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Seven in the Smarter Loans network, and every one of the seven considers a score under 560: four because they consider poor credit as a matter of course, three because they set no minimum score at all. That is seven of the nine personal lenders that serve the province on the personal loans in Manitoba page. Amounts run from $15 advances to $35,000 instalment loans, rates from 0% to 34.99%, under the 35% federal cap, four of the seven pay out within 24 hours, two within the hour and all seven within two days, and income minimums run from $1,000 to $2,000 a month from any regular source.
Your bank deposits. The lenders listed read three months of statements through your online banking login before they read the score: regular income arriving on a predictable day, and an account without returned payments, is what they are looking for. The label you give your income decides which lenders see the application at all, so know whether you are full-time, self-employed, on disability or on benefits and say so. Some lenders use a soft inquiry that does not affect your score and decide on the statements alone.
A rate toward the top of a lender's range, and in Manitoba the top comes with a licence: a loan with an annual interest rate exceeding 32% is a high-cost credit product, the lender must be licensed with the Consumer Protection Office, and you can cancel the agreement within 48 hours, excluding Sundays and holidays. On $5,000 over 36 months, the difference between 20% and 34.99% is roughly $1,450 in interest, which is why a loan repaid cleanly for a year and then refinanced at a rate that reflects the new score is the route out. A payday loan is regulated separately at $14 per $100, and the payday loans in Manitoba page sets those rules out; it is the cheaper product only when repaid in full on the pay date.
Every lender in the network that lends below 560 is on the bad credit loans in Canada page.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans. Last reviewed 25 September 2026. Lender figures are the lenders' published terms as checked August 2026; the cost example is illustrative.
Yes. Seven lenders in the Smarter Loans network lend below 560 in Manitoba, three of them with no minimum score at all, from $15 to $35,000. The decision is made on your bank deposits more than your score, and four of the seven pay out within 24 hours.
You pay toward the top of a lender's range, from 0% to 34.99% among the lenders listed, under the 35% federal cap. On $5,000 over 36 months, 34.99% costs roughly $1,450 more in interest than 20%.
Yes. Any lender charging an annual interest rate above 32% must be licensed with Manitoba's Consumer Protection Office as a high-cost credit grantor, and you can cancel such a loan within 48 hours, excluding Sundays and holidays.
Some lenders listed use a soft inquiry that does not affect your score and decide on your bank statements. Apply once through our application rather than to several lenders separately, because a burst of hard inquiries in one week counts against you.
Twelve clean months on a loan that reports to the bureaus, revolving balances brought down, and no new credit in the months before you refinance move the score. A loan taken near the top of the range and repaid on time is refinanced at a rate that reflects the new score.
