Payday loans in Regina
Regina is a government town with a long winter. Steady paycheques help, but cold-weather bills and car trouble don't always wait for payday.
$300 for a new car battery and a boost after a cold morning
- You borrow
- $300.00
- Maximum fee
- $42.00
- You repay at most
- $342.00
Expect one lump-sum repayment on your next Regina payday unless the lender offers to split it.
How quickly do I need to cancel a payday loan in Regina? Regina residents can borrow from lenders licensed by the FCAA at a maximum of $14 per $100. Loans are capped at $1,500 and a share of net pay, and you can usually cancel by the end of the next business day.
Winter and the budget
Regina winters are hard on vehicles and heating bills. A dead battery at -30 or a furnace repair can't wait. SaskPower and SaskEnergy both offer payment arrangements, and calling before a bill is overdue makes a big difference. A payday loan makes sense only after those options are off the table.
Steady pay, short gaps
Many Regina households are paid by the province, the city or a Crown corporation. That steady pay makes it easier to plan repayment. The risk is the habit: a small loan every few pay periods to cover the same recurring shortfall. If that starts to happen, a free session with a credit counsellor is the better next step.
Help in the Queen City
211 Saskatchewan can connect you to local food, rent and utility programs. Saskatchewan's credit unions also offer small personal loans that cost far less than a payday loan.
Game days and side income
Many Regina residents pick up extra shifts around big events at Mosaic Stadium or the exhibition grounds. That side income is useful, but lenders usually look at regular deposits, so occasional event pay may not count toward what you can borrow. Base your loan on your regular paycheque, and treat any extra shifts as a way to pay the loan off early rather than a reason to borrow more.
Asked in Regina
What's the maximum fee for a $400 loan in Regina?
$56, for a total of $456.
What's the cancellation deadline in Regina?
Yes, generally by the end of the next business day, by returning the money.
Are online payday lenders licensed in Regina?
They must be licensed by the FCAA to lend to Saskatchewan residents.
- Maximum cost
- $14 per $100
- Largest loan
- $1,500, subject to net pay limits
- Cancel within
- As short as the next business day
- Licensing
- FCAA
- Electric utility
- SaskPower
- Community help line
- 211 Saskatchewan
- Reviewed
- October 2026