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Payday Loan 14-day APR Range: 443.21% - 651.79% APR varies per provincial regulations. Click Rates and Terms to view the APR in your province. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. In accordance with government regulations your loan must be paid in full by the due date and may not be extended, refinanced or rolled over.