Compare personal loans

KOHO Credit Builder

KOHO Credit Building Account

KOHO offers a unique blend of credit-building features and user-friendly technology, making it a solid choice for Canadians looking to improve their credit scores.

0%–18.0% APR 0 4–12 months

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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Spring Financial Personal

Spring Financial Personal Loan

Spring Financial offers a quick and flexible personal loan option, especially beneficial for those needing fast funding and accommodating various credit levels.

9.99%–34.95% APR 300–35000 12–60 months

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

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Fora Credit Personal

Fora Credit Line of Credit

Fora offers a flexible line of credit that can quickly address your financial needs, but the interest rates are on the higher side.

19.9%–34.9% APR 1000–15000 12–100 months

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

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Fig Financial Personal

Fig Financial Personal Loan

Fig Financial offers competitive online personal loans with flexible terms, making them a viable option for those looking to build credit.

8.99%–29.49% APR 2000–35000 24–84 months

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

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Fairstone Personal

Fairstone Personal Loans

Fairstone offers a wide range of personal loans, making it accessible for many Canadians. However, the high APR rates could be a significant drawback for borrowers.

29.99%–34.99% APR 500–50000 6–120 months

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

Coast Capital Savings Personal Loan

Coast Capital Savings offers competitive personal loan rates with a member-focused approach. However, potential borrowers should carefully consider their financial situation before applying.

7.99%–14.99% APR 1000–50000 12–60 months

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

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Scotiabank Personal

Scotiabank Personal Loan

Scotiabank offers competitive personal loan rates for borrowers with good credit, making it a solid choice for those in need of financing.

6.0%–10.0% APR 5000–75000 12–60 months

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

Meridian Credit Union Personal Loan

Meridian Credit Union offers competitive personal loan rates with a member-first approach, making it a solid choice for Ontarians. However, potential borrowers should compare terms and conditions before committing.

7.49%–12.99% APR 1000–50000 12–60 months

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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National Bank of Canada Personal

National Bank Personal Loan

National Bank offers flexible personal loan options at competitive rates, especially for Quebec residents. However, potential borrowers should carefully evaluate their financial needs.

7.95%–14.95% APR 2000–50000 12–60 months

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

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Tangerine Line Of Credit

Tangerine Line of Credit

The Tangerine Line of Credit offers a competitive option for those seeking flexible borrowing without annual fees. Its fully online management makes it convenient for digital-savvy users.

7.45%–12.45% APR 1000–50000 12–60 months

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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LendDirect Personal

LendDirect Personal Loan

LendDirect is a viable option for Canadians seeking quick online personal loans, particularly for those with diverse credit histories.

19.9%–46.93% APR 500–25000 6–60 months

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

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RBC Royal Bank Personal

RBC Royal Bank Personal Loan

The RBC Royal Bank Personal Loan offers a competitive fixed rate with the flexibility of no prepayment penalties, making it a solid choice for borrowers seeking stability.

9.0%–13.0% APR 5000–50000 12–60 months

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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Desjardins Personal

Desjardins Personal Loan

Desjardins offers a solid option for personal loans with competitive rates and member-oriented service, making it a viable choice for many borrowers.

6.95%–12.95% APR 500–50000 12–60 months

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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TD Bank Personal

TD Bank Personal Loan

TD Bank offers a flexible personal loan with reasonable terms, ideal for those with good credit.

8.99%–23.99% APR 5000–50000 12–84 months

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

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Mogo Personal

Mogo Personal Loan

Mogo offers a convenient online personal loan solution, particularly for those needing quick access to funds without a credit score hit.

9.9%–46.96% APR 500–35000 6–60 months

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

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BMO Personal

BMO Personal Loan

The BMO Personal Loan offers a solid starting point for those seeking flexible financing options. However, it may not be the best choice for everyone.

8.99%–22.99% APR 2000–35000 12–60 months

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

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CIBC Personal

CIBC Unsecured Personal Loan Options

The CIBC Personal Loan offers flexible borrowing options with competitive rates, making it a solid choice for those with strong credit.

9.0%–10.0% APR 3000–200000 12–60 months

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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goPeer Personal

goPeer Personal Loan

goPeer offers a unique peer-to-peer lending experience that can provide competitive rates for borrowers and solid returns for investors, making it a noteworthy option in Canada's lending landscape.

8.99%–34.99% APR 1000–35000 36–60 months

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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