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Cash Cowboy is a fully-certified and licensed payday loans company servicing the provinces of British Columbia, Alberta, Manitoba, and Ontario, Canada. We specialize in fairness and accessibility—offering payday loans that ensure everyone gets a fair opportunity. We dont let credit scores or histories dictate your financial possibilities. Instead, we provide a fast, secure way to reach your financial goals without unnecessary hurdles.



At Cash Cowboy, we understand that your request for a payday loan is just a step towards achieving greater things. Whether you need it urgently or simply desire the extra funds, a short-term payday loan from Cash Cowboy is straightforward and can make a significant difference. And you won’t need to jump through hoops to get it.

Payday Loan Regulations in Canada: A Provincial Overview



British Columbia (BC)
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- Minimum and Maximum Repayment Period: The minimum repayment period for a payday loan in BC is now 90 days.
- Maximum Annual Percentage Rate (APR): Payday loans in BC can have a maximum APR of 36%.
- Interest Fees: Adjusted to meet the 36% APR cap.
- Non-Sufficient Funds Fees: $45.
- Late Payment Fee: $20.



Alberta (AB)
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- Minimum and Maximum Repayment Period: Alberta regulations now require a minimum repayment period of 90 days for payday loans.
- Maximum Annual Percentage Rate (APR): The maximum allowable APR in Alberta for payday loans is capped at 36%.
- Interest Fees: Adjusted to meet the 36% APR cap.
- Non-Sufficient Funds Fees: $45.
- Late Payment Fee: $20.



Ontario (ON)
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- Minimum and Maximum Repayment Period: In Ontario, the repayment period for payday loans is now set at a minimum of 90 days.
- Maximum Annual Percentage Rate (APR): The APR for payday loans in Ontario is limited to 36%.
- Interest Fees: Adjusted to meet the 36% APR cap.
- Non-Sufficient Funds Fees: $45.
- Late Payment Fee: $20.



Manitoba (MB)
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- Minimum and Maximum Repayment Period: Manitoba’s payday loan regulations now require a minimum repayment period of 90 days.
- Maximum Annual Percentage Rate (APR): The maximum APR in Manitoba for payday loans is set at 36%.
- Interest Fees: Adjusted to meet the 36% APR cap.
- Non-Sufficient Funds Fees: $45.
- Late Payment Fee: $20.



For instance, in Ontario, a 90-day loan of $300 incurs an interest fee of $27. This brings the total repayment amount to $327, with an APR of 35.98%. No additional charges or fees will apply unless a payment is missed under the Loan Agreement. If a payment is missed, a non-sufficient funds (NSF) fee of $45 and a late interest fee of 12 cents per day will be charged until the remaining balance and missed payment fees are settled.



Testimonials:
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"This is my first time getting a payday loan and I love it so much the process was smooth and easy! Will be using for emergency
" – Alya H, July 2024, Google Review.

"So far this has been a quick and painless application. Instructions were easy to follow and the free incentive was a nice surprise!
" - Sara VanderSchee, July 2024, Google Review.

"Took less than an hour to fill application, get approved and receive the e transfer Very quick process
" - Emma Bradstock, July 2024, Google Review.get approved and receive the e transfer Very quick process" - Emma Bradstock, July 2024, Google Review.