Loans Vancouver is an information and referral service. We do not lend, we have no staffed office in Vancouver or anywhere in Metro Vancouver, and nothing on this site is advice for your own situation.
Information, not advice
The pages explain how payday and installment loans work under BC and federal rules and what the legal limits are, and they do nothing more. They do not know your income, the rent on your West End apartment or the balance on your Compass Card, so they cannot tell you whether to borrow, which product to take or how much. A non-profit credit counsellor in Vancouver can look at the whole picture with you at no cost, and the Financial Consumer Agency of Canada publishes plain guidance on the alternatives.
Where the figures come from
Every dollar figure on this site is a legal ceiling or a worked example at that ceiling: the BC limits of $1500 and 62 days on a payday loan, the 50% of net pay limit, the federal cap of $14 per $100 on the payday fee, and the federal criminal rate of 35% as the ceiling on installment lending. A lender's offer may sit below a cap, and its disclosure is the figure you sign. Vancouver detail stays descriptive: we name the SkyTrain lines, the bridges and the neighbourhoods, never a lender, an address or a statistic we cannot source.
The lender sets approval and terms
Approval, the amount, the fee or APR, the due dates and every other term of a loan are decided by the licensed lender, not by this site, and no lender in Canada can promise approval before it has seen your income. Read the agreement before you sign, and check that it shows the lender's name, the cost in dollars and, on a payday loan, your right to cancel at no cost up to the end of the second day the lender is open for business after the first advance.
No promise of accuracy or availability
We work to keep every page current, but laws and products change and a page can fall behind. We make no promise that the site, the platform or a lender will be available when you need them, or that a figure here still matches a lender's current disclosure. The terms of use set out the limits on liability, the about page explains who runs the site, and the FAQ answers the questions Vancouver readers ask most.
Loan options in Vancouver
One page per product: who qualifies, how fast it funds and what to check before you sign.
