Loans Canada - Affordable Personal Loans

How much do you want to borrow?

Reduce Your Monthly Payments By Up To 50%
Start Building Better Credit Today
Get Working Capital For Your Business

Looking for other services? We can help with car loans, mortgages and a lot more.

I felt like my credit score was holding me back and Loans Canada found a lender who got me a loan without even checking my credit.

- Adam, St-John NB

I had $16,000 in credit card debt and 3 payday loans. I thought my payments were insurmountable. Loans Canada helped me consolidate my payments and pay it all off.

- Nancy, Toronto ON

As a student, I didn't have any credit history and got denied for my car loan. I used Loans Canada's credit building program to build up my score and finance the car I wanted.

- Steve, Ajax ON

I got the advance my business needed just days after I applied at a really affordable rate. The service is great!

- Alex, Calgary AB

I felt like my credit score was haunting me and Loans Canada found a lender who got me a loan without even checking my credit.

- Adam, St-John NB

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How it Works 3 Simple Steps

happy canadian getting a loan
  1. Select your service

    Loans Canada offers loan, mortgage, debt and credit solutions for Canadians of any credit, as well as business financing.

  2. Submit your application

    Our application form is fast, simple and secure. We'll need a little bit of information from you to match you with a lender.

  3. Get a personal offer

    After you submit your application, our system will analyze your information to find you the best offer or solution available.

Beyond Just Personal Loans

Are you interested in an unsecured, personal loan, repayable in affordable installments? We can help with that, and a whole lot more.

Car Loans

Looking to purchase a reliable car to get you and your family to and from point a to point b? Or maybe you're in the market for the car of your dreams. Whatever type of vehicle you're looking for, Loans Canada can help.

Payday Loans

Did you know that payday loans create a cycle of debt that can take months if not year to break free from? If you've been thinking about taking out a payday loan, choose an affordable instalment loan from Loans Canada instead. We are the country's number one alternative to payday loans.

Short Term Loans

Are you in need of some quick cash to cover the cost of an unexpected expense? Loans Canada can help by matching you with a short term loan and lender in your area. Apply today so you can get the money you need to handle whatever your expense may be.

Bad Credit Loans

Have you been turned down by banks and other traditional financial institutions because of your bad credit? Are you looking for a fresh start? Look no further, Loans Canada can connect you with the bad credit lenders and loans you need. Apply today and gain access to the money you need while working to rebuild and repair your credit score.

Debt Consolidation

Drowning in debt? Consolidate your debt to reduce your monthly debt burden and get back on your feet. We can help you consolidate your debt through a loan or a program.

Business Loans

You may have a business with formidable prospects, but a lack of funds could very much put a damper on things. With a business loan, you can propel your business to the next level.

Short-Term Mortgage Financing

Need cash now? Having trouble finding mortgage financing? Consider a short term mortgage loan from a private mortgage lender.

Second Mortgages

Second mortgages are a unique way to get access to large amounts of cash. Whether you need money for home renovations, a new car, debt consolidation, or just to go on vacation, a second mortgage is an affordable way to get the cash you want.

Car or Vehicle Title Loans

Do you own a car, a motorcycle or another vehicle? Did you know you could secure your vehicle against a loan? Using your vehicle for security can give you access to larger loans.

Asset Based Leasing and Financing

Lease to own your next big ticket purchase, or leverage your assets to qualify for larger loans. This service is ideal both for individuals and for businesses.

Consumer Proposals

Have your debts become too overwhelming? Loans Canada can connect you to a trustee if you're thinking about filing a consumer proposal.


Although usually an option of last resort, Loans Canada can connect you to a trustee if you're thinking about filing for bankruptcy.

Debt Settlement

Drowning in debt? Consolidate your debt to reduce your monthly debt burden and get back on your feet. We can help you consolidate your debt through a loan or a program.

Auto Repair Financing Program

Do you need cash to repair your car? We can help! Talk to us about our exclusive and unique auto repair financing program today.

Personal Loans Under $5,000

Most personal or unsecured loan requests in Canada are for amounts under $5,000. These types of loans are your best alternative to payday loans. Apply through Loans Canada and get started today.

Private Loans

Did you know you could find a loan from non-traditional sources? Loans Canada makes it easy. We can help you find financing from private lenders if you have bad credit, and also if you're considering leveraging your home equity. Ask us about short term loans today.

Personal Loans for $5000 or More

Unsecured loans for more than $5,000 can be hard to come by in Canada, but they are in high demand. For this reason, Loans Canada has partnered with more lenders and partners across the country to provide you with opportunities for loans of any size.

Personal Loans

Banks make finding financing hard, especially when you're looking for an unsecured loan. That's where we come in. Learn more about how Loans Canada connects borrowers and lenders through its safe and efficient online platform.

How We Can Help Solutions for Everyone

Loans Canada is the nation's best alternative to payday loans and your number one destination for financial services including mortgages, short and long term loans, car financing, debt management, business financing and merchant loan solutions.

Let us work with you to find the personalized solution you need for all of your credit and financial concerns.

Why Loans Canada Your One-Stop Shop For Everything Finance

Better Than Payday Loans

  • Personal loans repayable in small installments
  • Flexible repayment terms (months or even years)
  • Bad credit history? No problem
  • Personalized solutions
  • Way cheaper than payday loans!

More Options, More Savings

We believe that credit-constrained Canadians should have more options than just traditional institutions. That's why we've partnered with a wide array of lenders and financial services providers across the country to provide you with access to more options.

More Resources, Better Service

  • Active blog with insightful articles and videos
  • Educational content designed to help you manage your budget
  • Customer service that doesn't stop
  • Reach us by phone, email or through Facebook.

Our Commitment Responsible Lending

Our Commitment To You

We make sure that the lenders and partners we work with adhere to Canadian laws and regulations. All of our partners are vetted and approved by Loans Canada to certify that your personal information is protected and the services you receive are fair. We're committed to bringing you the best services and the best experience possible, regardless of your credit rating.

Our Mission Empowering Canadians

Making Borrowing More Accessible

We know that having access to more options and more resources results in better decision making. That's why we've made it our mission to empower Canadians by making searching for a loan easier and more accessible than ever. When you apply with Loans Canada, you get instant access to our entire lender network. This means with just one application, you get access to the most options and the best deals. It's easy, it's fast and it's accessible to Canadians of any credit.

Join Hundreds Of Thousands Of Canadians Who Have Already Trusted Loans Canada

Fresh From The Blog Latest Articles

What is a 100% Consumer Proposal?
Posted on January 24, 2019

What is a 100% Consumer Proposal?

Having too much debt on your plate can not only be financially challenging, but it can also be extremely stressful. Luckily, there are plenty of programs available that are specifically designed to help consumers whittle down their debt and help them achieve financial freedom sooner rather than later One such… Read More

Who Can Freeze Your Bank Account in Canada?
Posted on January 22, 2019

Who Can Freeze Your Bank Account in Canada?

Having a frozen bank account is absolutely frustrating and nerve-wracking. Freezing bank accounts is a tool that creditors often use to get the attention of those who owe them money, particularly if other forms of communication have not worked in the past. When your bank accounts are frozen, you are… Read More

Loans Canada Expands Its Partnership Programs With New Affiliate Program Features and Loan Search Widget
Posted on January 21, 2019

Loans Canada Expands Its Partnership Programs With New Affiliate Program Features and Loan Search Widget

TORONTO, Jan. 21, 2019 /PRNewswire/ — Loans Canada, the nation’s leading loan search platform, has matched hundreds of thousands of Canadian consumers with the loan, credit and debt relief services they need. Founded in 2012 by Scott Satov, CA, CFA, Loans Canada has quickly grown to one of the largest consumer lender networks in Canada. Read More

What Should My Credit Utilization Ratio Be?
Posted on January 17, 2019

What Should My Credit Utilization Ratio Be?

Credit utilization ratios are a large component of credit score calculations and are a useful ratio for lenders to use when determining the creditworthiness of a loan applicant. Because of their importance in the world of personal finance, it is beneficial to understand what they are, how they work… Read More

How Do Secured Personal Loans Work?
Posted on January 16, 2019

How Do Secured Personal Loans Work?

Sponsored by Fairstone. For this blog, we’ve teamed up with our partners at Fairstone. Most homeowners have the option of securing their loan. The benefit? Secured loans can help you access lower interest rates and more money. Our partners at Fairstone helped us answer some frequently asked questions about secured… Read More

Mortgage Prepayment Penalty
Posted on January 15, 2019

Mortgage Prepayment Penalty

A mortgage is a hefty financial commitment to repay a large sum of money to a lender to buy a home. Considering this, the thought of paying all the money that you owe before it’s actually due might be far from your thoughts when you initially take out a mortgage. Read More


All consultations and conversations with Loans Canada and its partners are confidential and risk-free. Speak with a trusted specialist today and see how we can help you achieve your financial goals faster.

Loans Canada and its partners will never ask you for an upfront deposit, upfront fees or upfront insurance payments on a loan. To protect yourself, read more on this topic by visiting our page on loan scams.