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.

Reverse Mortgage

If you’re a Canadian homeowner, 55 years or older, and are looking for a way to fund your retirement to supplement your current income, a reverse mortgage could be the solution you’ve been looking for.

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

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Posted on June 4, 2019

My Car Loan Application Was Rejected, Now How Do I Get Approved?

It’s tough to get around these days without a car, especially if you live in the suburbs or in rural parts of the city. Unless you live right on a bus or subway route, having a set of wheels is almost mandatory. But cars are so expensive these days. Read More

Startup Business Loans
Posted on May 30, 2019

Startup Business Loans

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How To Tell If Your Insurance Agent Is Misleading You
Posted on May 29, 2019

How To Tell If Your Insurance Agent Is Misleading You

Claudia DoRego, Planswell Insurance is a crucial component of any financial plan because it keeps you protected in the event of an accident, fraud, or other awful things that can happen in life. Whether it’s critical illness, disability, or life insurance, insurance’s job is to make sure… Read More

Why Canadian Bankruptcies Are On The Rise
Posted on May 28, 2019

Why Canadian Bankruptcies Are On The Rise

It is no secret that the cost of living in Canada is expensive, especially in cities. But, what’s more of a secret is the debt Canadians are accumulating to help them afford the cost of living. In fact, debt has become such a prevalent issue in Canada that the insolvency… Read More

Does Applying For a Loan Affect Your Credit Score?
Posted on May 24, 2019

Does Applying For a Loan Affect Your Credit Score?

For this post, we’ve teamed up with our partners at Fairstone When applying for a loan, or any type of credit, it’s important to understand the impact it may have on both your credit report and credit score. Our partners at Fairstone explain when and how a loan application… Read More

Should You Incorporate Federally or Provincially?
Posted on May 24, 2019

Should You Incorporate Federally or Provincially?

Thinking of starting your own business in Canada? Congratulations! Entrepreneurship can open many doors and opportunities and give you the chance to break through wage ceilings that are typical of the average salaried job. You’ll also have the creative freedom to turn your passion or knowledge into a full-fledged… 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.