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.
96 loans
Installment Loans in Saskatchewan
Saskatchewan's FCAA enforces disclosure under the Consumer Protection and Business Practices Act.
Title Loans
Borrowing against a vehicle you already own outright, secured by its title and regulated as high-cost credit.
Emergency Loans
Financing for an urgent repair, medical cost, or income gap, priced from 25% to 35% APR on weaker files.
Emergency Loans in Alberta
Alberta lets you prepay a non-mortgage loan at any time without penalty under Section 68.
Emergency Loans in British Columbia
The BPCPA requires a BC lender to disclose the full cost of credit before you sign anything.
Emergency Loans in Manitoba
Manitoba's Consumer Protection Office sits inside the Department of Justice and licenses lenders.
Emergency Loans in New Brunswick
FCNB limits each New Brunswick payday loan to 30% of your net pay, to a $1,500 maximum.
Emergency Loans in Nova Scotia
Nova Scotia raised income assistance rates 1.6% in January 2026, after 3.1% the year before.
Emergency Loans in Ontario
Ontario gives you a two-business-day window to cancel a payday loan at no cost or penalty.
Emergency Loans in Quebec
Quebec has no legal payday lending, so urgent borrowing runs through OPC-permitted lenders instead.
Emergency Loans in Saskatchewan
Federal rules cap payday cost at $14 per $100, so longer-term credit under 35% APR costs far less.
Construction Loans
Draw-based financing released in stages as a build progresses, with an inspection before each advance.