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Manitoba's Consumer Protection Act sets the disclosure you receive before balances are combined.
New Brunswick's Cost of Credit Disclosure Act governs what a lender must show you before you consolidate.
Nova Scotia's Consumer Protection Act applies alongside the federal 35% APR cap on consolidated balances.
Quebec's OPC can investigate complaints, levy penalties, and revoke a lender's permit outright.
Saskatchewan consolidation generally runs 7% to 20% APR against the 19.99% to 29.99% cards charge.
Lenders that verify income and banking activity in place of a bureau pull, at correspondingly higher rates.
Short-term high-cost credit governed province by province, capped between $14 and $17 per $100 borrowed.
Online personal loans underwritten from income and banking data, bound by the federal 35% APR ceiling.
Alberta charges no PST, and lenders at 32% APR or more hold a High-Cost Credit licence.
BC sets the age of majority at 19, so a borrower must be 19 to sign a binding loan agreement.
Manitoba gives you 48 hours to cancel a high-cost credit agreement with no fee charged.
FCNB caps New Brunswick payday cost at $15 per $100, roughly 392% APR over fourteen days.