One Free Application, Offers From Lenders Across Canada
Personal loans, business loans, debt consolidation, car loans and more, with all credit types considered. Plus, get your free credit score!
7 Million+
Happy Applicants
14+
Years Helping Canadians
4.5★
From 430+ Google Reviews
100%
Canadian Owned & Operated
As Seen On...
How It Works
What Happens When You Apply
1 Tell us what you need
Choose a personal loan, debt relief, a car loan or business funding, and tell us how much you need and a little about your income. It takes a few minutes.
2 We find lenders that fit
We compare your request with the lenders and providers in our network to find the ones most likely to work with your situation, including fair and bad credit.
3 Review your options and decide
Compare what you're offered and choose what's right for you. It's free, and you're never obligated to accept an offer.
Fair credit was funded more often than good credit.
+93%
Direct Deposit
How You're Paid Matters
Direct deposit made applicants 93% more likely to be funded than any other way of being paid.
+46%
Full-Time Work
Steady Income Wins
Full-time work made applicants 46% more likely than average to be funded. Part-time, self-employed and benefits income get funded too.
Award Winning Platform
Canada's Loan Comparison Platform
Research Lenders Before You Apply
Read lender profiles and customer reviews, see how we rate each lender, and compare rates and terms side by side. Loans Canada was named one of Canada's Top Growing Companies by The Globe and Mail in 2022, 2023, 2025 and 2026.
Our team brings 15 years of Canadian lending experience and the insight of more than 7 million applications processed since 2012. We know what lenders look for and what gets an application funded, and every guide is written and reviewed with that experience.
15 years in Canadian lending · Credit, qualification and lending rules
Cris leads our personal and business lender integrations and built our free credit score. He knows what lenders look for and what gets an application funded.
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Credit building!
The Foundation by Spring Financial
Credit building on autopilot. Appy for The Foundation and make payments for 12 months. Payments are reported to both credit bureaus which can help build credit. Plus, after 12 months you'll have $750 saved.
HOT!
Build Credit With Kikoff
A simple and safe way to build your credit. No credit check, no hidden fees, and no interest. Kikoff reports payments to Equifax, which can help improve your credit.
NEW!
Access up to $750
Bree lets you access up to $750 (no interest) to help cover overdraft fees or unexpected expenses.
Loans Canada launched in 2012 as Canada's original loan comparison platform. Since then, Canadians have submitted more than 7 million applications through us. Those applications, more than a decade of working directly with Canadian lenders, and independent product research are what our recommendations are built on.
Today we operate one of the largest lender networks in Canada, alongside a credit education library that is free to use. Loans Canada has been featured on television and radio, in magazines and newspapers, and by outlets including CBC News, the National Post, the Financial Post and the Toronto Star. See our media coverage or read more about our story.
Is Loans Canada a lender?
No. Loans Canada is a loan comparison platform. We connect you with lenders and other financial service providers in our network. The lender reviews your application, makes the decision and sets the rate and terms.
Why should I apply with Loans Canada instead of with a lender directly?
One application reaches several lenders at once. If you apply to lenders one at a time and get declined, you start over each time, and every application can mean another credit check. With Loans Canada you fill in one form and compare the options you get.
Can I apply even if I have bad credit?
Yes. Many of our partners work with fair and bad credit, and look at your income and how you're paid, not only your score. In our study of nearly 500,000 applications, fair credit was funded more often than good credit. Approval and rates are always up to each lender.
What is the interest rate of a bad credit loan?
APRs on personal loans from our partners range from 9.99% to 35%, the legal maximum in Canada. Where you land depends on your credit, income, existing debt and the lender. Some lenders put more weight on income and employment than on your score. Use our loan calculator to see what a rate means for your monthly payment.
Are your services really free?
Yes. Comparing options, applying and every guide and calculator on the site are free. We earn a referral fee from the lenders and providers in our network when we connect you with them, never from you. Here's how we make money.
