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Compare loans with complete transparency — rates, fees, and eligibility from licensed lenders.

Personal Loans

Typical APR 5.99–35.99%
Licensed lenders
APR fully disclosed
Updated daily

Recently added

KOHO Credit Building Account

Credit Builder
Representative APR —
Amount Up to CA$10

Best for: This service is best for individuals who are new to credit or those looking to rebuild their credit history through responsible spending.

Canadian resident · 18+ years old · Active bank account

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Scotiabank Personal Loan

Personal
Representative APR 6.0–10.0%
Amount CA$5k–CA$75k

Best for: Ideal for individuals with strong credit profiles looking for long-term borrowing solutions with flexible repayment options.

Canadian resident · Good credit score · Proof of income

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Fairstone Personal Loans

Personal
Representative APR 29.99–34.99%
Amount CA$500–CA$50k

Best for: Best for those who need quick access to unsecured funds and prefer both online and in-branch support.

Canadian resident · 18+ years old · Proof of income

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National Bank Personal Loan

Personal
Representative APR 7.95–14.95%
Amount CA$2k–CA$50k

Best for: This loan is best for Quebec-based customers looking for personalized loan options with both fixed and variable rates.

Canadian resident · Good credit score · Proof of income

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Tangerine Line of Credit

Personal
Representative APR 7.45–12.45%
Amount CA$1k–CA$50k

Best for: This product is best for Canadians who prefer managing their finances online and are looking for a straightforward line of credit with no hidden fees.

Canadian resident · Tangerine client or new applicant · Good credit history

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TD Bank Personal Loan

Personal
Representative APR 8.99–23.99%
Amount CA$5k–CA$50k

Best for: This loan is best for individuals seeking a reliable option for larger expenses, such as home renovations or debt consolidation.

Canadian resident · Good credit history · Regular income

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RBC Royal Bank Personal Loan

Personal
Representative APR 9.0–13.0%
Amount CA$5k–CA$50k

Best for: This loan is ideal for individuals with a high credit score looking for long-term financing options without the worry of early repayment fees.

Canadian resident · Good credit score · Steady income

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Desjardins Personal Loan

Personal
Representative APR 6.95–12.95%
Amount CA$500–CA$50k

Best for: This loan is best for current Desjardins members seeking flexible terms and personalized service, along with those who prefer a well-established institution.

Desjardins member · Canadian resident · Good credit history

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Meridian Credit Union Personal Loan

Personal
Representative APR 7.49–12.99%
Amount CA$1k–CA$50k

Best for: This loan is best for members of Meridian looking for flexible personal loan options with reasonable APRs and a commitment to customer service.

Ontario resident (member) · Good credit score · Proof of income

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Fora Credit Line of Credit

Personal
Representative APR 19.9–34.9%
Amount CA$1k–CA$15k

Best for: This product is best for individuals seeking quick access to funds with a straightforward online application process.

Canadian resident · 18+ years old · Active bank account

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Mogo Personal Loan

Personal
Representative APR 9.9–46.96%
Amount CA$500–CA$35k

Best for: This loan is best for Canadians seeking short-term financing with a straightforward online application process and quick approvals.

Canadian resident · 19+ years old · Active bank account

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LendDirect Personal Loan

Personal
Representative APR 19.9–46.93%
Amount CA$500–CA$25k

Best for: This service is best for borrowers needing fast approvals and flexible eligibility criteria.

Canadian resident · 18+ years old · Active bank account

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Spring Financial Personal Loan

Personal
Representative APR 9.99–34.95%
Amount CA$300–CA$35k

Best for: This service is ideal for individuals looking to build their credit while accessing loan amounts between $500 and $35,000 with fast funding.

Canadian resident · 18+ years old · Active bank account

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Coast Capital Savings Personal Loan

Personal
Representative APR 7.99–14.99%
Amount CA$1k–CA$50k

Best for: This loan is ideal for individuals in British Columbia seeking a flexible, fee-free banking experience.

Coast Capital member · Canadian resident · Good credit score

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BMO Personal Loan

Personal
Representative APR 8.99–22.99%
Amount CA$2k–CA$35k

Best for: This loan is ideal for high-credit borrowers looking for loans starting at $2,000 with long repayment terms.

Canadian resident · 18+ years old · Good credit history

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goPeer Personal Loan

Personal
Representative APR 8.99–34.99%
Amount CA$1k–CA$35k

Best for: This platform is ideal for Canadians looking to build their credit while accessing lower interest loans. It's also suitable for individuals seeking to invest in personal loans for high-yield returns.

Canadian resident · Credit score 600+ · Active bank account

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CIBC Unsecured Personal Loan Options

Personal
Representative APR 9.0–10.0%
Amount CA$3k–CA$200k

Best for: This loan is best for individuals looking to consolidate debt or finance significant purchases without collateral, thanks to its high limit and varied terms.

Canadian resident · Minimum annual income $17,000 gross · Good credit score

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Fig Financial Personal Loan

Personal
Representative APR 8.99–29.49%
Amount CA$2k–CA$35k

Best for: This loan is best for individuals with a building credit tier seeking longer loan terms of up to seven years.

Canadian resident · 18+ years old · Active bank account

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