Quebec’s Consumer Protection Act does **not allow payday loans** like other provinces. However, Quebec residents still need safe, legal ways to access fast emergency cash. Here are compliant, secure alternatives.
Explore Your Options
Although payday loans are not permitted in Quebec, residents can still explore safe short-term borrowing solutions available across the province.
Quebec has the strongest consumer protection laws in Canada. Under Quebec’s Consumer Protection Act:
Any company offering payday loans in Quebec would be breaking the law. That’s why RedPayday provides **legal alternatives only**.
Here are options that comply with Quebec law:
These loans spread repayment over several months with interest rates below Quebec’s 35% limit.
Desjardins and other credit unions offer affordable short-term options.
Many Quebec employers now offer early wage access programs.
Far cheaper than any payday loan and legally compliant.
Low-income families may qualify for temporary aid depending on the situation.
You may qualify if you:
We only match you with legal, Quebec-compliant products.
You’ll see safe borrowing alternatives — no payday loans, no inflated fees, no prohibited APR rates.
Your lender will disclose fees and terms before you commit.
Depending on the option, funding can be same-day or next-day.
We encourage Quebec residents to compare all alternatives and only borrow what they can manage safely.