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Latest Business Articles

Predatory Small Business Lenders

By Caitlin Wood
Updated on January 15, 2016

Learn to distinguish a predatory small business lender from a legitimate small business lender.

Getting a Loan to Benefit Your Customers

By Caitlin Wood
Updated on April 28, 2015

Have you ever considered taking out a loan for your business to help your customers?

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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 fee, deposit or insurance payments on a loan. Loans Canada is not a mortgage broker and does not arrange mortgage loans or any other type of financial service.

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Disclaimer: All loans are subject to credit and underwriting approval. Loans Canada is a loan search platform and comparison website, not a lender. CompareHub.ca is an alias of Loans Canada and is operated by the same company. Loans Canada only works with financial service providers that adhere to Canadian laws and regulations.

Personal loans. Personal loans range from $250 to $50,000 with terms from 3 months to 60 months or longer. APRs on personal loans range from 9.99% to 35% and depend on our partners' assessment of your credit profile. Personal loan repayment example: a $1,000 loan at 29.99% APR repaid monthly over 12 months costs $97.48 per month, for a total of $1,169.76 over the life of the loan ($169.76 in interest).

Business loans. Business loans range up to $500,000. Business loan rates and terms vary by lender, and some business financing is offered as a merchant cash advance, which is priced with a factor rate rather than an APR. Business loan repayment example: a $10,000 loan at 15% APR repaid monthly over 24 months costs $484.87 per month, for a total of $11,636.88 over the life of the loan ($1,636.88 in interest).

Payday loans. Payday loans are regulated by the provinces. Each province licenses payday lenders and sets its own rules on loan amounts, terms, the cost of borrowing and borrower protections, within the federal maximum of $14 per $100 borrowed. The examples above do not apply to payday loans.

Missed payments and default. If a payment is missed, a fee may apply, depending on the lender. If you default on your loan, your payment plan will be terminated and other collection methods will be used to collect your remaining balance. Outstanding debts will be pursued to the full extent of the law. Our lenders employ fair collection practices.

Equifax. Loans Canada is not affiliated with Equifax Canada Co., its parent company, subsidiaries or its affiliates (collectively, "Equifax"). The content of this website is not reviewed nor approved by Equifax. Loans Canada is an authorized reseller of the Equifax Risk Score, however, Equifax does not endorse, guarantee or recommend any of the products, services or content on this website. For information about Equifax, the Equifax Risk Score, and/or Equifax credit reports, please visit the official Equifax Canada Co. website at https://www.consumer.equifax.ca/personal/.

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