Trusted by More than 2,000,000 Canadians since 2016

Collateral Loans

  • chBorrow up to $1 Million using your home
  • chRates starting from 4%
  • chApply online - Get offers from Top Lenders in Canada
up Last updated

June 12, 2025

up Written by:

Amy Orr

up Reviewed by:

Jenna West

Collateral loans will require the applicant to use collateral which makes them secured in their nature. Collateral is often put up in the form of a home, car or other form of security.

Smarter Loans, has a lot of experience helping others just like you successfully procure collateral loans. The most common type of a collateral loan is a home equity loan for homeowners. These allow you to use the equity in your home to borrow a larger amount at lower interest rate.

With Smarter Loans you can get approved for a collateral loan quickly and easily. Take a look at the list of the trusted collateral loan providers below, or apply directly with Smarter Loans to get connect you with a top lender fast.

Compare Lenders

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 - $100M
INTEREST RATE
Varies
TERMS
12 - 60 Months
AMOUNT
$20K - $10M
INTEREST RATE
Varies
TERMS
6 Months - 5 Years
AMOUNT
$10K - $10M
INTEREST RATE
Varies (Home Equity Loans)
TERMS
12 Months
AMOUNT
$50K - $100M
INTEREST RATE
From 4.09%
TERMS
6 Months - 10 Years
AMOUNT
$50K - $10M
INTEREST RATE
Varies
TERMS
1 - 10 Years
AMOUNT
$50K - $10M
INTEREST RATE
From 5.44%
TERMS
5 Years

av
writtenWritten by:

Amy Orr

Amy Orr is a professional writer and editor with over 10 years of experience in the Canadian, U.S. and U.K. financial markets. She has written for numerous publications on topics as diverse as economic literacy, corporate finance, and technical analysis of numerical data. Prior to transitioning to full-time writing, she worked in the hedge fund sector. Her academic background is astrophysics, and she has a Masters in Finance from the University of Edinburgh Business School.

av
writtenReviewed by:

Jenna West

Jenna West is Smarter Loans' in-house financial writer and content director. She has been covering the Canadian FinTech and finance industry since 2017, including financial trends analysis, industry surveys, regulatory updates and changes in Canadian consumer behaviour when it comes to finance.

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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