Payday Lenders - business guide
Before you apply
What is a payday lender?
A business offering short term, unsecured loans that are generally repaid by post-dated cheque or pre-authorized debit payment require a business licence as a payday lender.
Do you need a licence?
Examples of businesses that do require municipal licensing:
- Cash advance loan businesses
- Money lenders
- Payday advance
- Payday loans
- Short term loans
- Small dollar loans
- Pawnbrokers
- Selling used goods
Examples of businesses that do not require municipal licensing:
- Banks
- Cheque cashing companies
- Credit unions
- Financial institutions
- Lending institutions
If your business does not require a licence, you still require a Business ID and land use approval. Visit businesses not requiring a municipal licence for more information.
How much will it cost?
For business licence fees, see the Business Licence Fee Schedule. The business licence fee schedule is broken down by licence type. If your business requires multiple licence types, the highest category fee will be charged.
These fees do not include the costs related to required permits to meet land use approval, or any third-party approvals or inspections that may be required to obtain your licence.
| Business licence | Fee schedule | New licence | Fire | Planning* | Total |
|---|---|---|---|---|---|
| Payday lenders | $172 | $66 | $41 | $344 |
How long will it take?
Timelines indicated are not a guarantee and depend on volumes, application completeness, and the applicant’s timely replies to additional information requests from the City.
Review information on timelines and the approvals process.
What are the rules?
Payday lenders
Payday lenders are considered a payday loan use if the advancement of money does not exceed $1,500 and is for a term of 62 days or fewer. Payday lenders are permitted to operate as a home-based or commercial business.For any commercial businesses, there must be 400 metres from any proposed payday lender to an existing payday lender.
Additional licence requirements for payday lenders
Payday lender businesses must display a sign regarding money management support and debt counselling, visible at the premises entryway.
Payday lenders must comply with the Provincial Fair Trading Act.
Pawnbrokers
If your business offers pawnbroker services, it must be located at least 400 metres from any existing pawnbroker. It must also meet the following rules of a pawnbroker licence.
A pawnbroker must not:
- Carry on the business of a second-hand dealer on the same premises.
- Aquire personal property through any source other than as a security for pledge or pawn to resale later.
- Aquire personal property for a pledge or pawn at a location other than the pawnbroker’s premises.
How to prepare your application
Once you know how and where your business will operate, you’re ready to apply.
For a smooth application, make sure you know the following information:
- Business Activities
- Location of Business
- Fee payment at the time of application*
- Ownership
- Name of Business
- Contact information for the business and owner
- If you are applying online, a myID account
- Two pieces of government issued identification
Apply
Tips for a smooth application process
Before you apply
Download the checklist and check each application requirement as you prepare to submit your application. Items listed on the checklist are the minimum requirements. We might need more information after we review your application.
Provide all required documents on the checklist, including drawings, supporting material, and any additional forms. If you are not sure if something is required, contact the Planning Services Centre.
Use sample drawings to review what you need to include on your plans
Double check your documents are completed and make sure you have all required items on your plans before you upload them
After you apply
The Planning Services Centre may contact you for more information required for your application. Follow-up on requests for more information as quickly as possible.
Use the Job Access Code (JAC) to check status updates for your application on calgary.ca/vista
- You’ll get a JAC by e-mail after you’ve submitted your application. If you did not receive a JAC number, contact the Planning Services Centre.
- Checking your application’s status using your JAC will provide you with timely updates about the status of your application
What is a complete application?
A complete application means that you have provided all the necessary requirements for our teams to complete their reviews. You should provide everything listed on the Complete Application Requirement List and the Guide to a Complete Application (if applicable), including plans, supporting documents and payment.
An application for a permit may be refused if, within ninety (90) days from the date of receipt, if adequate information and documentation is not supplied as requested by the Safety Codes Officer. Should a permit be considered for refusal, the applicant will be given notification in writing and 30 days to resubmit the missing information. For more information, please review Building advisory A19-002 building permit complete application.
Apply online
To apply online, you need a myID account. Create a myID account.
-
apply.calgary.ca
We’re currently experiencing higher than seasonal application volumes, we apologize for delays. To check the status of your permit, go to vista.calgary.ca and enter in your Job Access Code (JAC) number
Apply in-person
Complete the application form.
Once you have gathered all required documents, you can apply for your permit in person by visiting the Planning Services Centre.
After you apply
How to check the status of your licence
After you submit your application online, you will get a confirmation email with a Job Access Code (JAC).
To track your application and check its status, enter your Job Access Code in Vista.
If you need help or have questions, contact our Planning Services Centre.
What inspections do you need?
Once you apply for your business licence, outstanding approvals must be completed before the business licence is issued.
A business licence will often have multiple licence types associated with it. Below is a chart of all the related licence types that fall under this business activity. If your business requires multiple licence types, approval processes are only generated once per licence. For example, only one fire inspection is required even if multiple licence types require that inspection.
What are the required approvals?
| Licence Type | Land use | Police | Fire | Health | Provincial | AMVIC | ID card |
|---|---|---|---|---|---|---|---|
| Motor Vehicle Dealer - Premises | Required | Required | Required | Not required | Not required | Required | Not required |
| Payday Lender | Required | Required | Required | Not required | Required | Not required | Not required |
| Pawnbroker | Required | Required | Required | Not required | Not required | Not required | Not required |
| Retail Dealer - Premises | Required | Not required | Required | Not required | Not required | Not required | Not required |
| Secondhand Dealer | Required | Required | Required | Not required | Not required | Not required | Not required |
Land use approval
All businesses in Calgary require land use approval. Each space in a building has its own specified, approved use that cannot be changed without an approval, permit or both.
To view the allowable uses within a land use district, refer to the Land Use Bylaw. To determine the land use district of a property, visit myProperty.
You can also refer to Commercial, industrial and mulit-residential for more information, or contact our Planning Services Centre at 403-268-5311 to investigate land use approval for your business.
Calgary Police Services approval
This licence type requires recommendation by the Calgary Police Service through the Police Information Checks unit. Approval is completed by the Calgary Police Service and is initiated on your behalf through your business licence application. Please note that previous police checks cannot be used as a substitute for this approval process.
You are required to provide two pieces of valid, government issued identification, one of which must contain photo identification (ID).
You can show your ID:
- In person at the Planning Services Centre:
3rd floor
800 Macleod Trail S.E.
Calgary, AB
- By email: licencedivisionteam@calgary.ca
- By fax: 403-537-3034
Please reference your Business ID (BID) in the email or fax.
Please note: for licenses requiring a statutory declaration or a City-issued ID card, proof of identification must be shown in person.
This approval generally takes about two weeks.
Acceptable forms of government issued photo identification include:
- driver’s license
- passport
- Alberta photo identification card (issued through registry offices)
- firearms license
- Nexus card
- permanent resident card
- Secure Certificate of Indian Status card (federally issued)
- aviation document booklet
- certified refugee protection claimant document
(For youth between the ages of 12 to 15 years old who cannot provide any of the listed photo identification options, a student photo ID will be considered).
Acceptable forms of government issued identification include:
- provincial health care card
- birth certificate
- marriage certificate
- immigration documentation (includes valid document issued by Immigration and citizenship Canada)
- citizenship card
- citizenship certificate
Fire Prevention Bureau approval
Provincial licensing approval
Certain business activities require provincial licensing in addition to your municipal business license. These activities have been identified as licence types on the chart above (see required approvals chart).
Contact Service Alberta at 1-780-427-4088 (or toll free in Alberta only at 1-877-427-4088) and provide details of the licence types you are currently applying for with The City of Calgary. Service Alberta will direct you to the appropriate provincial contact which will provide further direction in regard to fulfilling the provincial licensing requirements necessary for obtaining your municipal business licence.
Provincial licenses must be submitted to The City’s licence division to obtain the municipal license.
You can present your provincial licence:
- In person at the Planning Services Centre:
3rd floor
800 Macleod Trail S.E.
Calgary, AB
- By email: licencedivisionteam@calgary.ca
- By fax: 403-537-3034
Alberta Motor Vehicle Industry Council (AMVIC)
The Alberta government requires a license for certain motor vehicle business activities. You must contact the Alberta Motor Vehicle Industry Council (AMVIC) at 1-877-979-8100 for details about obtaining a provincial licence.
AMVIC requires confirmation of City planning approvals before they will issue a provincial AMVIC licence. Once AMVIC issues your provincial licence, you must provide it to The City of Calgary, which will then release your municipal business licence.
Applicants can present the AMVIC license:
- In person at the Planning Services Centre:
3rd floor
800 Macleod Trail S.E.
Calgary, AB
- By email: licencedivisionteam@calgary.ca