As of May 1, 2012, internet payday lenders must have a license to give online payday loans in Nova Scotia, and must follow Nova Scotia’s Consumer Protection Act rules for payday loans. Online payday lenders must also have a storefront location in Nova Scotia.

Payday loans are short-term, high risk and high interest loans. There are other, far less expensive ways to borrow money, so consider your options carefully before borrowing from a payday lender. The Financial Consumer Agency of Canada has money management tips and information, including 10 questions to ask yourself if you’re thinking about getting a payday loan.

To find out more about payday lender rules in Nova Scotia, go to LISNS page on payday loans. If you have questions or a complaint about a payday lender, contact Service Nova Scotia at 1 800 670-4357 or 424-5200, or online at