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Three in ten applicants. Of 2,053 Manitoba applications on our platform, three in ten came from people with a score under 560, and a quarter had no score at all. Most came from Winnipeg, which has its own page: bad credit loans in Winnipeg.
| Credit score | Share of Manitoba applications |
|---|---|
| Under 560 | 30.0% |
| 560 to 659 | 41.9% |
| No score on file | 25.0% |
Smarter Loans platform, 2,053 personal loan applications from Manitoba, 1 January to 30 June 2026. The 660 and up group is too small to report.
Small bills. Manitobans under 560 ask for about $1,400 on average. More than a third are catching up on bills, at about $1,100. About one in five Manitoba applicants lives on benefits.
Seven of the nine on the personal loans in Manitoba page, all online. Four consider poor credit, and three set no minimum score. Rates run from 0% to 34.99%, under the 35% federal cap.
Four pay out within 24 hours, two within the hour, and all seven within two days. Income minimums run from $1,000 to $2,000 a month. Our application reaches all seven at once.
It gives you a licensed lender and a way out. Manitoba counts a loan above 32% a year as high-cost credit. That lender needs a Consumer Protection Office licence, and you can cancel within 48 hours, Sundays and holidays excluded.
A payday loan is regulated separately at $14 per $100, and the payday loans in Manitoba page sets out those rules. Every lender we work with that lends below 560 is on the bad credit loans in Canada page.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans, 4 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
Yes. Seven lenders in our network lend below 560 across Manitoba, and three set no minimum score.
Manitobans under 560 ask for about $1,400 on average, and more than a third are catching up on bills. Figures are from Smarter Loans applications, January to June 2026.
Three in ten Manitoba applicants have a score under 560, and a quarter have none. Figures are from Smarter Loans applications, January to June 2026.
The seven lenders charge 0% to 34.99%. Above 32%, Manitoba requires the lender to hold a Consumer Protection Office licence.
Yes. You can cancel a loan above 32% a year within 48 hours, not counting Sundays and holidays.
