Customer Notice: Limit one coupon per customer per calendar year. Coupon does not apply to multi-pay loan products. You must present this coupon at origination (in-store or online) or with your payment (in-store only) for the discount to apply. Payday Loans are High Cost Loans. Nova Scotia Example: $100 Loan for 14 days; Principal amount: $100; Total cost of borrowing: $14; Total to repay: $100 PLUS $14 = $114.