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UrLoan specializes in bad credit personal loans and installment loans. They are an affordable alternative for consumers looking to avoid the cycle of debt that payday loans create. UrLoan is able to approved Canadians with good credit, bad credit, or no credit. They work with their clients to create personalized repayments plans to make sure all borrowers can afford their loans. If you’re a bad credit borrower, urLoan will report your payment history to TransUnion, which means while you pay down your loan you’ll be working toward a better credit score.