Payday loans in Saint John
Saint John's working life revolves around the port, heavy industry and the regional hospital. Shift schedules and turnarounds can make cash flow lumpy.
Is there a limit on payday loans in Saint John? Yes, from lenders licensed by FCNB. You can borrow up to 30% of your net pay, to a maximum of $1,500, at no more than $14 per $100. You have 48 hours, excluding Sundays and holidays, to cancel.
Shift and turnaround work
Refinery turnarounds, port shifts and construction contracts can bring big cheques for a while and then very little. If you're borrowing during a slow spell, size the loan to the cheque you'll actually get next, not the one you got last month.
Older homes, bigger bills
Saint John has a lot of older housing stock, and older homes often mean higher heating costs and surprise repairs. Saint John Energy and NB Power both offer payment arrangements. New Brunswick also has energy efficiency programs that can lower bills over time.
Help in the Port City
211 New Brunswick can connect you to local food, housing and utility support. Free credit counselling is available across the province, and it's worth a call if you've borrowed more than once in the last few months.
Bay of Fundy weather
Saint John's coastal weather brings fog, freeze-thaw cycles and storms that are hard on older roofs and windows. If a storm has damaged your home, check your insurance before borrowing for repairs, and get at least two quotes. Some local contractors offer payment plans for emergency work, which can spread the cost without a loan fee.
- Maximum cost
- $14 per $100
- Loan size limit
- 30% of net pay, up to $1,500
- Cancel within
- 48 hours (excl. Sundays, holidays)
- Licensing
- FCNB
- Main electric utility
- Saint John Energy
- Community help line
- 211 New Brunswick
- Reviewed
- October 2026
Asked in Saint John
What's the maximum fee on a $300 loan in Saint John?
$42, for a total of $342.
Is there a cooling-off period for Saint John borrowers?
Yes, within 48 hours of receiving the money, not counting Sundays and holidays.
Do Saint John lenders need a licence?
Yes, from New Brunswick's Financial and Consumer Services Commission.
$350 for an oil delivery top-up during a cold March
- You borrow
- $350.00
- Maximum fee
- $49.00
- You repay at most
- $399.00
With the 30% limit, your net pay for the period would need to be about $1,170 or more to borrow this much.