at 18% to 35% APR, and New Brunswick law caps both. This page gives honest odds by situation.
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E-Transfer Loans Saint John
Applications funded by Interac e-transfer, often within the hour during business hours.
E-transfer loans in Saint John move by Interac e-transfer, usually within about 30 minutes of approval during business hours and next morning after a cutoff, and New Brunswick caps the cost at $14 per $100 for payday loans and 18% to 35% APR for installment loans however fast the money lands.
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Personal Loans Saint John
Unsecured loans for the bills a single paycheque cannot clear, sized to your pay calendar.
Personal loans in Saint John are unsecured loans of $500 to $10000 at 18% to 35% APR, repaid monthly over 3 to 60 months, for the bills a single paycheque cannot clear. This page works the payments by rate and by term, then compares a bank against an online lender without flattery.
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Choosing between them
A payday loan bridges one cheque to the next and is sized to a share of that cheque. An installment or personal loan spreads a larger cost over months. A bad credit page explains what a lender reads instead of a score. If you are unsure, the how it works page walks through the application, and the FAQ answers the questions that come up most.
