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Example: Payday loan rates, fees, and terms vary by lender and province. In many provinces, the cost of borrowing may range from $14 to $15 per $100 borrowed. For example, borrowing $300 for 14 days at a cost of $14 per $100 borrowed results in a total repayment amount of $342 and an approximate APR of 365%.

Payday loans are high-cost short-term financial solutions and should not be used as a long-term borrowing option. Consumers should carefully review all loan terms and repayment obligations before accepting any loan offer.