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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
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
Tuesday is the busiest day to apply for a loan at 18.3 percent, across more than 79,000 Smarter Loans applications in the year to July 2026. May is the busiest month at double September, and about a quarter of applications arrive at weekends.
4 min · Read
TransUnion's Q2 2026 Consumer Pulse found a quarter of Canadians plan to apply for credit and one in four expects to miss a bill. Across more than 79,000 Smarter Loans applications, the people who actually apply ask small: 71 percent want $1,500 or less.
5 min · Read
Applicants reporting unsecured debt on a Smarter Loans personal loan application carried an average of $13,410 in the year to July 2026. Those applying to consolidate asked for $6,659, about half of what they owe.
3 min · Read
71 percent of more than 79,000 Smarter Loans personal loan applications in the year to July 2026 asked for $1,500 or less. The average request in that range was $552, and it barely moves across income types or provinces.
4 min · Read
Canadians applying to consolidate debt asked for an average of $6,659 in the year to July 2026, across more than 8,000 Smarter Loans applications. Newfoundland and Labrador led every province at $7,948 and New Brunswick sat lowest at $6,133.
4 min · Read
What actually moves a Canadian credit score within 30 to 60 days, what takes years, and how much a higher score changes your loan rate.
1 min · Read
The steps to consolidate debt with a personal loan in Canada, what lenders check, and the mistakes that leave you paying more than before.
10 min · Read
What to check before taking a fast loan in Canada: the no-cost options, what the speed really costs, and how to spot a loan scam.
7 min · Read
