$500$25k$50k
One lump sum, equal payments, fixed payoff date. Installment loans are the predictable middle ground between payday and personal loans — $500 to $50,000, repaid over 6 to 60 months at 9.99% to 34.99% APR.
Drag the sliders to see your real payment, every period's principal-vs-interest split, and your total cost.
Paying extra early in the term cuts total interest dramatically — most of our customers do this and save thousands.
One installment loan replaces a year of payday loans at a fraction of the cost. Move the sliders to your actual pattern.
Filter by credit tier and amount you need. We only feature lenders that report on-time payments to the credit bureaus.
Spring bundles your installment loan with a credit-builder program that reports every on-time payment to Equifax. Most customers see +30 to +80 points in their first year — qualifying them for prime rates by the time they renew.
Soft credit check at pre-qualification. APR 9.99-34.95% based on credit profile. Min score 600. Available across all provinces. Federally regulated lender.
Soft credit check. See your real APR before applying. Zero impact to your score.
Submit ID, proof of income, and bank statement (or void cheque). Hard pull at this step.
Most installment lenders decide same-day or next-day. Some require a 5-minute phone call.
Direct deposit or e-Transfer. Usually 1-3 business days from approval to cash in hand.
Fixed payments hit your account on payday — no juggling, no surprises. Done in 6 to 60 months.