Excellent740+
6.99%
Monthly$297
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Compare 50+ Canadian lenders, see your real rate in 60 seconds, and get matched — all with a soft credit check that never affects your score.
Real Canadian rates from lenders that publish them. The score they look at is your Equifax or TransUnion score — we'll show you yours for free.
No credit check, no signup, no email. Just an honest answer in 30 seconds.
Real published APRs, real minimums, real funding times. Sorted however you like.
We'll tell you when it's not. Here are 3 alternatives that beat a personal loan in specific situations.
When it wins: You need a lump sum with a fixed payoff date.
When it wins: You are a homeowner with significant equity and want flexibility.
When it wins: You can pay off the debt within the promo window.
When it wins: You have ongoing or unpredictable expenses.
The max APR is 35% federally, but consumer protection laws and complaint bodies are provincial. Know who to call if a lender breaks the rules.
Most people get funded in 1–3 business days. Here's exactly what happens.
Soft credit check, no impact. See your real rates in 60 seconds.
See up to 4 matched lenders side-by-side. Pick the one that fits.
Submit documents (ID, proof of income, banking). Hard credit pull here.
Most decisions in under 24 hours. Some same-day approvals.
e-Transfer or direct deposit. Funds usually within 1–3 business days.
Every review below is from a verified borrower who took out a loan through our platform.
"I got matched with 3 lenders in literally a minute. Picked the lowest APR, money was in my account next day."
"My credit score went up 70 points after the credit-builder loan. Now I qualify for a regular card too."
"Had a 580 score after a tough year. They worked with me, set up a sensible payment, no hidden fees."
"Free credit score is what got me in the door. Then matched me with a great rate. Honest brand."
If a "lender" does any of the things in the right column, walk away. Then report them to the FCAC.