Loans Canada | Personal Loans And Bad Credit Loans

How It Works

3 Simple Steps

1 Select your service

Whether you need cash, want to get out of debt, find a broker or grow your business, we have a solution for you. Select the service you need to apply.

2 Submit your application

Submit your request with Loans Canada to start. Applying is fast, secure and easy. We only ask you the information required to find you the best possible offers.

3 Get Personalized Offers

Our technology automatically sorts through our provider network and connects you with the best products to help you reach your goals faster.

Top Editorial Picks

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Loans For Newcomers In Canada: Build Credit & Access Affordable Financing

By Lisa Rennie
Last Updated: March 6, 2025

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Can You Get Government Funding For An AZ License In Ontario?

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Who Can Be A Guarantor For A Loan?

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No Instant Bank Verification Loans In Canada

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No Employment Verification Loans In Canada: A Guide

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Can I Transfer My Car Loan To Someone Else?

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Loan Options While Receiving The Canada Child Tax Benefit

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Nyble vs. Bree: Which One Is Better?

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Chexy Review: Pay Your Rent With A Credit Card

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Credit Score Range In Canada: What It Really Means

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What Is A CPC/ SCP Charge On A Credit Card?

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Is Being In The 800 Credit Score Club Really That Important?

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How To Rent An Apartment With Bad Credit

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Buying A House In Canada With Bad Credit In 2026

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Which Credit Bureau Do Lenders Check in Canada?

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Average Debt By Age In Canada: Mortgages, Consumer & Student Loans

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What Happens To Credit Card Debt After Death In Canada?

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What Happens To Bank Accounts After Death In Canada?

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Does Paying Off Collections Improve Credit Score In Canada?

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Are There Federal Government Debt Relief Programs?

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What Is Debt Forgiveness In Canada?

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Home Foreclosures: How Does It Work In Canada?

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Rules For Buying A Second Home And Renting Out The First In Canada

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Can You Pay Your Mortgage With A Credit Card?

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Can You Use Rental Income To Qualify For A Mortgage In Canada?

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Down Payment Assistance Programs In Canada

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Minimum Credit Score For A Mortgage In Canada (2026)

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How Much Does A $300,000 Mortgage Cost In Canada?

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Kikoff Review – Credit Building Plaform Now Available In Canada

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Neo Mastercard® | Neo Financial Credit Card Review

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Secured Neo Mastercard Review 2026

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Tangerine Savings Account Review

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Tangerine Money-Back Credit Card Review 2026

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KOHO Credit Building Review 2026

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Old Age Security (OAS) Payment Dates And Amounts In 2026

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Alberta Child And Family Benefit (ACFB) Payment Dates 2026

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SIS Payment Dates 2026

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Canada Fed Deposit: Payment Dates And Eligibility 2026

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Canada PRO Deposit Dates And Amounts 2026

By Lisa Rennie
Last Updated: June 15, 2026

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Canada Child Benefit (CCB) Payment Dates 2026

By Priyanka Correia, BComm
Last Updated: June 8, 2026

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Ontario Works Payment Dates 2026

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A Team of Experts

Scott Satov

President

Scott brings a rare combination of credentials and real-world experience to Loans Canada. A CA and CFA, he was a founder of VersaPay, the payments technology company now listed on the TSX. Scott has also worked directly in the trenches as a mortgage broker, giving him a practical understanding of what borrowers face and what lenders require. He's deeply passionate about finance and mortgage lending, and focused on helping Canadians navigate borrowing with clarity and confidence.

Cris Ravazzano

Head of Technology & Marketing

Cris has spent 15 years in Canadian lending and has helped connect millions of Canadians to lenders. He knows the application process inside and out — how credit reports are read, what qualification criteria actually matter, and the underwriting signals that tip a file from decline to approval. He also helped build a free credit score platform so Canadians can see exactly where they stand before they apply, and walk into the process with a real shot at getting approved.

Caitlin Wood

Chief Editor | Consumer Finance Expert

Caitlin Wood [BA Concordia] is the lead content specialist at Loans Canada, with over 10 years of experience in digital publishing and personal finance content. She manages the creation of clear, accurate, and practical content to help Canadians make informed decisions on loans, credit, debt, and personal finance. A published writer, Caitlin simplifies complex topics while ensuring content reflects responsible lending and high editorial standards, supporting Loan Canada’s mission to empower readers.

Priyanka Correia

Associate Editor | Consumer Finance Expert

Priyanka, a senior member of the Loans Canada team, is a personal finance expert in debt management, credit strategy, and financial literacy. With years of experience and a BA in business, she applies her knowledge to provide practical guidance on financial challenges Canadians face. Passionate about accessible financial knowledge, she continually expands her expertise and simplifies complex topics into actionable strategies, helping Canadians feel informed and confident.

Meet the Team Behind Loans Canada

Latest From The Experts

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Payday Loan Cost Calculator: Canada 2026

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Alberta Minimum Wage In 2026

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British Columbia (BC) Minimum Wage In 2026

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Last Updated: June 16, 2026

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By Caitlin Wood, BA
Last Updated: June 15, 2026

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Ontario Disability Support Program (ODSP) Payment Dates 2026

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Last Updated: June 11, 2026

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Earn Cash Weekly With Freecash

Freecash is an app that lets you earn money by playing games, trying new apps, or completing surveys, all from the comfort of your home.

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.

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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.

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Access up to $750

Bree lets you access up to $750 (no interest) to help cover overdraft fees or unexpected expenses.

Calculator Directory

Loan Calculator

Use our loan calculator tool to estimate your monthly payment amount using different rates and loan terms.

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Car Loan Calculator

Use our car loan calculator tool to estimate monthly car payments using different rates and variables.

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Mortgage Calculator

Interested in buying a new home? Use our mortgage loan calculator tool to estimate monthly payments using different rates and loan terms.

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Rent vs. Own Calculator

Don't know whether you should buy or rent your next home? Check out this calculator to help make your decision easier.

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Reward Calculators

Use our reward calculators to see how much your credit card reward points are worth, and maximize the value of your credit cards.

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Payday Loan Cost Calculator

See the real cost of payday loans before you borrow. Calculate the total fees and interest based on your loan amount and term.

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DTI Ratio Calculator

Calculate your debt-to-income ratio to see how lenders view your finances. This key number affects your ability to qualify for loans.

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Take-Home Pay Calculator

Find out how much you'll actually take home after taxes and deductions. Get accurate net pay estimates for any province in Canada.

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Frequently Asked Questions

Why should I trust Loans Canada?

Launched in 2012, Loans Canada is Canada's original and most trusted loan comparison platform. Millions of Canadians use Loans Canada each year to learn about lenders, credit or to apply for loans and other financial services. We have worked hard to build relationships with Canada's best financial institutions to simplify the borrowing experience for all Canadians.

Today, we operate the largest lender network and most comprehensive credit learning portal in Canada. Since our launch, we have been featured on television, radio, magazines and newspapers, and on large media outlets such as CBC News, The National Post, The Financial Post, and The Toronto Star. Visit this page to see some of our media features or this page to learn more about our story.

Why should I apply with Loans Canada instead of with a lender directly?

In short, you'll save time and probably a lot of money! It's important to compare different options instead of going with the first one you find. If you apply with one lender and get rejected, you'll have to restart the process with another lender. Loans Canada simplifies this process with a single, unified application that connects you to the best loan offers.

Can I apply even if I have bad credit?

Yes! We know that many Canadians face challenges in qualifying for loans and other services due to their credit score. However that does not mean no solutions exist. In fact, our platform enables Canadians to qualify for any loan regardless of their credit score.

What is the interest rate of a bad credit loan?

It depends on your financial profile and varies on a lender by lender basis. Some lenders don't even look at your credit score and look at other factors, such as income and employment, before making their approval decision. Usually the cost of a loan is associated with the level of risk associated with the borrower, and that depends on multiple factors.

Are your services really free?

Yes! All of our resources and services are 100% free to use. We earn a small fee from financial service providers only when a user uses our platform to find a solution. That's why it's in our best interest to connect you, the user, with the best possible solution each and every time.

Compare The Best Loan Rates With Loans Canada

Personal Loans From Canada's Top Lenders

1 Select your service

2 Submit your application

3 Get Personalized Offers

Largest Lender Network In Canada

Top Editorial Picks

A Team of Experts

Scott Satov

President

Cris Ravazzano

Head of Technology & Marketing

Caitlin Wood

Chief Editor | Consumer Finance Expert

Priyanka Correia

Associate Editor | Consumer Finance Expert

Latest From The Experts

More From Our Team

Special Offers

Earn Cash Weekly With Freecash

The Foundation by Spring Financial

Build Credit With Kikoff

Access up to $750

Loans Canada Spotlight

Testimonials

Calculator Directory

Loan Calculator

Car Loan Calculator

Mortgage Calculator

Rent vs. Own Calculator

Reward Calculators

Payday Loan Cost Calculator

DTI Ratio Calculator

Take-Home Pay Calculator

Why choose Loans Canada?

Frequently Asked Questions

Why should I trust Loans Canada?

Why should I apply with Loans Canada instead of with a lender directly?

Can I apply even if I have bad credit?

What is the interest rate of a bad credit loan?

Are your services really free?

Free Credit Score

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