What is the maximum payday loan fee in Manitoba?

Manitoba allows a maximum fee of $17 per $100 borrowed, regulated by the Consumer Protection Office under the Payday Loans Regulation.

How long is the cancellation period for payday loans in Manitoba?

You have 48 hours after signing to cancel your payday loan agreement in Manitoba with no penalty.

🦌 Manitoba (MB)

PAYDAY LOANS IN MANITOBA

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$17

Max fee per $100

$1,500

Maximum loan

62 days

Max loan term

1.4M

Population

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Provincial Regulations

PAYDAY LOAN RULES IN MANITOBA

Payday lending in Manitoba is governed by the Consumer Protection Office, Manitoba (Payday Loans Regulation). These regulations protect consumers while maintaining access to short-term credit for those who need it.

Manitoba stands out nationally for requiring payday lenders to offer a free extended instalment repayment plan to any borrower who cannot repay in full on the due date. This is an important consumer protection distinguishing Manitoba's framework. The Consumer Protection Office is active in consumer education and maintains public information on licensed lenders.

Key Rules for Borrowers in Manitoba

Maximum fee: $17 per $100 borrowed
Lenders must offer a free instalment repayment plan if the borrower cannot repay in full on the due date
48-hour cancellation right after signing the loan agreement
Lenders must be licensed with the Manitoba Consumer Protection Office
No rollovers or back-to-back payday loans allowed
Borrowers cannot be charged for an instalment repayment plan
Loan agreements must clearly state all fees and the total cost of credit
Default fees are capped by provincial regulation

⚠️ Borrow Responsibly

Payday loans are a short-term financial tool, not a long-term solution. If you find yourself repeatedly relying on payday loans, contact a non-profit credit counsellor in Manitoba for free financial guidance.

🦌

Manitoba

Capital: Winnipeg · Pop: 1.4M

Regulatory Summary

Max fee per $100	$17 per $100
Maximum loan amount	$1,500
Maximum loan term	62 days
Cooling-off period	48 hours
Regulator	MB Gov't

Cities We Serve

Winnipeg, Brandon, Steinbach, Thompson, Portage la Prairie, Winkler, Selkirk, Dauphin, Morden, The Pas and all other communities across Manitoba.

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