Maximum charges permitted in Ontario for payday loan: 14% of the principal. We charge: 14% of the principal. For a $500 loan for 14 days: Total cost for borrowing = $70 Annual Percentage rate = 365%

Maximum charges permitted in Nova Scotia for payday loan: 14% of the principal. We charge: 14% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $42 Annual Percentage rate = 365%

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