Compare Loan Providers
Compare interest rates, loan amounts, and processing times from Canadian lenders.
Interest Rate
5.6% – 29.19%
Loan Amount
$1,000 –
$50,000
Term
0 – 5 yrs
Example
$358/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $358. Total cost $12,888. Effective APR 35.0 %.
About Borrowell
Borrowell connects Canadians with personalized loan offers from top lenders. Free credit score monitoring included. No impact on your credit score when checking rates.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
6.99% – 46.96%
Loan Amount
$500 –
$50,000
Term
0 – 5 yrs
Example
$408/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $408. Total cost $14,688. Effective APR 56.4 %.
About Loans Canada
Loans Canada is a loan comparison platform that matches you with lenders based on your profile. Free service with a wide network of licensed Canadian lenders.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
19.99% – 39.99%
Loan Amount
$500 –
$35,000
Term
0 – 5 yrs
Example
$424/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $424. Total cost $15,264. Effective APR 48.0 %.
About Fairstone
Fairstone is one of Canada's largest non-bank lenders with 240+ branches. Offers secured and unsecured personal loans with flexible repayment options.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
6.99% – 46.96%
Loan Amount
$500 –
$50,000
Term
0 – 5 yrs
Example
$408/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $408. Total cost $14,688. Effective APR 56.4 %.
About LoanConnect
LoanConnect matches Canadians with the right lender for their needs. Comparison service with access to banks, credit unions, and alternative lenders across Canada.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
9.99% – 46.96%
Loan Amount
$500 –
$35,000
Term
0 – 5 yrs
Example
$416/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $416. Total cost $14,976. Effective APR 56.4 %.
About Spring Financial
Spring Financial specializes in helping Canadians build or rebuild credit. Offers personal loans with a credit-building program included at no extra cost.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
9.9% – 46.96%
Loan Amount
$300 –
$35,000
Term
0 – 5 yrs
Example
$416/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $416. Total cost $14,976. Effective APR 56.4 %.
About Mogo
Mogo offers personal loans and a digital lending platform for Canadians. Also provides free credit score monitoring and identity fraud protection.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
19.99% – 46.96%
Loan Amount
$500 –
$75,000
Term
0 – 10 yrs
Example
$444/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $444. Total cost $15,984. Effective APR 56.4 %.
About easyfinancial
easyfinancial provides personal loans to Canadians who may not qualify at traditional banks. Part of goeasy Ltd., a publicly traded company on the TSX.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
7.99% – 29.99%
Loan Amount
$5,000 –
$50,000
Term
1 – 5 yrs
Example
$367/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $367. Total cost $13,212. Effective APR 36.0 %.
About Symple Lending
Symple Lending is a Canadian online lender offering competitive personal loan rates. Simple application process with quick funding for qualified borrowers.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
19.99% – 29.99%
Loan Amount
$1,500 –
$25,000
Term
1 – 5 yrs
Example
$398/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $398. Total cost $14,328. Effective APR 36.0 %.
About Refresh Financial
Refresh Financial helps Canadians build or rebuild their credit through secured savings loans and credit-building programs. A trusted option for improving your credit profile.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
Interest Rate
19.99% – 46.96%
Loan Amount
$500 –
$15,000
Term
0 – 3 yrs
Example
$444/mo
($10,000)
Example: $10,000 loan for 36 months. Monthly payment $444. Total cost $15,984. Effective APR 56.4 %.
About Fora Credit
Fora Credit (formerly Cash Money) offers open-end lines of credit up to $15,000 for Canadians. Quick approval process with flexible repayment options.
Borrowing costs money!
If you cannot repay on time, you risk a default mark on your credit record. This may make it harder to rent housing or obtain future credit. Seek advice from a not-for-profit credit counsellor.
Requirements
Key Features
How it works
Answer a few questions, compare offers, and choose the lender that fits — all without affecting your credit score.
Tell us about your loan
Choose the amount and term you need and share a few basic details.
Compare offers side‑by‑side
See APR, monthly payment, and total cost from multiple lenders in one view.
Apply with your chosen lender
Continue securely to the lender to complete your application on their website.
Loan Calculator – Find Your Best Rate
Use this calculator to estimate your monthly payments and total borrowing costs before you apply.
Estimated monthly payment
$222
per month
$13,347
Total to be repaid
$3,347
Total interest cost
This is an estimate only. Actual APR and costs depend on your credit profile and the chosen lender.
Compare Rates
See actual APR ranges from multiple lenders before applying.
Save Time
Compare multiple lenders in minutes instead of hours of research.
Smart Tips
Get insights on how to improve your loan terms and reduce costs.
Why use onetononline.site?
We make it easy to find the right loan by comparing licensed Canadian lenders side‑by‑side.
Fast Comparison
Compare dozens of lenders instantly without filling out multiple applications.
Save Money
Find lower rates by seeing all options side‑by‑side — even a 1% difference adds up.
Secure & Private
Your data is encrypted and we never share your personal information with third parties.
24/7 Available
Compare loans any time of day — our comparison service is always on.
No Credit Impact
Comparing loans on our platform does not affect your credit score.
Licensed Lenders Only
Every lender listed is federally or provincially licensed to operate in Canada.
Consider carefully whether you need a loan and whether you can repay it.
Understand Your Borrowing Costs
Before you borrow, make sure you understand the full cost of a loan including fees, interest, and repayment schedule.
Interest Rate (APR)
The annual percentage rate determines how much interest you pay over the life of the loan.
Total Loan Cost
The sum of principal, interest, and any fees. Always compare the total, not just the monthly payment.
Fees & Charges
Origination fees, NSF fees, and prepayment penalties can add hundreds to your total cost.
Repayment Period
Longer terms mean lower monthly payments but higher total interest paid.
Representative Example
Loan Amount
$10,000
Loan Term
5 years
APR
12.9%
Total Repayment
$13,668
This is an illustrative example only. Actual rates and terms depend on each lender's individual assessment.
Frequently Asked Questions
Find answers to the most common questions about personal loans in Canada.
Didn't find your answer? Contact us — we are happy to help.