Rates (or the lack thereof)
In Quebec there are no payday loans. In fact, the province has capped interest across the board at 30%. While there are no legally operating payday loan vendors in this province, there is also no availability of short-term capital for people in need — whether this is a societal good or not is as yet undetermined.
Even if in Quebec are no payday loans, you can apply for loan via online apps.
That’s true, but you should know that if you get a payday loan in Quebec, you are under no obligation to pay it back (at least the interest).