Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

CA$1,000 CA$100,000

Loan purpose

Personal Debt Home Auto Student Business

Compare rates from trusted lenders

Side-by-side rate comparison across verified lending partners — find the lowest APR for your profile.

No impact on your credit score

Pre-qualification uses a soft pull only. Your credit score stays intact while you browse rates.

Expert-reviewed loan guides

Our editorial team publishes research-backed guides on every loan type, updated regularly.

Transparent terms, no hidden fees

We surface the full cost — APR, origination fees, penalties — so you borrow with confidence.

Trusted by borrowers across 24+ markets

Updated daily · Free to use · No obligation

Recently added

KOHO

KOHO Credit Building Account
This service is best for individuals who are new to credit or those looking to rebuild their credit history through responsible spending.
APR Amount Term
0.0% CA$10 12 mo
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.
Spring Financial

Spring Financial Personal Loan
This service is ideal for individuals looking to build their credit while accessing loan amounts between $500 and $35,000 with fast funding.
APR Amount Term
9.99% CA$35,000 60 mo
Spring Financial offers a quick and flexible personal loan option, especially beneficial for those needing fast funding and accommodating various credit levels.
TD Bank

TD Bank Personal Loan
This loan is best for individuals seeking a reliable option for larger expenses, such as home renovations or debt consolidation.
APR Amount Term
8.99% CA$50,000 84 mo
TD Bank offers a flexible personal loan with reasonable terms, ideal for those with good credit.
Fairstone

Fairstone Personal Loans
Best for those who need quick access to unsecured funds and prefer both online and in-branch support.
APR Amount Term
29.99% CA$50,000 120 mo
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.
RBC Royal Bank

RBC Royal Bank Personal Loan
This loan is ideal for individuals with a high credit score looking for long-term financing options without the worry of early repayment fees.
APR Amount Term
9.0% CA$50,000 60 mo
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.
Fora Credit

Fora Credit Line of Credit
This product is best for individuals seeking quick access to funds with a straightforward online application process.
APR Amount Term
19.9% CA$15,000 100 mo
Fora offers a flexible line of credit that can quickly address your financial needs, but the interest rates are on the higher side.
BMO

BMO Personal Loan
This loan is ideal for high-credit borrowers looking for loans starting at $2,000 with long repayment terms.
APR Amount Term
8.99% CA$35,000 60 mo
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.
Fig Financial

Fig Financial Personal Loan
This loan is best for individuals with a building credit tier seeking longer loan terms of up to seven years.
APR Amount Term
8.99% CA$35,000 84 mo
Fig Financial offers competitive online personal loans with flexible terms, making them a viable option for those looking to build credit.
Mogo

Mogo Personal Loan
This loan is best for Canadians seeking short-term financing with a straightforward online application process and quick approvals.
APR Amount Term
9.9% CA$35,000 60 mo
Mogo offers a convenient online personal loan solution, particularly for those needing quick access to funds without a credit score hit.
goPeer

goPeer Personal Loan
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.
APR Amount Term
8.99% CA$35,000 60 mo
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.
Meridian Credit Union

Meridian Credit Union Personal Loan
This loan is best for members of Meridian looking for flexible personal loan options with reasonable APRs and a commitment to customer service.
APR Amount Term
7.49% CA$50,000 60 mo
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.
Tangerine

Tangerine Line of Credit
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.
APR Amount Term
7.45% CA$50,000 60 mo
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.
National Bank of Canada

National Bank Personal Loan
This loan is best for Quebec-based customers looking for personalized loan options with both fixed and variable rates.
APR Amount Term
7.95% CA$50,000 60 mo
National Bank offers flexible personal loan options at competitive rates, especially for Quebec residents. However, potential borrowers should carefully evaluate their financial needs.
Coast Capital Savings

Coast Capital Savings Personal Loan
This loan is ideal for individuals in British Columbia seeking a flexible, fee-free banking experience.
APR Amount Term
7.99% CA$50,000 60 mo
Coast Capital Savings offers competitive personal loan rates with a member-focused approach. However, potential borrowers should carefully consider their financial situation before applying.
CIBC

CIBC Unsecured Personal Loan Options
This loan is best for individuals looking to consolidate debt or finance significant purchases without collateral, thanks to its high limit and varied terms.
APR Amount Term
9.0% CA$200,000 60 mo
The CIBC Personal Loan offers flexible borrowing options with competitive rates, making it a solid choice for those with strong credit.
Scotiabank

Scotiabank Personal Loan
Ideal for individuals with strong credit profiles looking for long-term borrowing solutions with flexible repayment options.
APR Amount Term
6.0% CA$75,000 60 mo
Scotiabank offers competitive personal loan rates for borrowers with good credit, making it a solid choice for those in need of financing.
Desjardins

Desjardins Personal Loan
This loan is best for current Desjardins members seeking flexible terms and personalized service, along with those who prefer a well-established institution.
APR Amount Term
6.95% CA$50,000 60 mo
Desjardins offers a solid option for personal loans with competitive rates and member-oriented service, making it a viable choice for many borrowers.
LendDirect

LendDirect Personal Loan
This service is best for borrowers needing fast approvals and flexible eligibility criteria.
APR Amount Term
19.9% CA$25,000 60 mo
LendDirect is a viable option for Canadians seeking quick online personal loans, particularly for those with diverse credit histories.