Step 1 – Complete The Online Submissions Form

Fill in our online application form which takes less than 5 minutes to complete. Enter key details such as your name, contact information, how much you wish to borrow and how long for.

Read more: British Columbia and Vancouver

Step 2 – Receive An Instant Loan Offer

We will then search through our panel of over 50 reputable lenders to find the loan most suited to your borrowing requirements and an instant loan offer will appear on screen.

Read more: British Columbia and Vancouver

Step 3 – Get Your Funds Within 1 Business Day

If your loan application is approved, the money will be transferred to your bank account within minutes, hours or by the next working day. Better yet, the total amount is sent to you in one lump sum.

Read more: British Columbia and Vancouver

British Columbia payday loans offer a short term influx of money to help you pay for an unexpected bill. Whether you need to pay for an emergency dentist appointment, for a broken boiler or urgent car repair, payday loans offer a quick and easy way to borrow cash quickly.

At Pheabs, we work with over 50 reputable lending partners to help match you with the loan most suited to your financial needs. So if you need payday loans Vancouver or anywhere else across the province, Pheabs can help you secure loans amounting to half of your monthly paycheck or up to $1500 loans. Better yet, there are no credit check options and bad credit loans too.

The British Columbia payday loan laws are summarized in the table below:

Are Payday Loans Legal In British Columbia?Yes
Maximum APR782%
Maximum Loan Amount50% of your paycheck or $1,500 maximum
Maximum Loan Term62 days
Minimum Loan Term7 days
Number Of Rollovers Allowed0
What Is The Cooling Off Period To Cancel A British Columbia Payday Loan?2 business days
What Is The Maximum Cost Of Borrowing In British Columbia For A $100 Payday Loan?$15
Can You Repay Back British Columbia Payday Loans Early?Yes with no fee

To help you decide whether a payday loan is the right option for you, it is worth considering an an example cost for payday loans in British Columbia or Vancouver:

If you borrow $500 for 2 weeks in British Columbia, the total loan repayment would be $575 based on an APR of 391%.

At Pheabs, we endeavour to help our customers find the best payday loans that are quick and easy to secure. We understand how stressful it can be when an unexpected financial cost arises and you need a few extra dollars to see you through until your next payday.

We are proud to offer a streamlined online platform, with a straightforward application form that can be completed in less than 5 minutes. We instantly match our customers with the lender most likely to approve their loan request, with no upfront fees too. Better yet, our soft searches leave no visible footprint on applicants credit record.

Before applying for payday loans Vancouver or in the rest of British Columbia, check you meet the eligibility requirements to avoid the disappointment of being rejected. Make sure that you only borrow a sensible amount that you will be able to repay back comfortably. Otherwise, failure to pay back your payday loan on time could damage your credit score and lead to late fees.

Yes, Pheabs offer payday loans in Vancouver, Kelowna, Abbotsford and all across the rest of British Columbia. Complete our online application from anywhere in Canada whether you are out and about or in the comfort of your home. Applying for a quick payday loan has never been more convenient!

It is possible to get a same day payday loan Vancouver or anywhere else in British Columbia or Canada. At Pheabs, we pride ourselves in offering a streamlined process that 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 the borrower decides to go ahead and their loan application is approved, they could get a same day loan within minutes or a few hours, or sometimes by the next working day.

To help increase your chances of instant approval, we recommend applying during typical working hours of 8am to 5pm on Monday to Friday. Being readily contactable via phone or email incase the lender wants to get in touch with any follow up questions should also help to speed up the process.


Am I Eligible? What is the Borrowing Criteria?

If you are looking to apply for payday loans in British Columbia and Vancouver, you must meet specific borrowing requirements which includes:

  • Being a Canadian resident
  • Being over 18 years old
  • Having a valid ID
  • Having a Canadian phone number
  • Earning a stable income
  • Having a live Canadian bank account
  • Being able to afford the loan repayments

Are There British Columbia Payday Loans Near Me?

Pheabs is here to help you find the best British Columbia Payday Loans in Canada. Since our loan platform is 100% online, you can borrow money today from anywhere in the province. Apply for a payday loan from your phone whilst you are out and about or via your desktop, laptop or tablet from the comfort of your home. Areas you can get payday loans in British Columbia include but are not limited to:

  • Abbortsford
  • Armstrong
  • Burnaby
  • Campbell River
  • Castlegar
  • Chilliwack
  • Colwood
  • Courtenay
  • Cranbook
  • Dawson Creek
  • Delta
  • Duncan
  • Enderby
  • Fernie
  • Fort St. John
  • Grand Forks
  • Kamloops
  • Kelowna
  • Kimberely
  • Langford
  • Langley
  • Maple Ridge
  • Merritt
  • Mission
  • Nanaimo
  • Nelson
  • New Westminster
  • North Vancouver
  • Parksville
  • Pitt Meadows
  • Port Alberni
  • Port Coquitlan
  • Prince George
  • Prince Rupert
  • Quesnel
  • Revelstoke
  • Richmond
  • Rossland
  • Salmon Arm
  • Surrey
  • Terrace
  • Trail
  • Vancouver
  • Vernon
  • Victoria
  • West Kelowna
  • White Rock
  • Williams Lake

Pheabs can consider those looking for Vancouver no credit check payday loans but it is likely that a credit check will be carried out. When applying for a payday loan with Pheabs, we 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.

We work with a number of reputable lenders across British Columbia who can offer a payday loan to suit your financial needs. So even if you have no credit at all, as long as you meet other key eligibility requirements including having a stable income, then you should be able to borrow money today. You may be offered a title loan whereby you use collateral, your car, to secure the loan.


Yes, you can get a bad credit payday loan in British Columbia. At Pheabs, we do not let our customers financial past get in the way of their borrowing future.

We work with lenders who are willing to consider applicants with a variety of credit histories, including those with poor credit as long as they earn a stable income and are able to repay back their loan on time. Alternatively, we may suggest title loans which do not require a high credit rating as it uses collateral to secure the loan.

Requesting a payday loan with Pheabs will not harm your credit rating. This is because we undertake soft searches that do not leave any visible footprint on your credit record.

So you can be rest assured that enquiring through Pheabs will not hinder your financial records or affect your chances of being approved for loans in the future. It is however important to note that failing to repay back your loan on time could damage your credit score.

Is Pheabs A Direct Lender Of Payday Loans?

No, Pheabs is a broker which means that we connect you to the direct lender most suited to your borrowing needs. You can be rest assured that we do not charge any fees for our service and that your information is completely secure as it will not be shared with any third parties.

What Is The Repayment Period?

Borrowers can repay their British Columbia payday loans over 7 to 62 days in the province. Repayments are typically withdrawn automatically from the borrower’s bank account on a date agreed upon in the loan contract. It is possible to repay back a payday loan early in British Columbia with no additional costs.

How Much Money Can I Borrow?

With Pheabs, you can borrow 50% of your paycheck or up to $1500 maximum in British Columbia. This is because governmental regulations exist in British Columbia that limit the maximum loan amount.

How Quickly Can I Get Funds In British Columbia and Vancouver?

At Pheabs, we can offer a payday loan on the same day of applying, with the total amount in one lump sum. So if you need urgent funds due to unexpected bills, we can help you today.

Our easy and quick 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 British Columbia and Vancouver will be sent to your bank account within a couple of minutes, hours or by the next business day latest.