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

Is Debt Consolidation a Good Idea?
Posted on February 15, 2019

Is Debt Consolidation a Good Idea?

Sponsored by If you’re missing credit card payments and struggling to stay on top of bills, you might be wondering if debt consolidation is a good idea. We connected with our partners at Fairstone to help you decide if a debt consolidation loan is right for you. Here are some… Read More

When You Need a Loan Connect with Loans Canada
Posted on February 11, 2019

When You Need a Loan Connect with Loans Canada

Loans Canada is a leading online platform for Canadian consumers, in fact, it is the largest in the entire country! The purpose of Loans Canada is to provide a platform for consumers to research financial products, compare financial options, be connected with lenders, leave reviews, and learn about personal finance. Read More

Burn Your Mortgage: The Simple, Powerful Path to Financial Freedom
Posted on February 5, 2019

Burn Your Mortgage: The Simple, Powerful Path to Financial Freedom

You may have heard of my story. I’m the guy who paid off his mortgage by age 30. CBC News filmed my mortgage burning party a little over three years ago and it went viral. While a lot of people know I’m mortgage-free, I wanted to share… Read More

How to Secure a Loan With Cryptocurrency
Posted on February 5, 2019

How to Secure a Loan With Cryptocurrency

The latest buzzword in the world of finance seems to be “cryptocurrency.” But what exactly is this new type of currency? And how can you use cryptocurrency in your own personal life? Basically, cryptocurrency is a digital or virtual type of currency. It’s much more secure than traditional currency because… Read More

Mortgage Closing Costs in Ontario
Posted on January 30, 2019

Mortgage Closing Costs in Ontario

A home is a significant purchase, and odds are, you’ll need a mortgage to support such a cost. But the mortgage payments themselves, while hefty, aren’t the only financial aspects of buying a home that you need to budget for. When buying a home in the GTA, there are several… Read More

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


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.