Apply Now
Regina and the towns within thirty miles

Loans in Regina, Saskatchewan

A furnace that quits at minus thirty or a harvest cheque that lands a month after the bill does not wait for payday. The loans Regina lenders fund by Interac e-transfer come in two kinds, payday and installment, and this site sets them out side by side under Saskatchewan rules: the $14 per $100 cap, the next business day cancellation right and the one loan at a time rule.

  • Payday and installment compared on one page
  • Lenders licensed in Saskatchewan only
  • Apply from a bus on Albert Street, funded by e-transfer
Start your applicationLearn more →
The Saskatchewan Legislative Building across frozen Wascana Lake in Regina, the city where loans Regina borrowers weigh a payday loan against an installment loan under Saskatchewan rules
Around Regina

Regina, the new suburbs and the towns beyond the bypass

Pages for neighbourhoods inside the Ring Road, the suburbs outside it and the towns people commute in from, each with notes on roads, employers and pay.

All service areas →

Match the loan to the bill

Five loan pages for Regina, from Cathedral to Harbour Landing

A light cheque before the next provincial deposit needs one kind of loan. A furnace in a Hillsdale bungalow or a truck that dies on the Ring Road in January needs another. Each page explains which, and what it costs.

Payday Loans Regina
01

Payday Loans Regina

Cover a short gap under Saskatchewan rules: $14 per $100 at most, repaid on your next pay date, cancel by the end of the next business day.

Learn more →
Installment Loans Regina
02

Installment Loans Regina

Spread a furnace, a block heater and battery, or a basement after spring runoff over fixed monthly payments of 3 to 60 months.

Learn more →
Bad Credit Loans Regina
03

Bad Credit Loans Regina

Lenders read deposits from a provincial pay run, a hospital rotation, a refinery shift or a harvest paycheque before an old score.

Learn more →
E-Transfer Loans Regina
04

E-Transfer Loans Regina

Send the form from a bus on Albert Street or the kitchen table and the money arrives by Interac, no drive on an icy Ring Road.

Learn more →
Personal Loans Regina
05

Personal Loans Regina

Unsecured money for a windshield cracked on Highway 1, a dental bill or the quiet months between harvest and seeding.

Learn more →
How it runs

Three steps from a phone, on the bus or at the kitchen table

No drive across the city in blowing snow, no time off a shift.

01

Fill in the short form

Give your name, address, employer, pay schedule and the amount you need. It works as well after a night shift at the refinery as it does on a Monday morning.

02

Show your pay deposits

A read only link lets the lender see your employment deposits in about a minute. Recent pay stubs and a bank statement can be sent instead.

03

Sign, then watch your inbox

The agreement sets out the cost, the total and the repayment date. Sign on your phone and the lender sends an Interac e-transfer to your chequing account, usually the same business day.

Start your application Learn more →

Applying for a loan in Regina
A man in a winter jacket reading a loan offer on his phone outside on a cold Regina day before deciding whether to sign
Why this site exists

Made for a city that gets paid every second week and farms the rest

Loans Regina is a free loan connection service and never lends money. Much of this city is paid every second week by the province, a Crown corporation, a hospital or the university, the north side runs on refinery and mill rotations, and the towns around it live by seeding and harvest. Winters here mean minus thirty, blowing snow on Highway 1 and power bills that peak in January. We explain the Saskatchewan payday rules, set a payday loan beside an installment loan in plain numbers, and pass your application to licensed lenders who fund by e-transfer, from North Central to Regina Beach.

  • Two loan types, one comparison A short week at a Scarth Street restaurant and a furnace replacement are different problems. The payday and installment options sit next to each other so the right one is easy to spot.
  • Written around how Regina gets paid Government and Crown staff wait on a deposit every second week, nurses work rotations at the General and the Pasqua, students juggle term dates, refinery crews follow a shift calendar and farm families wait for the grain cheque. The pages follow those rhythms.
  • The city and the towns around it Neighbourhoods inside the Ring Road, the new suburbs beyond it and the towns people drive in from on Highway 1, Highway 11 and Highway 33 all fall under the same Saskatchewan rules, and each gets its own note on roads, employers and pay.

About this site →

What people want to know

Loans Regina questions, payday and installment

The rules behind these answers come from the Financial and Consumer Affairs Authority of Saskatchewan and the Financial Consumer Agency of Canada.

How much can I borrow on a first loan in Regina?

Usually $100 to $500 for a first payday loan. Saskatchewan caps a payday loan at 50% of your net pay for the period, so a $1600 deposit allows up to $800. An installment loan runs $500 to $10000.

When is a Regina payday loan due?

On your next pay date, in one debit, never more than 62 days out. For most of Regina that is the provincial or Crown deposit every second week, so a loan taken the day after a deposit runs about 13 days.

How long do I have to cancel a payday loan in Saskatchewan?

Until the end of the next business day after you sign. Give the lender written notice and return the money, and you owe nothing. A Friday signature gives you until the close of Monday.

Does Saskatchewan have an extended payment plan?

No. The Payday Loans Act has no rule that spreads repayment after a third loan. If a cheque will be short, call the lender before the due date and ask for a new date or a split.

I live in Lumsden, Pense or Rouleau. Can I apply here?

Yes. A lender licensed by the FCAA serves any Saskatchewan address, and the form does not care whether Highway 11 is open. The address on your ID needs to match your bank statement.

Can a University of Regina or Polytechnic student get a loan?

Yes, at 18 or older with a part time job paid by direct deposit and a chequing account in their own name. The loan will be small because the deposits are small, and student funding does not count as pay.

Will a harvest season paycheque count as income?

Yes, when it comes from an employer such as a farm equipment dealer or grain company paying by direct deposit through August to October. The lender sizes the loan to those deposits and wants the due date inside the season.

Does applying hurt my credit score?

Applying through Loans Regina does not, because the match uses the details you type in. Payday lenders mostly read deposits. An installment lender may record one inquiry once you accept its offer.

Before the next bill lands

Choose your loan type and read the offer

Pick payday or installment and apply once for free. A lender licensed in Saskatchewan checks your deposits, puts the terms and the repayment date in writing and sends an e-transfer if you say yes.

Start your application