Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
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Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
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Flexible mid-range options
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Recently added
- Rate
- —
- Amount
- Up to CA$10
- Timing
- Instant approval
KOHO is a Canadian fintech offering a spending account with credit-building features and a line of credit option, all through a modern app.
- Canadian resident
- 18+ years old
- Active bank account
- Rate
- 29.99–34.99%
- Amount
- CA$500–CA$50k
- Timing
- Same day
Fairstone is one of Canada's largest non-bank lenders, offering unsecured personal loans from $500 to $60,000 with both in-branch and online service.
- Canadian resident
- 18+ years old
- Proof of income
- Rate
- 9.99–34.95%
- Amount
- CA$300–CA$35k
- Timing
- Same day
Online lender serving all credit levels with fast funding
- Canadian resident
- 18+ years old
- Active bank account
- Rate
- 8.99–34.99%
- Amount
- CA$1k–CA$35k
- Timing
- 3-5 business days
Peer-to-peer lending platform connecting borrowers with individual investors
- Canadian resident
- Credit score 600+
- Active bank account
- Rate
- 9.9–46.96%
- Amount
- CA$500–CA$35k
- Timing
- Minutes (online)
Mogo offers short-term personal loans up to $35,000 with a fully online application process. Known for quick approvals and no impact on credit score for rate checks.
- Canadian resident
- 19+ years old
- Active bank account
- Rate
- 7.49–12.99%
- Amount
- CA$1k–CA$50k
- Timing
- 1-3 business days
Meridian is Ontario's largest credit union, offering personal loans with competitive rates and a member-first approach.
- Ontario resident (member)
- Good credit score
- Proof of income
- Rate
- 8.99–22.99%
- Amount
- CA$2k–CA$35k
- Timing
- Same day to 3 business days
BMO personal loan starting at $2,000 with flexible terms
- Canadian resident
- 18+ years old
- Good credit history
- Rate
- 19.9–34.9%
- Amount
- CA$1k–CA$15k
- Timing
- Same day
Revolving line of credit for ongoing borrowing needs
- Canadian resident
- 18+ years old
- Active bank account
- Rate
- 7.95–14.95%
- Amount
- CA$2k–CA$50k
- Timing
- 1-3 business days
National Bank of Canada offers personal loans with fixed and variable rate options. Competitive rates especially for Quebec-based customers.
- Canadian resident
- Good credit score
- Proof of income
- Rate
- 7.99–14.99%
- Amount
- CA$1k–CA$50k
- Timing
- 1-3 business days
Coast Capital Savings is one of Canada's largest credit unions, serving BC and beyond with personal loans and a fee-free banking philosophy.
- Coast Capital member
- Canadian resident
- Good credit score
- Rate
- 8.99–23.99%
- Amount
- CA$5k–CA$50k
- Timing
- Same day to 2 business days
TD personal loan with terms up to 7 years and amounts up to $50,000
- Canadian resident
- Good credit history
- Regular income
- Rate
- 8.99–29.49%
- Amount
- CA$2k–CA$35k
- Timing
- 1-2 business days
Online personal loans with competitive rates and terms up to 7 years
- Canadian resident
- 18+ years old
- Active bank account
- Rate
- 19.9–46.93%
- Amount
- CA$500–CA$25k
- Timing
- 15 minutes
LendDirect offers online personal loans to Canadians in select provinces, specializing in quick approvals for borrowers with varied credit profiles.
- Canadian resident
- 18+ years old
- Active bank account
- Rate
- 6.95–12.95%
- Amount
- CA$500–CA$50k
- Timing
- 1-3 business days
Desjardins, Canada's largest federation of credit unions, offers personal loans with fixed and variable rates and member-focused service.
- Desjardins member
- Canadian resident
- Good credit history
- Rate
- 6.0–10.0%
- Amount
- CA$5k–CA$75k
- Timing
- 1-2 business days
Scotiabank personal loan with competitive rates for good credit borrowers
- Canadian resident
- Good credit score
- Proof of income
- Rate
- 7.45–12.45%
- Amount
- CA$1k–CA$50k
- Timing
- 1-3 business days
Tangerine, Scotiabank's digital-only subsidiary, offers a competitive unsecured line of credit with no annual fee and fully online management.
- Canadian resident
- Tangerine client or new applicant
- Good credit history
- Rate
- 9.0–10.0%
- Amount
- CA$3k–CA$200k
- Timing
- 1-3 business days
CIBC unsecured personal loan up to $200,000 with fixed or variable rates
- Canadian resident
- Minimum annual income $17,000 gross
- Good credit score
- Rate
- 9.0–13.0%
- Amount
- CA$5k–CA$50k
- Timing
- 1-3 business days
RBC personal loan with fixed rates and no prepayment penalties
- Canadian resident
- Good credit score
- Steady income