Keep on the company of a dealer that is second-hand equivalent premises.

Keep on the company of a dealer that is second-hand equivalent premises.

A company providing brief term, short term loans which can be generally paid back by post-dated cheque or pre-authorized debit payment need a company licence being a lender that is payday.

Types of organizations that do need municipal certification:

  • Payday loan organizations
  • Cash loan providers
  • Wage advance
  • Pay day loans
  • Short term installment loans
  • Little buck loans
  • Pawnbrokers
  • Attempting to sell utilized products

Samples of companies that don’t require licensing that is municipal

  • Banking Institutions
  • Cheque cashing organizations
  • Credit unions
  • Banking institutions
  • Lending institutions

In the event your company doesn’t need a licence, you nevertheless demand Business ID and land usage approval. See companies perhaps not needing a municipal licence? to find out more.


Payday loan providers

Payday loan providers are considered an online payday loan use in the event that development of cash doesn’t go beyond $1,500 and it is for a phrase of 62 times or less. Payday lenders are allowed to use being a home-based or commercial company. For any commercial organizations, there needs to be 400 metres from any proposed payday lender to a payday lender that is existing.

Extra licence demands for payday loan providers

Payday loan provider companies must show an indication money that is regarding help and financial obligation counselling, noticeable in the premises entryway.

Payday loan providers must conform to the Provincial Fair Trading Act.


In the event your company provides pawnbroker solutions, it should be situated at the very least 400 metres from any current pawnbroker. It should also meet with the following guidelines of the pawnbroker licence.

A pawnbroker should never:

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