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Payday loans (online and traditional) in Canada are permitted under section 347.1 of the Criminal Code of Canada, so long as the province of the borrower has enacted provincial legislation concerning the provisioning of payday loans. Quebec and Newfoundland have not developed any laws so payday loans in these provinces are limited by usury laws, with any rate of interest charged above 60% per annum considered criminal. [link widoczny dla zalogowanych] We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy. Low bank balance towards the end of the month is not a familial complaint, but one that haunts every second person in every household. Working the entire month and looking forward to a paycheque is a regular feature.