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Find any loan, for any purpose

AMOUNT
$500 - $150,000
INTEREST RATE
9.99% - 34.99%
TERMS
9 - 240 months
AMOUNT
$500 - $25,000
INTEREST RATE
34.56% - 34.95%
TERMS
6 - 84 Months
AMOUNT
$300 - $35,000
INTEREST RATE
9.99% - 34.95%
TERMS
9 - 84 Months
AMOUNT
Up to $20,000
INTEREST RATE
19.8% - 34.99%
TERMS
36 months
AMOUNT
$50K - $10M
INTEREST RATE
From 4.09%
TERMS
6 - 60 Months
AMOUNT
$15K - $10M
INTEREST RATE
6% - 16%
TERMS
1 - 5 Years
AMOUNT
$20K - $10M
INTEREST RATE
Varies
TERMS
6 Months - 5 Years
AMOUNT
$1,000 - $5,000
INTEREST RATE
19.9% - 34.5%
TERMS
12 - 36 months
AMOUNT
$500 - $1,000
INTEREST RATE
Varies
TERMS
3 - 6 months
AMOUNT
$1,000 - $50,000
INTEREST RATE
Starting at 7.5%
TERMS
6 - 72 Months
AMOUNT
$20-$350
INTEREST RATE
0%
TERMS
N/A
AMOUNT
$1,000 – $15,000
INTEREST RATE
19.9% - 34.9%
TERMS
Line of Credit
AMOUNT
$100 - $1,500
INTEREST RATE
Varies
TERMS
2 months
AMOUNT
$5,000+
INTEREST RATE
Varies
TERMS
12 - 120 Months
AMOUNT
$10K - $10M
INTEREST RATE
Varies (Home Equity Loans)
TERMS
12 Months
AMOUNT
$7.5K - $55K
INTEREST RATE
2.95% - 29.95%
TERMS
12 - 96 Months
AMOUNT
$15,000 and up
INTEREST RATE
5.5% - 14%
TERMS
12-84 months
AMOUNT
$20K - $100M
INTEREST RATE
Varies
TERMS
12 - 60 Months
AMOUNT
$3,000 - $75,000
INTEREST RATE
8.99% - 29.9%
TERMS
12 months to 180 months
AMOUNT
$20K - $2M (Reverse Mortgage)
INTEREST RATE
4 - 5% (Ages 55+ only)
TERMS
Lifetime (Must be 55+ to qualify)
AMOUNT
$150-$1000
INTEREST RATE
30.4% APR
TERMS
30 Days
AMOUNT
$500 - $15,000
INTEREST RATE
34.37%
TERMS
12 - 60 Months
AMOUNT
$500 - $2,500
INTEREST RATE
18.99%
TERMS
Variable
AMOUNT
$5K - $500k
INTEREST RATE
Varies
TERMS
6 -12 Months
AMOUNT
$50K - $10M
INTEREST RATE
From 5.44%
TERMS
5 Years
AMOUNT
$100 - $1,500
INTEREST RATE
Varies
TERMS
2 months
AMOUNT
$500 - $300K
INTEREST RATE
From 8.39%
TERMS
2 - 24 Months
AMOUNT
$10K - $1.5M
INTEREST RATE
From 7.99%
TERMS
3 - 24 Months
AMOUNT
$50K - $100M
INTEREST RATE
From 4.09%
TERMS
6 Months - 10 Years
AMOUNT
$5K - $500K
INTEREST RATE
Varies
TERMS
4 - 12 Months
AMOUNT
Up to $50K
INTEREST RATE
Varies
TERMS
Varies
AMOUNT
$10K - $75K
INTEREST RATE
Varies
TERMS
12 - 96 Months
AMOUNT
$5K - $300K
INTEREST RATE
From 7.99%
TERMS
Fixed, 4 - 18 Months
AMOUNT
$15K - $1M
INTEREST RATE
From 8%
TERMS
3 - 24 Months
AMOUNT
$5K - $500K
INTEREST RATE
From 9.99%
TERMS
2 - 24 Months
AMOUNT
$5K - $800K
INTEREST RATE
From 7.99%
TERMS
6 - 24 Months
AMOUNT
$5,000 - $5 Million
INTEREST RATE
Varies
TERMS
12 months
AMOUNT
$5K - $500K
INTEREST RATE
From 7.99%
TERMS
6 - 24 Months
AMOUNT
$5K - $2M
INTEREST RATE
From 7.99%
TERMS
2 - 36 Months
AMOUNT
$2.5K - $1M
INTEREST RATE
From 7.5%
TERMS
3 - 72 Months
AMOUNT
$5K - $50M
INTEREST RATE
From 7%
TERMS
5 - 96 Months
AMOUNT
$300 – $1,500
INTEREST RATE
$14 per every $100 lent
TERMS
Up to 2 Months
AMOUNT
$300 - $20,000
INTEREST RATE
Varies
TERMS
12 - 60 Months
AMOUNT
$1,500 to $10,000
INTEREST RATE
Varies
TERMS
12 - 60 months
AMOUNT
$100 - $1,500
INTEREST RATE
Varies
TERMS
Up to 2 months
AMOUNT
$3K - $5M
INTEREST RATE
From 13.99%
TERMS
1 - 60 Months
AMOUNT
$5K - $300K
INTEREST RATE
From 7.99%
TERMS
3 - 12 Months
AMOUNT
$100 - $15,000
INTEREST RATE
34.37%
TERMS
9 - 60 Months
AMOUNT
$120 - $1,500
INTEREST RATE
Varies
TERMS
12 - 60 Months
AMOUNT
$500 - $50,000
INTEREST RATE
19.99% - 39.99%
TERMS
6 - 120 Months
AMOUNT
$500 - $1,000
INTEREST RATE
29.99% - 46.96%
TERMS
84 - 120 days
AMOUNT
$2,500 - Unlimited
INTEREST RATE
Starting at 3.9% - 34.9%
TERMS
3 - 240 Months
AMOUNT
$1,000 - $25,000
INTEREST RATE
19% - 25%
TERMS
6 - 30 months
AMOUNT
$50K - $10M
INTEREST RATE
Varies
TERMS
1 - 10 Years
AMOUNT
$350 - $25,000
INTEREST RATE
Varies
TERMS
12 - 60 months
AMOUNT
$7.5K to $200K (Refinance existing auto loan)
INTEREST RATE
From 6.93% (lower your auto loan interest rate)
TERMS
Up to 86 months
AMOUNT
$250 - $1M
INTEREST RATE
From 10%
TERMS
3 - 60 Months
AMOUNT
$150,000 - $15 Million
INTEREST RATE
Varies
TERMS
3 - 30 Years
AMOUNT
$2500 to $5 million
INTEREST RATE
Varies
TERMS
18 - 84 months

Why Smarter.loans?

  • chredAccess to over 50 lenders in one place
  • chredTransparency in rates & terms
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  • chredSave time and money
  • chredTrusted by more than 2,000,000 Canadians since 2016
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Deal only with top quality, reputable lenders

We prioritize your peace of mind. Our network includes only vetted, trustworthy lenders with a proven track record of providing fair terms and excellent customer service. Say goodbye to hidden fees and questionable practices, and borrow with confidence.

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Customer reviews

Since 2016, Smarter Loans has helped thousands of Canadians obtain different loans and financing with ease

Awesome G.
04:46 26 Feb 25
I’m very honoured to shear my experience with this illustrious platform. To be able to systematically choose from a list optional to one’s profile without doing much leg work is truly rewarding. This platform allowed to expand my options and chose which lenders fit my profile, thank you and continue doing what you do best,, connecting people to available wealth opportunities.
Pat M.
03:10 26 Feb 25
Good place to get a loan
Chris “Stufphr” H.
02:07 26 Feb 25
When you feel in need of a loan do it smart and make it a Smarter Loans.
Dan Bott (.
01:41 26 Feb 25
Very Helpful, was assisted in a timely fashion and was ultimately able to receive assistance; I highly recommend!!!
joel K.
22:59 25 Feb 25
I have recommended this place to many friends I feel that this company goes out of their way to help people that they can and they are very easy to work with
Nate C.
13:22 27 Oct 24
This company is reliable, quick, and just has the best customer service and rates it is a easy process with quick results. Would definitely recommend to anyone that needs the help.
Vincent J.
07:08 23 Oct 24
Good place for borrowing a bit of money 😁
Kels H.
06:41 23 Oct 24
Personally love this opportunity and app. Super convenient and easy to use and super awesome variety of great loans. Thanks so much guys for making such an awesome site and app and being there for me over the years. :)
Tara H.
16:23 16 Oct 24
From beginning to end, my experience was great! Very professional and personable agents. They only asked questions that were needed for the loan and payments were extremely reasonable. Would recommend to anyone who needs emergency funds.
A S.
19:43 11 Oct 24
“ Thank you SO very much! My situation was tricky and you guys made the whole process so effortless. The way you guys handle the whole process so discreetly. That truly speaks to how well your office is run and the caliber of specialists who handled the processing of my entire loan!”
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Frequently Asked Questions

What is Smarter Loans?

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Smarter Loans is Canada’s largest loan comparison platform. We help Canadians find and compare trusted lenders for personal, business, auto, equipment, mortgage, and other types of loans—all in one place. On Smarter Loans you can browse and choose from over 50 of the top loan providers in Canada. The website makes it simple to compare products, fees, eligibility requirements and terms for a wide range of loan providers in the country. Smarter Loans helps people make smarter financial decisions by educating them about Canada’s most innovative financial products, and connecting them with Canada’s top financial companies in a safe, fast and convenient way.

Is Smarter Loans available everywhere in Canada?

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Yes, Smarter Loans works with loan providers for any type of loan and all over Canada.

What types of loans can I compare on Smarter Loans?

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Smarter Loans can help Canadians find loans and financing for any purpose, including:

  • Personal Loans (instalment loans, short term loans, unsecured and secured personal loans)
  • Small Business Loans (working capital, unsecured term loans, merchant cash advances, invoice factoring)
  • Auto Loans
  • Truck and Trailer Financing (highway trucks, transportation equipment)
  • Equipment Financing (farming, agriculture, construction, medical and mor)
  • Mortgages (personal and commercial mortgages, refinancing, 1st and 2nd mortgages)
  • Home Equity Loans
  • Car Title Loans
  • Boats & Yachts Financing
  • Asset based lending
  • Cosmetic and Plastic Surgery Loans
  • Loans for Newcomers to Canada
  • Auto Loan Refinancing

How do I compare loan offers in Canada effectively?

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When comparing loans, consider more than just the interest rate. Look at:

  • Annual Percentage Rate (APR), which includes fees
  • Repayment term length
  • Loan flexibility (early payment penalties, top-up options)
  • Customer reviews and lender reputation

Smarter Loans makes it easy to compare all of these features side-by-side so you can make an informed decision.

How long does it take to get a loan?

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Some lenders offer instant decisions and same-day funding, while others may take 1-3 business days depending on the loan type and documents submitted.

What are the minimum requirements to qualify for a loan?

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Qualification requirements to obtain a loan vary depending on the type of loan you are looking for and the lender you’ve chosen. Explore the various lenders listed on Smarter Loans to see exactly what their qualification requirements are. Typical requirements include being over the age of majority, a Canadian resident, and steady income from employment. For business loans, you will need to show steady and provide bank statements.

Will applying affect my credit score?

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Comparing lenders on Smarter Loans does not impact your credit score. We do a “soft” credit pull via Transunion, which does not affect your credit score, but allows us to show you more pre-approved offers from Lenders. Some lenders may perform a soft or hard credit check once you apply directly with them.

Can I apply with bad credit?

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Yes. Many of our lending partners offer loans for individuals with fair or poor credit, including bad credit personal loans, business loans, auto loans, and secured options. Keep in mind, that having bad credit will have an impact on interest rates that you might be charged. Please review the terms of any loan agreement before taking out a loan.

Are companies listed on Smarter Loans safe to deal with?

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Yes. All companies listed on Smarter Loans have met the quality standards required to be listed on our website.  After a thorough review of company history, products, services, team and reputation, select companies are awarded the Smarter Loans Quality Badge, a symbol of trust and quality in the industry. The Smarter Loans Quality Badge is awarded to financial companies with an established track record that have consistently demonstrated a commitment to excellent product offerings, customer service, responsible lending practices, transparency and safety for all Canadians.

What resources does Smarter Loans offer?

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Smarter Loans offers several unique types of resources to help Canadians make smarter financial decisions. This includes complete profiles for all companies that contain information on their products, interest rates, terms, fees, eligibility requirements and customer reviews. We also have a learning center with videos about how different loans work, interviews with lenders on our website, and over 200 articles on various topics.  The website also features tools like loan search, loan calculators, educational guides, and other helpful videos.

Is Smarter Loans a lender?

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No, Smarter Loans is not a direct lender. We connect you with licensed lenders across Canada so you can compare offers and apply online easily.

Is Smarter Loans safe?

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Smarter Loans is Canada’s most trusted source of information about loans and financial companies. Launched in 2016, Smarter Loans now helps over 40,000 nationwide make smarter financial decisions. Smarter Loans was named the ‘GPS to the World of FinTech Lending’ by the Toronto Star in 2019, and featured in many nationwide publications. Smarter Loans is a proud leader in the Canadian financial sector, and an active member of industry associations, including the Canadian Lenders Association, Chamber of Commerce, Canadian Federation of Independent Business, Canadian Equipment Financing and Leasing Association, Canadian Marketing Association and more.

What information does Smarter Loans need to help me find a loan?

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To let us help you find the most suitable loan provider, you will need to provide some basic personal info like your name, email, location, phone. You will also be asked specific loan questions to help us narrow down the search, this includes things like requested loan amount, employment status, income, reason for taking out the loan, and if there are any current debts. We also do an optional “soft” credit check via Transunion, in order to show you real-time offers from lenders faster and more accurately. This does not impact your credit score and this information is never shared with 3rd parties. 

How much money can I borrow?

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The amount of money you can borrow depends entirely on the type of loan you are applying for, the purpose of the financing, and your individual financial and credit situation. Typically, an unsecured personal loan is between $500 and $15,000. A secured loan such as a home equity or a car title loan can be larger than an unsecured personal loan, because your personal assets are used as collateral. These loans can be between $5,000 and $150,000. Commercial unsecured loans such as working capital small business loans are usually between $10,000 and $100,000 but can be as high as $500,000. These numbers are simple approximations and will change from lender to lender, and from borrower to borrower. Taking on debt should not be taken lightly. Make sure to take the time to understand all the details of your terms and agreement if you are considering any kind of loan, regardless of the amount.

How do I apply for a loan through Smarter Loans?

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Simply choose your loan type, compare lenders, and click “Apply” to start the process directly with the lender. Many lenders offer instant or same-day approvals. You can also apply via Smarter Loans to get real time offers from multiple lenders in one place.

What documents do I need to apply?

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Requirements vary by lender but typically include a valid ID, proof of income or bank statements, and sometimes a credit check.

What credit score do I need to qualify for a loan in Canada?

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The credit score needed to qualify for a loan depends on the type of loan and the lender. In general:

  • 660+ is considered good and qualifies for most loans
  • 575–659 is fair and may require a higher interest rate or a co-signer
  • Below 575 is considered bad credit, but options still exist with specialized lenders

Smarter Loans works with lenders that accept a wide range of credit profiles, including no credit or limited credit history.

Is every loan company listed on Smarter Loans?

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No, there are many other legitimate loan companies that operate in Canada but are not listed on Smarter Loans.

Is it safe to apply for loans online in Canada?

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Yes, if you’re using a secure, verified platform and work only with licensed, reputable lenders. At Smarter Loans, we only work with trusted lenders who are licensed to operate in Canada. Our website uses industry-standard encryption, and you’ll never be charged for comparing loans. We connect you directly to the lender’s secure application page, so you’re always in control of your personal information.