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Lower than most people expect. Several lenders in our network do not check a score at all, deciding on income and banking history. Among those that do, most accept scores in the 500s. What causes declines is usually unstable income or a very recent bankruptcy, not the score by itself.
Rates run toward the 35% federal cap, and that cap is absolute: no consumer loan in Canada can lawfully exceed 35% APR including fees. Compare the total repayment figure rather than the rate alone, because some lenders add membership or brokerage fees on top of the stated APR.
Only if the lender reports to the credit bureaus, and not all do. Ask before signing: a loan that is never reported rebuilds nothing. The credit-builder products in our network exist specifically for rebuilding, starting at 0% interest with a monthly fee instead.
Yes, though timing matters. Most lenders want the bankruptcy discharged or the proposal completed, and several will consider an active proposal with steady income. Approval is more likely once you can show six months of consistent deposits.
