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EXAMPLE OF THE COST OF YOUR LOAN: Loan repayment terms range from a minimum of 3 months to a maximum of 12 months. In accordance with Quebec legislation, the maximum annual interest rate is 34% (APR). Consider the example of a $500 loan over a 12-month period: with the $500 principal plus 34% interest ($170), the total annual cost would be $670, amounting to $14.16 in interest per month. Loan repayments are spread over a period of 3 to 12 months, depending on the amount borrowed, and the loan can be paid off at any time.