A wrong figure, a failed form, a lender that ignored Alberta's rules: each has a different door. This page names them: us, the platform, the lender, Service Alberta's Consumer Investigations Unit and the Financial Consumer Agency of Canada.
Something on this site is wrong
Errors on this site are ours to fix and go through the contact page, naming the page. We acknowledge within two business days and answer in full within ten. A stale figure or a wrong Edmonton detail, such as an LRT line called open while still under construction, is corrected and the date at the top changes.
Your application
Questions about the status of an application belong to the platform, whose support contact is on your confirmation. It never passes through this site, so we cannot look it up. The how it works page names each step so you can say where it stopped.
A loan you hold
A problem with a loan you have signed starts with the lender, whose complaint contact must be on the agreement. Under Part 12.1 of the Consumer Protection Act and the Payday Loans Regulation, a payday lender must:
- charge no more than $14 per $100 borrowed;
- spread repayment over 42 to 62 days, on at least three paydays;
- accept your cancellation until the end of the second day after it gives you the agreement;
- write no rollover or replacement loan;
- take no fee before the first instalment is due;
- on default, charge no more than 2.5% a month simple interest plus one fee per dishonoured payment, and call only between 7 a.m. and 10 p.m.
If the lender breaks those sections, the Act says you owe the principal and nothing more.
Lender conduct
A lender that will not put things right answers to the Consumer Investigations Unit of Service Alberta and Red Tape Reduction, which licenses every payday lender in the province. Bring the agreement, the record of each deposit and debit, the lender's messages and the dates. Check the lender's licence in the licensed business search; the province's payday loans page explains how to file.
Complaints about a federally regulated bank go instead to the Financial Consumer Agency of Canada, which also publishes guidance on borrower rights.
Who handles what
| The problem | Where it goes |
|---|---|
| A page here is wrong or out of date | Us, through the contact page |
| The form, the bank connection or the status of your application | The platform's support contact |
| A cost above $14 per $100, a refused cancellation, one payment demanded instead of instalments | The lender first, then Service Alberta's Consumer Investigations Unit |
| A rollover, a replacement loan, default interest above 2.5% a month, an installment rate above 35%, or a charge that was never in the agreement | The lender first, then the Consumer Investigations Unit |
| A lender funding Alberta loans without an Alberta licence | The Consumer Investigations Unit directly |
| A federally regulated bank, or general questions about borrower rights | The Financial Consumer Agency of Canada |
What we keep
We keep complaint emails and our replies until the matter is closed, and never share them with a lender or the platform.
Loan options in Edmonton
One page per product: who qualifies, how fast it funds and what to check before you sign.
