What is the maximum payday loan fee in Nova Scotia?

Nova Scotia allows a maximum fee of $19 per $100 borrowed under the Consumer Protection Act (Payday Lenders Regulations).

Who regulates payday lenders in Nova Scotia?

Service Nova Scotia licenses and regulates all payday lenders operating in Nova Scotia.

Can I cancel a payday loan in Nova Scotia?

Yes. You have 2 business days after signing to cancel with no penalty.

🦞 Nova Scotia (NS)

PAYDAY LOANS IN NOVA SCOTIA

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$19

Max fee per $100

$1,500

Maximum loan

62 days

Max loan term

1.0M

Population

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Provincial Regulations

PAYDAY LOAN RULES IN NOVA SCOTIA

Payday lending in Nova Scotia is governed by the Service Nova Scotia — Consumer Protection Act (Payday Lenders Regulations). These regulations protect consumers while maintaining access to short-term credit for those who need it.

Nova Scotia's payday lending framework is administered by Service Nova Scotia. At $19 per $100, the province sits at the middle range of provincial fee caps. Borrowers should always verify their lender is listed on Service Nova Scotia's public licence registry before signing any loan agreement.

Key Rules for Borrowers in Nova Scotia

Maximum fee: $19 per $100 borrowed
All payday lenders must hold a valid Nova Scotia provincial licence
2-business-day right of cancellation after signing the loan agreement
Written loan agreements must be provided to borrowers before disbursement
No rollovers or consecutive loans before previous loan is repaid
Lenders must display a notice of borrower rights at all business locations
Advertising must clearly and prominently state the cost of borrowing
Illegal to use unfair or deceptive collection practices

⚠️ 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 Nova Scotia for free financial guidance.

🦞

Nova Scotia

Capital: Halifax · Pop: 1.0M

Regulatory Summary

Max fee per $100	$19 per $100
Maximum loan amount	$1,500
Maximum loan term	62 days
Cooling-off period	2 business days
Regulator	NS Gov't

Cities We Serve

Halifax, Dartmouth, Sydney, Truro, New Glasgow, Glace Bay, Bridgewater, Amherst, Yarmouth, Antigonish and all other communities across Nova Scotia.

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