Loans Halifax publishes information and one apply button. It is not a lender or a broker, it keeps no office in Halifax or Dartmouth, and nothing here is advice about your money or your legal position. The figures on the site are legal caps and worked examples, and the lender sets the terms you sign.
Information, not advice
These pages describe how payday and installment loans work under Nova Scotia and federal law; they do not weigh your situation. They cannot see your pay deposits, the rent on a flat in the North End or the size of the oil bill in January, so they cannot tell you whether to borrow, how much or from whom. Nothing here is legal advice either; a question about a lender's conduct belongs with Service Nova Scotia or a lawyer.
Figures are illustrative
Every dollar figure on this site is a legal ceiling or an example worked at that ceiling, never a quote. When the payday loans page says a $300 loan costs $42 and $342 comes out on your next pay date, that is the arithmetic at the $14 per $100 cap, and a lender may charge less. When the installment loans page shows a payment at 18% to 35% APR over 3 to 60 months, the payment depends on the rate and term a lender offers. The cost of borrowing disclosure on your agreement is the number you sign for.
What the cap wording means
"Capped at $14 per $100" means the most a payday lender holding a Nova Scotia permit may charge, all fees included, under an order of the Nova Scotia Regulatory and Appeals Board made under the Consumer Protection Act; it has stood since January 1, 2025, and it is a ceiling, not a rate we set. The $1500 maximum, the 62 day limit, the $20 cap on a default penalty, the 30% a year cap on interest after default, the cancellation right (the end of the next business day, or 48 hours for an online loan), the one loan at a time rule and the rollover ban come from the same Act, Sections 18A to 18U, and the Payday Lenders Regulations. The 35% APR top of installment lending comes from section 347 of the Criminal Code.
The lender sets the terms
Approval, the amount, the cost or APR, the repayment date and every other term are the lender's decision, not ours, and nothing on this site means a lender will make you an offer. Before you sign a payday agreement, see that it names the lender, states the total cost in dollars, sets repayment on your next pay date and carries the cancellation notice the Act requires. Once you sign, the lender's agreement governs, not any sentence here.
Our sources
The Nova Scotia rules on this site come from the province's payday loans rights page, from the text of the Consumer Protection Act and the Payday Lenders Regulations, and from the orders of the Board, whose payday loans mandate page sets the cost caps. The federal rules come from the Financial Consumer Agency of Canada. Halifax detail stays descriptive: we name the harbour, the bridges, the highways, the hospitals and the neighbourhoods, never a lender, an address, a rent figure or a count we cannot source.
The last updated date
The law, the caps and a lender's prices can change after a page is written. The last updated date at the top of each page records the day it was last checked against the Act, the Regulations and the Board's current order. We do not promise that a figure here matches a lender's latest disclosure. The terms of use set the liability limits and the referral disclosure explains how the site is paid.
Loan options in Halifax
One page per product: who qualifies, how fast it funds and what to check before you sign.
