Smarter Loans
close
Apply Now
Home › Lendful

Lendful logoLendful Review 2026

★★★★★ 5.0 · 2 borrower reviews
Lendful publishes a debt service ratio, which is rare outside a bank. Total debt service is capped at 55%, and at 50% for applicants in Alberta and Quebec. It also asks for a FICO score of 650 and household income of $50,000. Loans run $5,000 to $35,000 from 9.9% APR.

Apply Now Check if I Qualify ↓

Rates checked August 24, 2026
In business
Since 2018
Customers served
Hundreds of Thousands
Provinces
10 of 13

Our verdict

Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov

Best for
Borrowers with a FICO of 650 or better and household income of $50,000
Not for
Anyone below a 650 score, or carrying total debt service above 55%
What we like
  • + Rate starts at 9.9% APR
  • + A subsidiary of Peoples Trust Company, a federally regulated institution
  • + Debt service limits are published up front
Where it could improve
  • − The 9.9% floor is quoted for good credit only
  • − Minimum advance is $5,000
  • − Total debt service is capped at 50% in Alberta and Quebec
  • − The three territories are not served

Products offered

Each product is priced separately. Compare them below.

Personal Loan
Unsecured · AB, BC, MB + 7 more
Apply Now
Amount
$5,000 - $35,000
Rate
From 9.9% APR
Terms
6 - 60 months
Funding
24 hours
Min income
$4,167/mo
Good to know: Minimum credit score 650.

See if you qualify

Four questions checked against Lendful's published criteria, per product. No application started.

Answer the questions to check Lendful's published criteria
Educational check against published criteria. Not an approval or offer.

Contact Lendful

Get in touch

  • Email[email protected]
  • Head office1400-888 Dunsmuir Street, Vancouver, BC, V6C 3K4, Canada
  • Websitelendful.ca

Support and hours

  • ChannelsHelp Center/Blog, Call Centre, Email, Social Media

Borrower reviews

2 reviews from borrowers who used Lendful. Reviews are moderated; lenders cannot remove them.

★★★★★ Got my loan!

My friend told me about Lendful when I needed a bit of extra cash to pay for car repairs. They were able to help the next day. Thanks Lendful!

Brian
★★★★★ Great Company..........

Lendful is a great company......The loan process is made easy and done electronically, No STRESS :-)......Many thanks to Vanessa at Lendful for being there for me to answer all my questions....She is truly the best! I would recommend them to everyone! Way to go Lendful!!!

Sabrina

Common questions about Lendful

What is Lendful?

Lendful offers open, unsecured personal term loans in Canada.

What does Lendful do?

Lendful gives Canadians an alternative to outdated borrowing systems that are complicated and expensive. They offer customers the means and the time to build their lives.

What does Lendful offer?

Lendful offers 6-month to 5-year principal and interest loans.

Is Lendful safe?

Lendful was acquired by Peoples Trust in 2018. Peoples Trust was established in 1985. They have helped hundreds of thousands of customers in their various business lines through Peoples Group of companies.

What kind of loans does Lendful offer?

Lendful offers personal installment loans

What's the interest rate on a Lendful loan?

The interest rate on a Lendful loan start at 9.9%.

Lendful · $5,000 - $35,000 · funding in 24 hours Apply Now