One application. 9 lenders.
Apply Now One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
Nine in our network, and every one of them lends online. Amounts run from $15 to $35,000. Rates start at 0% on the smallest advances and stop at the 35% federal cap. Six lenders pay out within 24 hours, and three within the hour.
| Lenders | |
|---|---|
| Serve the territory online | 9 |
| Pay out within the hour | 3 |
| Pay out within 24 hours | 6 |
| Consider a score under 560 | 8 |
| Set no minimum score | 3 |
| Lowest income minimum | $1,000 a month |
| Highest income minimum | $2,000 a month |
Published lender terms, checked August 2026.
You apply once. Our application goes to the lender most likely to approve the amount and purpose you enter. The money arrives by deposit, so nobody needs to visit a branch in Yellowknife or anywhere else.
Rarely. Eight of the nine lenders consider a score under 560, and three set no minimum at all. Only one of the nine asks for a fair score.
Income is the usual test instead. Minimums run from $1,000 to $2,000 a month. One of the nine accepts disability or pension income.
Outside business hours, about two in three times. Requests from the Northwest Territories reach us in the evening, overnight or at the weekend more often than not. The territory sends us too few personal loan applications for us to publish averages, so we show the timing and leave the amounts out.
Federal ones. The Criminal Code caps the annual rate on any loan at 35%. A payday loan, $1,500 or less for 62 days or less, is priced separately, and federal regulation limits its cost to 14% of the amount advanced. Compare the two in dollars over the whole term, not by the rate alone.
Every personal lender we work with is on the personal loans in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 8 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
Nine lenders in our network serve the territory online, lending $15 to $35,000. Six pay out within 24 hours.
Yes. Eight of the nine lenders consider a score under 560, and three set no minimum score at all.
No. Every one of the nine lenders takes the application online and pays out by deposit, wherever in the territory you live.
Lenders ask for $1,000 to $2,000 a month, depending on the lender, and want to see it arriving regularly.
They mostly apply outside business hours. About two in three requests from the Northwest Territories in the first half of 2026 arrived in the evening, overnight or at the weekend.
