Find the right loan

Unsecured financing from Canadian lenders for consolidation, a home project, or an unexpected bill.

Financing for new and used vehicles from dealers and private sellers, priced by credit tier and term.

Working capital, equipment, and expansion financing for Canadian small and medium businesses.

BC payday lending sits under the BPCPA, where installment credit below 35% APR is the cheaper route.

Ontario caps payday cost at $14 per $100 and sets a 42-day minimum term under the Payday Loans Act, 2008.

Ontario licenses alternative lenders through FSRA for borrowers whose scores sit below 600.

Alberta licenses high-cost lenders from 32% APR up, under a regulation in force since January 2019.

In BC, any lender charging above 32% APR must hold a Consumer Protection BC licence under Part 6.3 of the BPCPA.

Manitoba unsecured amounts run $500 to $25,000, on terms from six months to five years.

New Brunswick's FCNB licenses every lender location and website operating in the province.

Nova Scotia holds weaker-file borrowing under the 35% APR ceiling that took effect in January 2025.

Quebec requires every consumer lender to hold an OPC permit before it can extend you credit.