Terms of Service

1. About Loans Quebec

Loans Quebec is a referral and information service, not a direct lender. We provide educational content and connect borrowers with licensed payday lenders operating in Quebec. We do not originate, fund, or service loans ourselves. Our role is to match your financial situation with lenders who may be able to help.

By using this site, you acknowledge that you are seeking information and a potential referral connection only, and that any loan agreement will be directly between you and the lender you choose to work with.

2. Eligibility and Use

You must be at least 18 years old and a resident of Quebec to use Loans Quebec. You agree to provide accurate, complete, and truthful information in all forms and communications. Providing false information may result in your immediate removal from our service and referral denial.

You agree not to use this site for any unlawful purpose or in any way that violates these terms. Prohibited conduct includes, but is not limited to: fraud, harassment, interference with site operations, or violation of Quebec consumer protection laws.

3. Referral Process and Disclaimer

When you submit an application through Loans Quebec, we share your information with lenders in our network who may contact you directly. We do not guarantee that any lender will approve your application or offer you a loan. Approval depends entirely on the lender's underwriting criteria and your creditworthiness.

Loan terms, interest rates, fees, and repayment schedules are determined solely by the lender. Loans Quebec does not set rates or fees. We encourage you to review all loan documents carefully and understand the full cost of borrowing before accepting any offer.

All credit situations are welcome to apply, but approval is never guaranteed. Some lenders may decline applications based on their own lending policies.

4. Your Information and Privacy

We collect and use your personal information to match you with lenders and improve our service. Your data is treated in accordance with our Privacy Policy. By using Loans Quebec, you consent to the collection, use, and sharing of your information with lenders in our network as described in that policy.

You have the right to request access to, correction of, or deletion of your personal information, subject to legal and operational requirements. Contact us to exercise these rights.

5. Responsible Borrowing

Payday loans are short-term financial products designed for immediate cash needs. They typically carry higher interest rates than traditional loans. Before borrowing, carefully consider whether you can repay the full amount on the due date, including all fees and interest.

If you are struggling with debt, we encourage you to explore alternatives and seek financial counseling. For more information on responsible borrowing practices, see our Responsible Borrowing Guide.

6. Limitation of Liability

Loans Quebec provides information and referral services on an "as-is" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of our content or the lenders in our network. To the fullest extent permitted by Quebec law, we are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of this site or any referral.

This includes, but is not limited to, loss of income, loan denial, unfavorable loan terms, or disputes with lenders. You assume all risk associated with any loan you obtain through our referral.

7. Lender Responsibility

Loans Quebec is not responsible for the actions, policies, or conduct of any lender in our network. Each lender is independently licensed and regulated by Quebec authorities. If you have a complaint or dispute with a lender, contact them directly or file a complaint with the appropriate regulatory body.

We do not guarantee that lenders will comply with all applicable laws or treat you fairly. However, all lenders in our network must be licensed and authorized to operate in Quebec.

8. Intellectual Property

All content on Loans Quebec—including text, graphics, logos, images, and software—is the property of Loans Quebec or its content providers and is protected by copyright and other intellectual property laws. You may view and print content for personal, non-commercial use only. You may not reproduce, distribute, modify, or transmit any content without our prior written consent.

9. Third-Party Links

Loans Quebec may contain links to third-party websites, including lender websites, financial resources, and educational content. We do not endorse or control these sites and are not responsible for their content, accuracy, or practices. Your use of third-party sites is governed by their own terms and policies. We encourage you to review them before providing any information.

10. Modifications to Terms

Loans Quebec reserves the right to modify these terms at any time. Changes take effect immediately upon posting to this page. Your continued use of the site following any modification constitutes your acceptance of the updated terms. We recommend reviewing this page regularly to stay informed of any changes.

11. Governing Law and Dispute Resolution

These terms are governed by the laws of Quebec and the laws of Canada applicable therein, without regard to conflict of law principles. Any dispute arising from your use of Loans Quebec or these terms shall be subject to the exclusive jurisdiction of the courts of Quebec.

Before pursuing legal action, you agree to attempt to resolve any dispute informally by contacting us. If informal resolution fails, you may pursue your claim in the courts of Quebec.

12. Severability

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid, or if not possible, severed. The remaining provisions shall remain in full force and effect.

13. Contact Information

If you have questions about these terms, concerns about our service, or wish to exercise your privacy rights, please contact us. We are committed to addressing your concerns promptly and fairly.

For more information about how we operate and what we stand for, visit our How We Rate page or our Affiliate Disclosure.

Last updated and reviewed by Francois Benedict