Terms of Service

1. Service Overview

NB Payday Loans is a referral and information service, not a direct lender. We connect residents of New Brunswick with licensed payday lenders who offer fast funding, often by e-Transfer within one business day. We do not make lending decisions, set interest rates, or issue loans ourselves. All credit situations are welcome to apply through our referral partners.

By using this website, you agree to these terms and acknowledge that you understand the nature of our service.

2. Eligibility and Accuracy of Information

You represent that you are at least 18 years old, a resident of New Brunswick, and legally able to enter into contracts. You agree to provide accurate, complete, and truthful information when submitting an application through our referral partners. Any false or misleading information may result in application denial or cancellation of any subsequent loan agreement.

You are responsible for maintaining the confidentiality of any login credentials or personal information you provide.

3. No Guarantee of Approval

While we work with lenders who welcome all credit situations, approval is never guaranteed. Each lender makes independent lending decisions based on their own underwriting criteria. Submission of an application does not constitute approval or an offer of credit. Loan terms, interest rates, and fees are determined solely by the lender you are matched with and are subject to their policies and applicable New Brunswick lending regulations.

4. Referral Fees and Compensation

NB Payday Loans may receive a referral fee from lenders when you are successfully matched and complete an application. This compensation does not affect the cost of your loan or the terms offered by the lender. We disclose our referral relationship to ensure transparency. For more details, please see our Affiliate Disclosure.

5. Lender Terms and Loan Agreements

Once you are referred to a lender, you enter into a separate agreement directly with that lender. NB Payday Loans is not a party to your loan agreement. You are responsible for reviewing and understanding all loan terms, including the interest rate (APR), repayment schedule, fees, and any other conditions before accepting credit. Disputes regarding loan terms, fees, or repayment must be directed to the lender, not to NB Payday Loans.

For guidance on responsible borrowing, visit our Responsible Borrowing page.

6. Use of Website and Prohibited Conduct

You agree not to use this website for any unlawful purpose or in any way that could damage, disable, or impair our service. Prohibited conduct includes:

• Submitting false, fraudulent, or misleading information.
• Attempting to gain unauthorized access to our systems or lender systems.
• Harassing, threatening, or abusing our staff or partner lenders.
• Reverse-engineering, scraping, or copying our website content without permission.
• Submitting multiple applications with different identities or information.

We reserve the right to terminate your access and report suspected fraud to law enforcement and lenders.

7. Limitation of Liability

To the maximum extent permitted by New Brunswick law, NB Payday Loans is provided on an "as-is" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or completeness of information on this website. We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our service, including loan decisions made by lenders, loan terms, or any financial outcomes resulting from borrowing.

We are not responsible for the actions, policies, or practices of any lender you are referred to.

8. Privacy and Data Protection

Your personal and financial information is handled in accordance with our Privacy Policy. By using our service, you consent to the collection, use, and sharing of your information with partner lenders for the purpose of processing your application. We take reasonable steps to protect your data, but no online transmission is completely secure.

9. Third-Party Links and Content

This website may contain links to third-party websites, including lender sites and financial resources. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party site. Your use of third-party sites is governed by their own terms of service and privacy policies.

10. Intellectual Property

All content on this website, including text, graphics, logos, and design, is the property of NB Payday Loans or our licensors and is protected by copyright law. You may not reproduce, distribute, or transmit any content without our prior written permission. Personal, non-commercial use of the website is permitted.

11. Indemnification

You agree to indemnify and hold harmless NB Payday Loans, our officers, employees, and partners from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these terms, your use of our service, or any dispute with a lender.

12. Dispute Resolution and Governing Law

These terms are governed by the laws of New Brunswick and the applicable laws of Canada. Any dispute arising from your use of this website or our service shall be resolved through binding arbitration or in the courts of New Brunswick, as permitted by law. You waive any right to a jury trial.

13. Changes to These Terms

NB Payday Loans reserves the right to modify these terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of our service following any changes constitutes your acceptance of the updated terms. We encourage you to review these terms periodically.

14. Severability

If any provision of these terms is found to be invalid or unenforceable under New Brunswick law, that provision shall be modified to the minimum extent necessary to make it enforceable, or if not possible, severed. All other provisions shall remain in full force and effect.

15. Contact Us

If you have questions about these terms or our service, please contact us through the information provided on our website. For concerns about lending practices or lender conduct, you may also contact the Financial and Consumer Services Commission (FCNB) in New Brunswick.

Last reviewed by Chad Powers