# Jessica’s House > Jessica’s House (jessicashouse.ca) is a free Canadian service that matches borrowers with provincially licensed payday, personal and car loan lenders. It is not a lender. Payday loans in the nine provinces with payday laws cost at most $14 per $100 borrowed (about 365% APR over 14 days), are limited to $1,500 and 62 days. Quebec and the territories don't have payday loan regimes, so the 35% APR criminal rate applies there. Content reviewed November 2026. ## Start here - [Payday Loans Canada](https://www.jessicashouse.ca/): Apply online for payday loans in Canada from $100 to $1,500, plus personal loans up to $15,000. Licensed lenders, e-Transfer funding, cost shown before you apply. ## Apply - [Apply Now](https://www.jessicashouse.ca/apply-now/): Apply in about five minutes for $100 to $15,000. One secure form, matched with licensed Canadian lenders. Free to use, and applying doesn’t affect your credit score. - [Car Loans Canada](https://www.jessicashouse.ca/car-loans-canada/): Bad credit doesn’t mean no car. Apply in under 2 minutes, see the monthly payment you can be approved for, then a dealer matches a used vehicle to that budget. ## Loan guides - [Online Payday Loans](https://www.jessicashouse.ca/online-payday-loans/): How online payday loans work in Canada: who qualifies, the $14 per $100 cost cap, how much you can borrow against your pay, and how to spot an unlicensed site. - [E-Transfer Payday Loans](https://www.jessicashouse.ca/e-transfer-payday-loans/): E-Transfer payday loans explained: when the money arrives, why Autodeposit speeds it up, bank holds and cut-off times, and the e-Transfer scams to watch for. - [No Credit Check Payday Loans](https://www.jessicashouse.ca/no-credit-check-payday-loans/): Most Canadian payday lenders don’t run a hard credit check. See what they review instead (income, bank history, existing loans) and how a loan can affect your file. - [Faxless Payday Loans](https://www.jessicashouse.ca/faxless-payday-loans/): Faxless payday loans use instant bank verification and e-signatures instead of faxed pay stubs. What the lender can see, what it can’t, and when you may still need documents. - [Instant Payday Loans](https://www.jessicashouse.ca/instant-payday-loans/): How fast an instant payday loan really is in Canada: decision times, cut-offs, weekends and the five things that delay funding, plus how to avoid paying for speed. - [No Credit Check Loans](https://www.jessicashouse.ca/no-credit-check-loans/): Compare no credit check loans in Canada: payday loans, pawn loans, credit-builder loans, employer advances and more, ranked by real cost and risk. - [No Refusal Loans](https://www.jessicashouse.ca/no-refusal-loans/): No licensed lender in Canada can promise a no refusal loan. Learn why lenders say no, the common reasons applications fail, and seven ways to improve your chances. - [Instant Payday Loans Company](https://www.jessicashouse.ca/instant-payday-loans-company/): How to vet an instant payday loans company in Canada: licence lookups, fee red flags, data handling, collection rules and the warning signs of a fake lender. ## Province and territory rules - [Payday Loans Ontario](https://www.jessicashouse.ca/payday-loans-ontario/): Payday loans in Ontario: the $14 per $100 cap, the 50% of net pay limit, the 2-day cancellation right, extended payment plans and how to check a lender’s licence. - [Payday Loans British Columbia](https://www.jessicashouse.ca/payday-loans-british-columbia/): Payday loans in BC: the $14 per $100 cap, the 50% net income limit, the cancel-any-time rights unique to BC and how to check a Consumer Protection BC licence. - [Payday Loans Alberta](https://www.jessicashouse.ca/payday-loans-alberta/): Alberta payday loans must be repaid in instalments over at least 42 days. See what that means for your payments, the real APR, and Alberta’s other protections. - [Payday Loans Saskatchewan](https://www.jessicashouse.ca/payday-loans-saskatchewan/): Payday loans in Saskatchewan: the $14 per $100 cap, one loan at a time, a next-business-day cancel window and Saskatchewan’s tight limits on default charges. - [Payday Loans Manitoba](https://www.jessicashouse.ca/payday-loans-manitoba/): Manitoba caps payday loans at 30% of net pay and repeat loans at $5 per $100. Work out your limit and see the province’s other borrower protections. - [Payday Loans Quebec](https://www.jessicashouse.ca/payday-loans-quebec/): Why payday loans aren’t available in Quebec, how the 35% rate limit works, and lower-cost short-term options for Quebec residents. - [Payday Loans New Brunswick](https://www.jessicashouse.ca/payday-loans-new-brunswick/): Payday loans in New Brunswick: the 30% of net pay limit, licensing through FCNB, what early repayment does and doesn’t save, and free help in the province. - [Payday Loans Nova Scotia](https://www.jessicashouse.ca/payday-loans-nova-scotia/): Nova Scotia payday loans: how to check a lender’s permit, the $20 default charge cap, due-date protections and the rules on repayment methods. - [Payday Loans Prince Edward Island](https://www.jessicashouse.ca/payday-loans-prince-edward-island/): Payday loans in PEI: the 7-day gap between loans, cancelling by the end of the second day, and why an unlicensed lender can’t charge you any cost of borrowing. - [Payday Loans Newfoundland and Labrador](https://www.jessicashouse.ca/payday-loans-newfoundland-and-labrador/): Payday loans in Newfoundland and Labrador: the $14 per $100 cap, the 50% limit, instalments on a third loan in 62 days, and default fee limits. - [Payday Loans Yukon, NWT and Nunavut](https://www.jessicashouse.ca/payday-loans-yukon-nwt-nunavut/): Payday loans in the territories fall under the 35% APR criminal rate, not the $14 per $100 cap. What that means and lower-cost options in the North. ## Ontario city guides - [Payday Loans Toronto](https://www.jessicashouse.ca/payday-loans-toronto/): Payday loans in Toronto, from Scarborough to Etobicoke: Ontario’s $14 per $100 cap, the 50% pay limit, e-Transfer timing and free Toronto help to try first. - [Payday Loans Ottawa](https://www.jessicashouse.ca/payday-loans-ottawa/): Payday loans in Ottawa: Ontario rules, what a loan costs, federal pay-problem tips, why Gatineau residents can’t use Ontario lenders, and free Ottawa help. - [Payday Loans Mississauga](https://www.jessicashouse.ca/payday-loans-mississauga/): Payday loans in Mississauga, from Malton to Port Credit: Ontario’s cost cap and 50% limit, shift-work pay schedules, and free Region of Peel help. - [Payday Loans Brampton](https://www.jessicashouse.ca/payday-loans-brampton/): Payday loans in Brampton: what Ontario’s rules allow, newcomer and trucking income tips, large-household budgets, and free Region of Peel help before you borrow. - [Payday Loans Hamilton](https://www.jessicashouse.ca/payday-loans-hamilton/): Payday loans in Hamilton, including Stoney Creek, Ancaster, Dundas and the Mountain: Ontario rules, layoff and EI tips, and free City of Hamilton help. - [Payday Loans London](https://www.jessicashouse.ca/payday-loans-london/): Payday loans in London, Ontario: what they cost under Ontario rules, student and health-care pay tips, and free City of London and London Hydro help. - [Payday Loans Markham](https://www.jessicashouse.ca/payday-loans-markham/): Payday loans in Markham: Ontario cost and borrowing limits, tips for tech, contract and small-business income, and free York Region help to try first. - [Payday Loans Vaughan](https://www.jessicashouse.ca/payday-loans-vaughan/): Payday loans in Vaughan, including Woodbridge, Maple and Concord: Ontario rules, construction and seasonal income tips, and free York Region help. - [Payday Loans Kitchener](https://www.jessicashouse.ca/payday-loans-kitchener/): Payday loans in Kitchener: Ontario’s $14 per $100 cap and 50% limit, manufacturing and tech pay tips, Enova Power bill help and free Region of Waterloo services. - [Payday Loans Windsor](https://www.jessicashouse.ca/payday-loans-windsor/): Payday loans in Windsor: Ontario rules, auto-sector layoff tips, what US-dollar pay means for your limit, ENWIN bill help and free City of Windsor services. - [Payday Loans Richmond Hill](https://www.jessicashouse.ca/payday-loans-richmond-hill/): Payday loans in Richmond Hill, including Oak Ridges and Bayview Hill: Ontario rules, commuter and high-cost household tips, and free York Region help. - [Payday Loans Oakville](https://www.jessicashouse.ca/payday-loans-oakville/): Payday loans in Oakville: Ontario’s cost cap and limits, auto plant and service-sector pay tips, Oakville Hydro bill help and free Halton Region services. - [Payday Loans Burlington](https://www.jessicashouse.ca/payday-loans-burlington/): Payday loans in Burlington, Ontario: costs and limits under Ontario law, retiree and commuter tips, Burlington Hydro bill help and free Halton Region services. - [Payday Loans Oshawa](https://www.jessicashouse.ca/payday-loans-oshawa/): Payday loans in Oshawa: Ontario’s rules and limits, auto-sector and student pay tips, Oshawa Power bill help and free Durham Region services to try first. - [Payday Loans Greater Sudbury](https://www.jessicashouse.ca/payday-loans-sudbury/): Payday loans in Greater Sudbury: Ontario rules, mining rotation pay tips, winter heating bill help and free City of Greater Sudbury services before you borrow. - [Payday Loans Barrie](https://www.jessicashouse.ca/payday-loans-barrie/): Payday loans in Barrie: Ontario cost and borrowing limits, commuter and tourism-season pay tips, and free County of Simcoe and Alectra bill help. - [Payday Loans Guelph](https://www.jessicashouse.ca/payday-loans-guelph/): Payday loans in Guelph: Ontario’s cap and borrowing limits, manufacturing and university pay tips, and free County of Wellington and Alectra bill help. - [Payday Loans Cambridge](https://www.jessicashouse.ca/payday-loans-cambridge/): Payday loans in Cambridge, Ontario, from Galt to Hespeler: Ontario rules, auto plant shift tips, GrandBridge Energy bill help and free Region of Waterloo services. - [Payday Loans Whitby](https://www.jessicashouse.ca/payday-loans-whitby/): Payday loans in Whitby, including Brooklin: Ontario’s rules and limits, young-family budget tips, Elexicon Energy bill help and free Durham Region services. - [Payday Loans St. Catharines](https://www.jessicashouse.ca/payday-loans-st-catharines/): Payday loans in St. Catharines: Ontario’s rules and limits, tips for tourism, winery and student jobs, and free Niagara Region and Alectra bill help. - [Payday Loans Kingston](https://www.jessicashouse.ca/payday-loans-kingston/): Payday loans in Kingston, Ontario: Ontario’s cost cap and limits, military, student and public-sector pay tips, and free City of Kingston help. - [Payday Loans Milton](https://www.jessicashouse.ca/payday-loans-milton/): Payday loans in Milton, Ontario: Ontario’s rules and limits, warehouse and commuter pay tips, Milton Hydro bill help and free Halton Region services. - [Payday Loans Ajax](https://www.jessicashouse.ca/payday-loans-ajax/): Payday loans in Ajax, Ontario: Ontario’s rules and borrowing limits, commuter and shift-work tips, Elexicon Energy bill help and free Durham Region services. - [Payday Loans Waterloo](https://www.jessicashouse.ca/payday-loans-waterloo/): Payday loans in Waterloo, Ontario: Ontario’s rules, co-op and student budgeting tips, tech-sector pay, Enova Power bill help and free Region of Waterloo services. ## Company and education - [How It Works](https://www.jessicashouse.ca/how-it-works/): What happens after you apply with Jessica’s House: matching with a licensed lender, bank verification, signing, e-Transfer funding and repayment, step by step. - [Payday Loans by Province](https://www.jessicashouse.ca/provinces/): Compare payday loan rules across Canada: borrowing limits, cancellation periods, repeat-loan rules and where payday loans aren’t offered, province by province. - [Financial Education](https://www.jessicashouse.ca/financial-education/): Plain-language money guides for Canadians: how APR works, building a one-month buffer, reading your credit report and cheaper alternatives to payday loans. - [Responsible Lending](https://www.jessicashouse.ca/responsible-lending/): The standards every lender on Jessica’s House must meet, a five-question checklist before you borrow, and free non-profit help if debt is getting heavy. - [FAQs](https://www.jessicashouse.ca/faqs/): Answers to the questions Canadians ask most about payday loans: cost, approval, credit checks, e-Transfer timing, cancelling and what happens if you can’t repay. - [About Jessica’s House](https://www.jessicashouse.ca/about/): Who runs Jessica’s House, how we choose lending partners, how our guides are researched and reviewed, and exactly how we’re paid. Free for borrowers. - [Contact](https://www.jessicashouse.ca/contact/): Contact Jessica’s House about an application, a correction to one of our guides, a privacy request or a complaint about a lender. Hours and response times. ## Legal - [Privacy Policy](https://www.jessicashouse.ca/privacy-policy/): How Jessica’s House collects, uses, shares and protects your personal information under PIPEDA, and how to access, correct or delete it. - [Terms and Conditions](https://www.jessicashouse.ca/terms-and-conditions/): The terms for using JessicasHouse.ca: our role as a free matching service, not a lender, and your responsibilities when you apply. - [Sitemap](https://www.jessicashouse.ca/sitemap/): Every page on JessicasHouse.ca: loan guides, province and city pages, money guides and company information.