Pheabs offers a speedy and convenient way to get payday loans in Alberta and Calgary. Complete our online application form in less than 5 minutes and receive an instant loan offer on screen at the most competitive rate in Alberta. Once approved, money could be in your bank account within the same day or by the next working day latest with 24/7 payday loans in Alberta.


Pheabs has a network of over 50 reputable lending partners so that we can source the most affordable loan for you. We only work with vetted lenders who all comply to the OLA standards so you can be rest assured that they are trustworthy.

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The Right Loan For You

As a broker, we search through our panel of lenders to find the best loan to suit your borrowing requirements. After completing your online application, an instant payday loan offer will appear on screen, which you can choose whether or not you would like to proceed with.

Read more: Alberta and Calgary

Protect Your Credit Score

Whilst applying for a loan with Pheabs, we only do soft searches that will check the basis of your credit record but not leave any visible footprint. Better yet, we do not charge our customers any fees for using our online platform. What’s not to love!

Read more: Alberta and Calgary

Payday loans offer a short term influx of cash to help those in need of quick money to pay for urgent expenses such as a medical bill or to fix a broken car. Payday loans offer financial relief during emergency situations when you cannot wait until your next paycheck to pay for an important bill.

The Canadian Federal Government have set a maximum loan amount which means that you can borrow up to a $1500 payday loan with Pheabs which has to be repaid back within 42 to 62 days. We offer many products such as same day loans, bad credit loans and cash advances to name a few.

Are Payday Loans Legal In Alberta?Yes
Average APR130%
Maximum Loan Amount$1,500
Maximum Loan Term62 days
Minimum Loan Term42 days
Number Of Rollovers Allowed0
What Is The Cooling Off Period To Cancel An Alberta Payday Loan?2 business days
What Is The Maximum Cost Of Borrowing For A $100 Payday Loan?$15
Can You Repay Back Alberta Payday Loans Early?Yes with no fee

To help you decide whether a payday loan is the right option for your financial situation, it is worth considering an an example cost for payday loans in Alberta:

If you borrow $300 over a 42-day term, it will cost $345 (fees are $45) based on a APR of 130%.

If you are looking for no refusal payday loans in Alberta, then we can certainly try to help you today. Our streamlined process means that applicants simply need to fill in an online submissions form which only takes a couple of minutes to complete. An instant loan offer will then appear on screen and if you decide to go ahead and your loan application is approved, you could get your money instantly, within a few hours or by the next business day.

To help maximise the chances of instant approval, try applying during typical working hours of 8am to 5pm on Monday to Friday. We also recommend being readily contactable via phone or email incase the lender wants to get in touch with any follow up questions.

Yes, Pheabs offer payday loans all across the Alberta and Canada. Simply complete our online application form from wherever you are based, whether you are in Brooks, Calgary, Camrose, Leduc or anywhere else in the province. Applying for a payday loan in Alberta has never been easier!

Before requesting payday loans in Alberta, make sure you will be able to comfortably afford the repayments. Failure to pay back your payday loan on time could damage your credit score and lead to late fees and increased interest charges as well.

We recommend working out exactly how much you need to borrow so that you do not overstretch yourself. You should not borrow money for any frivolous spending such as partying, gambling or drinking, or to pay off another loan you might have as this could lead to debt issues. It is also worth ensuring that you meet the eligibility requirements to avoid any disappointment.


What Is The Eligibility Criteria?

If you want to apply for payday loans in Alberta, you need to meet specific borrowing requirements. You must:

  • Be a Canadian resident
  • Be over 18 years of age
  • Have a valid ID
  • Have a Canadian phone number
  • Earn a regular source of income from a stable job
  • Have a live Canadian bank account
  • Be able to afford to meet repayments

Where Can I Get A Payday Loan In Alberta?

Pheabs is here to help you find the best payday loans in Alberta, covering every place in the province. Our loan process is fully online so if for instance you need payday loans Calgary or payday loans Edmonton, then we can certainly help. You can apply for a payday loan from wherever you are located in Alberta via your phone, tablet, laptop or computer. 

We search through our database of multiple providers across Alberta and give you an instant decision on your loan application. This makes it super convenient for when you need to borrow money now.

  • Airdrie
  • Banff
  • Beaumont
  • Brooks
  • Calgary
  • Canmore
  • Chestermere
  • Cold Lake
  • Columbia Icefield
  • Drumheller
  • Edmonton
  • Fort Saskatchewan
  • Grande Prairie
  • Lacombe
  • Lake Louise
  • Leduc
  • Lethbridge
  • Lloydminster
  • Medicine Hat
  • Medicine Lake
  • Moraine Lake
  • Peyto Lake
  • Red Deer
  • Spruce Grove
  • St. Albert
  • Sunshine Village
  • Wetaskiwin

Pheabs can consider those looking for Alberta payday loans with no credit check, but note that a credit check is usually carried out for all customers. Do not worry though as applying for a payday loan with Pheabs will not leave a visible footprint on your credit report as we use a soft search approach that means filling out the online application form will not impact your credit rating in any way.

We work with a number of reputable lenders across Alberta so even if you have no credit at all, applying for a payday loan today is still an option to get the money that you need. As long as you meet other key eligibility requirements including having a regular income, then you could get an instant offer on your screen. You may even be offered a title loan which ties a collateral such as your car to the loan.


At Pheabs, we understand the urgency involved in needing to borrow money quickly for emergency expenses and so we endeavour to get you your Alberta payday loan as quickly as possible. Our online platform takes away the need to search all across Alberta for a lender and the time consuming process of applying to a bank.

Our easy and quick to complete online application form can be completed in less than 5 minutes, after which you will receive an instant loan offer. Once approved, your payday loan in Alberta will be sent to your bank account within a couple of minutes, hours or by the next business day.

There are also a few simple steps you can follow to try speed up the process:

  1. Have your personal details ready to go when filling in the online application form as this will enable you to submit the loan request form quickly. Examples include your state ID or driver’s license and bank account information.
  2. Submitting your form during typical working hours of 9am to 5pm should also lead to a quicker response time.
  3. After you have submitted your form, you should still remain available in case the lender gets in touch with follow-up questions. Do not head out without your phone or turn it off during this period as this could delay the process.
Is Pheabs A Direct Lender?

No, Pheabs is a broker which means that we connect you to the lender most suited to your situation from our trusted panel. We do not charge any fees for our service and you can be rest assured that your information is completely secure and will not be shared with any other companies or third parties.

How Much Money Can I Borrow In Alberta?

With Pheabs, you can borrow $100 to $1500 payday loans in Alberta. This is because regulations exist in Alberta that limit the maximum loan amount to $1500. This also applies to the loan term, which can be a maximum of 62 days.

Can I Get Bad Credit Payday Loans In Alberta?

Yes, it is possible to get bad credit payday loans in Alberta. At Pheabs, we pride ourselves in working with lenders who consider applicants with all different types of credit histories, including those with poor credit. Provided that you earn a regular income and are able to repay back your loan on time, then applying for a payday loan today is still an option to get the funds that you need.

What Is The Repayment Period?

Borrowers can repay their Alberta payday loans over 42 to 62 days in the province. Repayments are usually withdrawn automatically from the bank account you choose to proceed with. It is also possible to repay back your loan early in Alberta with no extra fees.