Scout Picks

Compare personal loans

We highlight the strongest rates, requirements, and timelines up front so you can compare faster.

Fast scan
Top options summarized in one view
Clear terms
Rates, fees, or fit signals are easy to spot
No fluff
Straight to the shortlist before deeper research

  1. Editor shortlists

    Low-friction personal loans

    01

    Compare lenders that keep eligibility checks light and turnaround times quick.

    Signal
    High
    Review
    Clear
    Speed
    Fast

  2. Flexible mid-range options

    02

    Useful when you want stronger detail and a bit more room to compare tradeoffs.

    Explore this group →

  3. Need a wider view?

    03

    Open the full results page to compare more providers, filters, and editorial notes.

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Recently added

Credit Builder

KOHO Credit Building Account

Rate
—
Amount
≤CA$10
Timing
—

KOHO is a Canadian fintech offering a spending account with credit-building features and a line of credit option, all through a modern app.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Spring Financial Personal Loan

Rate
9.99–34.95%
Amount
CA$300–CA$35k
Timing
—

Online lender serving all credit levels with same-day funding

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Credit Builder

Refresh Financial Credit Builder Loan

Rate
9.99–35.0%
Amount
CA$250–CA$50k
Timing
—

Canadian credit-building lender offering secured savings loans designed to help borrowers establish or rebuild their credit score

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

CIBC Unsecured Personal Loan Options

Rate
9.0–10.0%
Amount
CA$3k–CA$200k
Timing
—

CIBC unsecured personal loan up to $200,000 with fixed or variable rates

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Coast Capital Savings Personal Loan

Rate
7.99–14.99%
Amount
CA$1k–CA$50k
Timing
—

Coast Capital Savings is one of Canada's largest credit unions, serving BC and beyond with personal loans and a fee-free banking philosophy.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Fairstone Personal Loans

Rate
29.99–34.99%
Amount
CA$500–CA$60k
Timing
—

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.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

BMO Personal Loan

Rate
8.99–22.99%
Amount
CA$2k–CA$35k
Timing
—

BMO personal loan starting at $2,000 with flexible terms

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Desjardins Personal Loan

Rate
6.95–12.95%
Amount
CA$3k–CA$50k
Timing
—

Desjardins, Canada's largest federation of credit unions, offers personal loans with fixed and variable rates and member-focused service.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

National Bank Personal Loan

Rate
7.95–14.95%
Amount
CA$5k–CA$50k
Timing
—

National Bank of Canada offers personal loans with fixed and variable rate options. Competitive rates especially for Quebec-based customers.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Scotiabank Personal Loan

Rate
6.0–10.0%
Amount
CA$5k–CA$75k
Timing
—

Scotiabank personal loan with competitive rates for good credit borrowers

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Tangerine Line of Credit

Rate
7.45–12.45%
Amount
CA$1k–CA$50k
Timing
—

Tangerine, Scotiabank's digital-only subsidiary, offers a competitive unsecured line of credit with no annual fee and fully online management.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Fig Financial Personal Loan

Rate
8.99–29.49%
Amount
CA$2k–CA$35k
Timing
—

Online personal loans with competitive rates and terms up to 7 years

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Borrowell Loan Comparison

Rate
6.0–35.0%
Amount
CA$1k–CA$50k
Timing
—

Borrowell is a free Canadian fintech that helps you monitor your credit score and matches you with personalized loan offers from multiple lenders.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Fora Credit Line of Credit

Rate
19.9–34.9%
Amount
CA$1k–CA$15k
Timing
—

Revolving line of credit for ongoing borrowing needs

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

TD Bank Personal Loan

Rate
8.99–23.99%
Amount
CA$5k–CA$50k
Timing
—

TD personal loan with terms up to 7 years and amounts up to $50,000

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

LendDirect Personal Loan

Rate
19.9–46.93%
Amount
CA$500–CA$25k
Timing
—

LendDirect offers online personal loans to Canadians in select provinces, specializing in quick approvals for borrowers with varied credit profiles.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Meridian Credit Union Personal Loan

Rate
7.49–12.99%
Amount
CA$5k–CA$50k
Timing
—

Meridian is Ontario's largest credit union, offering personal loans with competitive rates and a member-first approach.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

Mogo Personal Loan

Rate
9.9–46.96%
Amount
CA$500–CA$35k
Timing
—

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.

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

goPeer Personal Loan

Rate
8.99–34.99%
Amount
CA$1k–CA$35k
Timing
—

Peer-to-peer lending platform connecting borrowers with individual investors

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

Personal

RBC Royal Bank Personal Loan

Rate
9.0–13.0%
Amount
CA$5k–CA$50k
Timing
—

RBC personal loan with fixed rates and no prepayment penalties

  • Review the key terms and eligibility notes before continuing
  • Open the detail page for the full breakdown

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