What this site is and is not
Loans Saskatoon is a publisher. It explains how payday loans and installment loans work for people in Saskatoon under Saskatchewan and federal law and, through the apply link, connects you to a separate application platform used by licensed Canadian lenders. The site does not lend money, does not make credit decisions, holds no payday lender licence because it does not need one, and never receives your application details. Nothing on it is financial, legal or tax advice for your situation.
Accuracy and updates
We work from The Payday Loans Act of Saskatchewan, the federal Criminal Interest Rate Regulations, and the guidance the FCAA and the Financial Consumer Agency of Canada publish, and we check the figures when any of them change. The "last updated" date at the top of each page tells you when it was last reviewed.
Laws change and lenders change their products, so a page can lag. If a figure here and the figure on a lender's disclosure disagree, the disclosure is what you are signing, and if it shows more than $14 per $100 on a payday loan or more than 35% APR on an installment loan, do not sign it.
The referral relationship
When you click apply you leave this site. If a loan funds, the lender pays us a referral fee. That fee is between the lender and us; it does not change your fee, your rate or your repayment, and it is never charged to you. We do not receive your application, your banking details or your credit information. The about page describes the arrangement in plain words and the privacy page covers what the link carries.
Your loan agreement is with the lender
Any loan you take is a contract between you and the licensed lender named on the agreement, governed by that agreement and by Saskatchewan law. A payday loan runs under The Payday Loans Act: the next business day cancellation right, the rollover ban, the 50% of net pay limit and the $14 per $100 cap all come from that Act and from the lender's licence with the Financial and Consumer Affairs Authority of Saskatchewan, not from these terms.
An installment loan runs under its own agreement and the 35% ceiling in section 347 of the Criminal Code. Questions about a loan you hold go to the lender; complaints about a lender's conduct go to the FCAA.
Acceptable use
You may read, link to and quote short passages from this site with attribution. You may not copy pages wholesale, scrape the site, present its content as your own, or use it to send unsolicited messages to anyone. The site is written for adults in Canada; the age of majority in Saskatchewan is 18, and no lender on the platform will sign an agreement with anyone younger.
Limits on liability
The site is provided as it is. We do our best to keep it accurate and current, and we accept no liability for decisions you make on the basis of it, for the conduct of any lender or the platform, or for the site or the platform being unavailable when you need them. Where Saskatchewan or federal law does not allow a limit like this, the limit does not apply.
Changes to these terms
We may revise these terms when the site or the law changes, and the date at the top moves when we do. Using the site after a change means you accept the revised terms. Questions about them go to the address on the contact page.
Our loan options in Saskatoon
One page per product, each with its own cost table and who qualifies.
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