Affiliate Disclosure

How We Make Money

NB Payday Loans operates as an affiliate referral platform. When you click through one of our lender links and complete an application, the lender may pay us a referral commission if your application is approved and funded. This is how we sustain our service and keep our guides, tools, and information free for New Brunswick borrowers.

We do not charge you any fees for using our site, comparing lenders, or submitting an application. The lender may charge you fees and interest according to their terms—not us. Your cost is determined solely by the lender you choose and the loan agreement you sign.

Our Commitment to Transparency

We believe you deserve to know exactly how we're compensated. That transparency helps you understand that our recommendations are business relationships, not endorsements based purely on what's best for you alone. We're upfront about this because:

• You can evaluate our advice with full context
• You know our incentives and can weigh them fairly
• Trust is built on honesty, not hidden relationships

What We Are and Are Not

We are: An information service and referral platform that helps New Brunswick residents find payday lenders who welcome all credit situations and offer fast e-Transfer funding.

We are not: A lender, a credit advisor, a debt counselor, or a financial institution. We do not make lending decisions, set rates, approve loans, or hold your money. We do not guarantee approval or specific terms.

How Our Affiliate Relationships Work

Each lender we refer you to is a licensed financial partner operating in New Brunswick. When you apply:

1. You submit an application directly to the lender through our referral link.
2. The lender reviews your application and makes their own lending decision.
3. If approved and funded, the lender pays us a referral fee.
4. If declined, we receive no commission.

This structure means we only earn money when a lender funds a loan—so we're motivated to connect you with reputable lenders who actually approve applications. It also means our revenue does not depend on steering you toward higher fees or worse terms.

Our Selection and Rating Process

We partner with lenders who meet our standards for licensing, compliance, and customer service. For details on how we evaluate and rate lenders, see our How We Rate Lenders page.

The presence of a lender on our site does not mean they are the cheapest or best option for every borrower. Loan terms, fees, and approval odds vary. We encourage you to compare multiple offers before accepting any loan.

Editorial Independence

Our guides, articles, and educational content are written and reviewed by our editorial team, led by Chad Powers. These materials are created to help you understand payday loans, budgeting, and borrowing responsibly—not to push you toward any particular lender. Our editorial standards are separate from our affiliate relationships, and we do not allow commission structures to dictate the accuracy or tone of our educational content.

Your Privacy and Data

When you apply through our referral link, your information goes directly to the lender. We do not sell your personal data to third parties. For full details on how we collect, use, and protect your information, please review our Privacy Policy.

Responsible Borrowing

Payday loans carry fees and interest. Before you borrow, understand the full cost and make sure you can repay on time. If you're struggling with debt or unsure whether a payday loan is right for you, consider speaking with a non-profit credit counselor or reviewing our Responsible Borrowing guide.

Questions About This Disclosure

If you have questions about our affiliate relationships, how we earn money, or how we select lenders, please contact us. We're happy to explain our business model and answer any concerns about conflicts of interest.