Home › Installment Loans in Manitoba - Fixed Payments, Flexible Terms in MB

Installment Loans in Manitoba - Fixed Payments, Flexible Terms in MB

One application. 8 lenders from our 50+ network. Funded in 24 to 48 hours.

8 lenders in our network serve Manitoba. Borrow $100 to $150,000 at 9.99 to 34.99% APR, with funding as fast as 48 hours. Every lender is subject to the 35% federal rate cap. Most lenders ask for $1,500 monthly income. Rates reviewed August 2026.

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Amount: AnyCredit: Any Province: Any Sort: Recommended
★★★★★ 4.4 (11)
Amount
$3,200 - $20,000
Rate (APR)
19.8 - 34.99% APR
Terms
36 months
Funding
48 hours
Best for Borrowers with fair credit who want a fixed three-year payoff on a mid-size balance · Line of credit
★★★★★ 4.4 (14)
Amount
$500 - $35,000
Rate
From 9.99% APR
Terms
6 - 84 months
Funding
48 hours
Best for Borrowers with fair or poor credit who want a long repayment runway and a path to better credit · Instalment loan
★★★★★ 4.7 (12)
Amount
$500 - $750
Rate (APR)
23% APR
Terms
3 - 6 months
Funding
48 hours
Best for Borrowers who need a few hundred dollars quickly and want a rate well under the cap · Instalment loan
★★★★★ 5.0 (2)
Amount
$30 - $250
Rate (APR)
0% APR
Terms
Revolving
Funding
48 hours
Best for People who need a very small advance and want to avoid interest entirely · Line of credit
★★★★★ 4.5 (13)
Amount
$15 - $750
Rate (APR)
0% APR
Terms
0 - 3 months
Funding
48 hours
Best for People who need to bridge a small gap before payday without paying interest · Line of credit
★★★★★ 4.6 (20)
Amount
$500 - $20,000
Rate (APR)
9.99 - 34.99% APR
Terms
9 - 84 months
Funding
48 hours
Best for Borrowers who want branch support and the option to scale from a small unsecured loan to a large secured one · Instalment loan · Also offers: secured loan
★★★★★ 4.3 (18)
Amount
$500 - $25,000
Rate (APR)
34.56 - 34.95% APR
Terms
6 - 84 months
Funding
48 hours
Best for Borrowers who want one provider for both a short-term advance and a larger instalment loan · Instalment loan · Also offers: instalment loan
★★★★★ 4.6 (16)
Amount
$500 - $10,000
Rate (APR)
34.99% APR
Terms
Revolving
Funding
48 hours
Best for Borrowers who want a payday advance and a longer-term line from the same provider · Line of credit · Also offers: payday loan
WHAT MANITOBA BORROWERS REQUEST
Pay Off Bills
33.3%
Debt Consolidation
22.2%
Other
15.4%
Average request for pay off bills: $4,721; for debt consolidation: $7,808 · Source: Smarter Loans platform data, H1 2026
WHERE MANITOBA DEMAND COMES FROM
Winnipeg 60% · Brandon 4% · Gypsumville 1.8% · The Pas 1.6% · Thompson 1.5%
Share of Manitoba personal loan requests · Source: Smarter Loans platform data, H1 2026

Common questions

What is a high-cost credit grantor in Manitoba?

A lender offering credit above Manitoba's high-cost threshold, which must hold a grantor licence from the Consumer Protection Office. You will see these licence numbers in the fine print of several lenders serving Manitoba; a missing number on a high-rate offer is a reason to check the lender with the CPO before signing.

What is the maximum interest rate on a personal loan in Manitoba?

35% APR, fees included, under the federal criminal rate. Manitoba's payday rules are famously the strictest in Canada, but for instalment loans and credit lines it is the federal cap plus the high-cost grantor licensing that does the protecting.

Can I get a personal loan in Manitoba with bad credit?

Yes. Most of the lenders serving Manitoba accept fair or poor credit, and approve on income and banking history without a credit check. If you were declined by a payday lender because of Manitoba's 30% net-pay cap, note that instalment lenders are not bound by that limit; they assess affordability on your full income instead.

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