Step One – Complete Our Online Application Form

Fill in our online submissions form in less than 5 minutes. Let us know how much you wish to borrow and how long for and we will search our database of lenders to find the most affordable loan for you.

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Step Two – Receive An Immediate Response

Wherever you are based in Nova Scotia, an instant loan offer will appear on screen from the lender best suited to your borrowing needs. Bad credit applicants are considered too.

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Step Three – Get Nova Scotia Payday Loans

If your loan application is successful, money could be in your live checking account within minutes, hours or by the next business day. So what are you waiting for? Get started with your application now!

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At Pheabs, we understand how stressful it can be when an unexpected financial bill arises and you cannot wait until your next payday to deal with it. We offer quick and easy payday loans, with no credit check and bad credit options too.

We work with over 50 reputable lending partners to help you find a loan best suited to your borrowing requirements. All you have to do is fill in our online application form and you can borrow up to $1500 today. Better yet, we have access to a variety of financial products including same day loans and installment loans too.

Whilst we cannot 100% guarantee that your application will be approved and go through on the same day, we will work our hardest to match you to the lender who is most likely to accept your loan request and lend you money today. We work with a network of over 50 reputable lenders so whether you are based in Halifax, Truro, Wolfville or anywhere else in the province, we can source a loan to meet your borrowing requirements. Typically loans are transferred to customers checking accounts within minutes or hours of approval, or sometimes on the next business day.

Yes, it is possible to get a payday loan with bad credit in Nova Scotia. At Pheabs, we do not let customer’s financial past get in the way of their borrowing future.

Our lenders are willing to accommodate applicants with a variety of financial histories. So even if you have been rejected from a bank due to a low credit score, you can still apply for a payday loan with Pheabs today.

Yes, you can get a no credit check loan in Nova Scotia with Pheabs. Whilst we offer soft search loans which review your credit history, they do not leave any visible footprint on your credit report or affect your credit score.

We work with lenders who can focus on other key eligibility criteria such as whether you have a stable income. There are also other financial products available, including using a form of collateral such as your property or vehicle as leverage for your borrowed money.


To be eligible for Nova Scotia payday loans, you must:

  • Be a Canadian citizen
  • Be at least 18 years old
  • Have a valid ID
  • Have a Canadian contact number
  • Earn a regular monthly income
  • Have a live Canadian bank account

If you apply for a payday loan with Pheabs, you can get a loan anywhere in Nova Scotia and Halifax. Whether you are out and about on your phone or on your tablet, desktop or laptop in the comfort of your home, you can borrow money today through our online platform. Locations include:  

  • Amherst
  • Antigonish
  • Berwick
  • Bridgewater
  • Chester
  • Cole Harbour
  • Dartmouth
  • Digby
  • Glace Bay
  • Greenwood
  • Hantsport
  • Kentville
  • Lunenburg
  • Shelburne
  • Springhill
  • Sydney
  • Sydney Mines
  • Truro
  • Middleton
  • New Glasgow
  • Parrsboro
  • Pictou
  • Port Hawkesbury
  • Princeville
  • Oxford
  • Windsor
  • Wolfville
  • Yarmouth

The Nova Scotia payday lending laws and regulations are summarized in the table below:

Are Payday Loans Legal In Nova Scotia?Yes
Maximum Loan Amount$1,500
Maximum Loan Term62 days
Minimum Loan TermNot specified
Number of Rollovers Allowed0
Maximum Cost Of Borrowing In Nova Scotia For A $100 Payday Loan$17
Cooling Off Period To Cancel A Nova Scotia Payday LoanNext business day or 2 days for online payday loans

Before borrowing a payday loan, make sure you will be be able to repay it back. See below for an example cost of payday loans in Nova Scotia:

If you borrow $500 for 2 weeks in Nova Scotia, the total loan repayment would be $585 based on an APR of 443%.

Yes, you can repay payday loans in Nova Scotia early. There are no additional fees for doing so.

How Do I Repay My Payday Loan?

Repayment terms will be agreed upon with your lender in your payday loan contract. Automatic payments will be withdrawn from your bank account on dates agreed upon in the loan documents, and you will have up to 62 days maximum in Nova Scotia to repay back your loan.

It is very important to repay back your loan on time as otherwise you could face late fees and a negative impact to your credit score. If you are worried that you might not be able to pay back your loan on the agreed date, get in touch with your lender immediately as they may be able to offer you an alternative more flexible repayment plan or freeze the interest on your loan.

Is Pheabs A Direct Lender?

No, Pheabs is a broker who connects customers to the lender who can offer them the most affordable loan at the most competitive rate. Applicants information is kept completely secure during this process and is not shared with any other third parties.

How Much Money Can I Borrow In Nova Scotia?

You can borrow up to $1500 in Nova Scotia and Halifax. So if you want to borrow $300, $500 or more, then here at Pheabs we can help secure your payday loan at the most affordable rate.

Does Pheabs Charge A Fee?

No, Pheabs does not charge a fee for using our brokerage service. The only costs you will incur will be from the lender, as stated in your contractual loan agreement.

Can I Get A Payday Loan ASAP?

Yes, Pheabs offers quick and speedy payday loans in Nova Scotia. Complete our online application form in less than 5 minutes to receive an instant loan offer. If your application is approved, then you could receive funds within minutes, hours or by the next business day latest.

To help boost your chances of getting money today, we recommend applying during typical working hours of 9am to 5pm. You should also keep your phone on at all times incase the lender wants to get in touch with any follow up questions.