Loan Guides
These guides explain how a type of loan works in Canada: who it is for, what it can cost and what to compare before signing. Search by name, or narrow the list with the filters.
Sphera Credit is a technology and marketing platform and is not involved in any lending or brokering activity of any kind. We do not assess creditworthiness, originate loans, or take part in any lender's decision.
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Debt Consolidation Loans in Manitoba
Manitoba's Consumer Protection Act sets the disclosure you receive before balances are combined.
Debt Consolidation Loans in New Brunswick
New Brunswick's Cost of Credit Disclosure Act governs what a lender must show you before you consolidate.
Debt Consolidation Loans in Nova Scotia
Nova Scotia's Consumer Protection Act applies alongside the federal 35% APR cap on consolidated balances.
Debt Consolidation Loans in Quebec
Quebec's OPC can investigate complaints, levy penalties, and revoke a lender's permit outright.
Debt Consolidation Loans in Saskatchewan
Saskatchewan consolidation generally runs 7% to 20% APR against the 19.99% to 29.99% cards charge.
No Credit Check Loans
Lenders that verify income and banking activity in place of a bureau pull, at correspondingly higher rates.
Payday Loan Alternatives
Short-term high-cost credit governed province by province, capped at $14 per $100 borrowed by federal rules.
Instant Loans
Online personal loans underwritten from income and banking data, bound by the federal 35% APR ceiling.
Instant Loans in Alberta
Alberta charges no PST, and lenders at 32% APR or more hold a High-Cost Credit licence.
Instant Loans in British Columbia
BC sets the age of majority at 19, so a borrower must be 19 to sign a binding loan agreement.
Instant Loans in Manitoba
Manitoba gives you 48 hours to cancel a high-cost credit agreement with no fee charged.
Instant Loans in New Brunswick
New Brunswick ties payday cost to the federal cap of $14 per $100, roughly 365% APR over fourteen days.