Using this site means accepting these terms. The short version: Loans Saint John is a free publication with a single referral link, it does not lend, broker or advise, and any loan you sign after leaving here is a contract between you and a licensed lender under New Brunswick and federal law.
What you are using
You are reading pages written by an independent publisher about payday and installment lending in Saint John and the rest of New Brunswick. The site holds no licence from FCNB, the Financial and Consumer Services Commission, because no loan and no credit decision ever happens on it. Pressing apply takes you off this domain to the platform where licensed Canadian lenders receive applications.
Accuracy and updates
Pages are written from the Cost of Credit Disclosure and Payday Loans Act, the Payday Lending Regulation, the federal Criminal Code limit and the material FCNB publishes, with the review date shown at the top of each page. Where a page here differs from a lender's written agreement, the agreement governs. A payday cost above $14 per $100, or an installment APR above 35%, is the signal to walk away from a lender, not a figure you will find quoted here.
The referral relationship
When a loan that began at our apply link funds, the lender pays this site a referral fee, and that fee is the site's only revenue. It flows from lender to publisher, never appears in your agreement and never touches what you repay. The referral disclosure holds the full detail, and the privacy page covers what the link itself transmits.
Your agreement is with the lender
A loan you sign is a contract between you and the lender named on it; Loans Saint John is not a party to it. A payday agreement sits under the Cost of Credit Disclosure and Payday Loans Act, with every lender, online lenders included, licensed by FCNB; a licence is not an endorsement, and an online lender's licence must name its website.
The statute, not these terms, is where your protections come from: $14 per $100 as the cost ceiling; $1500 and 62 days as the limits, repaid in one payment on your next pay date; the advance held to 30% of the net pay you will receive during the term; 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; and default charges capped at 2.5% a month plus at most $20 per dishonoured payment. An installment agreement answers to the federal 35% APR ceiling. A lender ignoring any of this belongs on the complaints page.
Acceptable use
Read the site, link to it and quote short passages with credit. Copying whole pages, scraping the site or pasting its content into unsolicited messages is not permitted. The pages are written for adults; 19 is New Brunswick's age of majority.
Limits on liability
The site is provided as it is. We accept no liability for decisions made after reading it, for the conduct of any lender or of the platform, or for any of the three being offline at the moment you need them. Any limitation that New Brunswick or federal law does not allow does not apply.
Changes
These terms change when the law or the site changes, and the date at the top records when. Continuing to use the site means accepting the current version. Questions go to the contact page; the about page explains who writes everything.
Loan options in Saint John
One page per product: who qualifies, how fast it funds and what to check before you sign.
