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How Canadians on ODSP, AISH or CPP Disability actually qualify for loans: which income counts, realistic amounts, benefit interactions, and the alternatives to check first.
4 min · Read
September stacks school supplies, tuition, and activity fees onto regular bills. Here is how Canadians are borrowing for back to school, and how to compare offers before you commit.
5 min · Read
Nova Scotia borrows small and follows the Atlantic pattern. Across 2,682 Smarter Loans applications in the year to July 2026, Nova Scotians requested $2,227 on average, three in four asked for $1,500 or less, and fair credit led low by eight points.
4 min · Read
New Brunswick borrows a little below the national average and consolidates less than any other province. Across 2,484 Smarter Loans applications in the year to July 2026, applicants requested $2,378 on average, the average consolidation request was $6,133, and fair and low credit were in a dead heat.
4 min · Read
Saskatchewan borrows the least of any province day to day and among the most when consolidating. Across 2,912 Smarter Loans applications in the year to July 2026, applicants requested $2,099 on average, 76 percent asked for $1,500 or less, and the average consolidation request was $7,123.
4 min · Read
Manitoba borrows small. Across 3,897 Smarter Loans applications in the year to July 2026, Manitobans requested $2,162 on average, three in four asked for $1,500 or less, and the province has the largest share of applicants with no credit history in Canada.
3 min · Read
Quebec borrows a little bigger than the country and looks different on credit. Across 5,221 Smarter Loans applications in the year to July 2026, Quebecers requested $2,730 on average, fair and low credit were nearly tied, and the province has no conventional payday lending.
4 min · Read
British Columbia borrows slightly smaller than the country. Across 9,687 Smarter Loans applications in the year to July 2026, British Columbians requested $2,470 on average against $2,604 nationally, and 72 percent asked for $1,500 or less.
4 min · Read
Alberta sits close to the national pattern for personal borrowing and above it for business. Across 15,218 Smarter Loans applications in the year to July 2026, Albertans requested $2,503 on average, and Alberta businesses $98,218 against $92,806 nationally.
4 min · Read
Ontario borrows slightly bigger than the country. Across 33,943 Smarter Loans applications in the year to July 2026, Ontarians requested $2,828 on average against $2,604 nationally, and Ontario is one of only two provinces where every credit band clears the reporting floor.
4 min · Read
Fair credit is the largest self-reported band in almost every province, across more than 40,000 Smarter Loans personal loan applications in the year to July 2026. Saskatchewan is the only exception, where low credit leads, and good or great stays under one in seven everywhere.
5 min · Read
Canadian businesses asked for an average of $92,806 across 823 Smarter Loans business loan applications in the year to July 2026. Expansion carried the largest requests at $128,450 and Quebec the highest provincial average at $109,849.
3 min · Read
