Affiliate Disclosure

How We Make Money

Loans BC connects borrowers across Canada with licensed lenders offering fast e-transfer payday loans and related credit products. When you submit an application through our site, we may receive a referral fee or commission from the lender if you proceed with their loan. This is how we sustain our free information service and keep our content updated.

We are not a direct lender ourselves. We do not originate, fund, or service loans. We simply provide information, educational content, and a referral pathway to help you find lenders that may work for your situation.

What This Means for You

Our affiliate relationships do not affect the price you pay for a loan. Lenders set their own rates, terms, and fees independently. You will not pay us directly, and our commission does not come from your loan balance or interest charges—it comes from the lender's marketing budget.

Importantly, receiving a referral fee does not bias our recommendations. We work with multiple lenders and aim to present options fairly so you can choose what suits your needs best. Our goal is to help you make an informed decision, not to push you toward any single lender.

Our Editorial Standards

All content on Loans BC is reviewed and maintained by our editorial team, led by Peter Parker. Our guides, rate comparisons, and educational articles are written to be accurate and helpful, regardless of affiliate relationships. We distinguish clearly between:

• Educational content — guides on how payday loans work, budgeting tips, and credit advice
• Referral services — the application form and lender connections that generate our revenue
• Comparisons and reviews — objective information about lender features and terms

We do not accept payment to rank lenders higher or to write favorable reviews. Our editorial independence is central to our credibility.

Responsible Lending Commitment

We only work with lenders who are licensed and regulated in their respective Canadian provinces. We encourage all borrowers to read the lender's terms and conditions carefully, understand the total cost of borrowing, and borrow only what they can repay. For guidance on responsible borrowing practices, please visit our Responsible Borrowing page.

Transparency and Disclosure

By using Loans BC, you acknowledge that:

• We are a referral service, not a lender
• We earn referral fees when you complete an application
• Your decision to apply does not obligate you to accept any loan offer
• You can compare multiple lenders before deciding
• All lender partnerships are based on licensing and compliance, not payment

Questions About Our Affiliate Model?

If you have concerns about our affiliate relationships or how we operate, please contact us. We're happy to clarify how we work and why we believe transparency strengthens trust. You can also review our full Terms of Service and Privacy Policy for additional details on how we handle your information and conduct business.