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Compare personal loans

Estimated APR, monthly payment ranges, and repayment terms — side by side. Rates may vary by lender.

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Spring Financial Personal Loan

Spring Financial

Personal
APR 9.99–34.95%
Amount CA$300–CA$35k
Term 12–60 mo
Speed ⚡ Same day

Best for: This service is ideal for individuals looking to build their credit while accessing loan amounts between $500 and $35,000 with same-day funding.

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KOHO Credit Building Account

KOHO

Credit Builder
APR —
Amount Up to CA$10
Term 4–12 mo
Speed ⚡ Instant approval

Best for: This service is best for individuals who are new to credit or those looking to rebuild their credit history through responsible spending.

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goPeer Personal Loan

goPeer

Personal
APR 8.99–34.99%
Amount CA$1k–CA$35k
Term 36–60 mo
Speed ⚡ 3-5 business days

Best for: This platform is ideal for Canadians looking to build their credit while accessing lower interest loans. It's also suitable for individuals seeking to invest in personal loans for high-yield returns.

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Mogo Personal Loan

Mogo

Personal
APR 9.9–46.96%
Amount CA$500–CA$35k
Term 6–60 mo
Speed ⚡ Minutes (online)

Best for: This loan is best for Canadians seeking short-term financing with a straightforward online application process and quick approvals.

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Fairstone Personal Loans

Fairstone

Personal
APR 29.99–34.99%
Amount CA$500–CA$50k
Term 6–120 mo
Speed ⚡ Same day

Best for: Best for those who need quick access to unsecured funds and prefer both online and in-branch support.

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Coast Capital Savings Personal Loan

Coast Capital Savings

Personal
APR 7.99–14.99%
Amount CA$1k–CA$50k
Term 12–60 mo
Speed ⚡ 1-3 business days

Best for: This loan is ideal for individuals in British Columbia seeking a flexible, fee-free banking experience.

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Tangerine Line of Credit

Tangerine

Personal
APR 7.45–12.45%
Amount CA$1k–CA$50k
Term 12–60 mo
Speed ⚡ 1-3 business days

Best for: This product is best for Canadians who prefer managing their finances online and are looking for a straightforward line of credit with no hidden fees.

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CIBC Unsecured Personal Loan Options

CIBC

Personal
APR 9.0–10.0%
Amount CA$3k–CA$200k
Term 12–60 mo
Speed ⚡ 1-3 business days

Best for: This loan is best for individuals looking to consolidate debt or finance significant purchases without collateral, thanks to its high limit and varied terms.

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Fig Financial Personal Loan

Fig Financial

Personal
APR 8.99–29.49%
Amount CA$2k–CA$35k
Term 24–84 mo
Speed ⚡ 1-2 business days

Best for: This loan is best for individuals with a building credit tier seeking longer loan terms of up to seven years.

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National Bank Personal Loan

National Bank of Canada

Personal
APR 7.95–14.95%
Amount CA$2k–CA$50k
Term 12–60 mo
Speed ⚡ 1-3 business days

Best for: This loan is best for Quebec-based customers looking for personalized loan options with both fixed and variable rates.

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TD Bank Personal Loan

TD Bank

Personal
APR 8.99–23.99%
Amount CA$5k–CA$50k
Term 12–84 mo
Speed ⚡ Same day to 2 business days

Best for: This loan is best for individuals seeking a reliable option for larger expenses, such as home renovations or debt consolidation.

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Desjardins Personal Loan

Desjardins

Personal
APR 6.95–12.95%
Amount CA$500–CA$50k
Term 12–60 mo
Speed ⚡ 1-3 business days

Best for: This loan is best for current Desjardins members seeking flexible terms and personalized service, along with those who prefer a well-established institution.

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LendDirect Personal Loan

LendDirect

Personal
APR 19.9–46.93%
Amount CA$500–CA$25k
Term 6–60 mo
Speed ⚡ 15 minutes

Best for: This service is best for borrowers needing fast approvals and flexible eligibility criteria.

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Fora Credit Line of Credit

Fora Credit

Personal
APR 19.9–34.9%
Amount CA$1k–CA$15k
Term 12–100 mo
Speed ⚡ Same day

Best for: This product is best for individuals seeking quick access to funds with a straightforward online application process.

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RBC Royal Bank Personal Loan

RBC Royal Bank

Personal
APR 9.0–13.0%
Amount CA$5k–CA$50k
Term 12–60 mo
Speed ⚡ 1-3 business days

Best for: This loan is ideal for individuals with a high credit score looking for long-term financing options without the worry of early repayment fees.

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BMO Personal Loan

BMO

Personal
APR 8.99–22.99%
Amount CA$2k–CA$35k
Term 12–60 mo
Speed ⚡ Same day to 3 business days

Best for: This loan is ideal for high-credit borrowers looking for loans starting at $2,000 with long repayment terms.

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Scotiabank Personal Loan

Scotiabank

Personal
APR 6.0–10.0%
Amount CA$5k–CA$75k
Term 12–60 mo
Speed ⚡ 1-2 business days

Best for: Ideal for individuals with strong credit profiles looking for long-term borrowing solutions with flexible repayment options.

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Meridian Credit Union Personal Loan

Meridian Credit Union

Personal
APR 7.49–12.99%
Amount CA$1k–CA$50k
Term 12–60 mo
Speed ⚡ 1-3 business days

Best for: This loan is best for members of Meridian looking for flexible personal loan options with reasonable APRs and a commitment to customer service.

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