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Much like the rest of Ontario. About a quarter of Ottawa applicants on our platform have a score under 560. More than a quarter have no score, and about four in ten sit between 560 and 659.
| Credit score | Share of Ottawa applications |
|---|---|
| Under 560 | 26.8% |
| 560 to 659 | 39.3% |
| No score on file | 28.2% |
Smarter Loans platform, 1,019 personal loan applications from Ottawa, 1 January to 30 June 2026. The 660 and up group is too small to report.
Yes. Ottawa applicants under 560 ask for about $1,400 on average, against about $1,800 across Ontario. More than four in ten are catching up on bills, at about $1,200. A small loan repaid over a few months fits that.
The eleven on the bad credit loans in Ontario page, all online. Seven consider poor credit, and four set no minimum score. Eight pay out within 24 hours, and our application reaches all eleven at once.
About six in ten Ottawa applicants work full-time, and one in seven lives on benefits. Income minimums run from $1,000 to $2,000 a month. The income type you choose decides which lenders see your application.
The federal cap and Ontario's payday rules. No consumer loan can charge more than 35% APR, and no lender listed goes above it. A payday loan is regulated separately by Ontario at $14 per $100.
Every lender we work with that lends below 560 is on the bad credit loans in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 3 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
Yes. Eleven lenders in our network lend below 560 in Ottawa, and four set no minimum score.
Ottawa applicants under 560 ask for about $1,400 on average, less than the Ontario figure of about $1,800. Figures are from Smarter Loans applications, January to June 2026.
More than four in ten Ottawa applicants under 560 are catching up on bills, at about $1,200 each. Figures are from Smarter Loans applications, January to June 2026.
You need regular income of $1,000 to $2,000 a month, depending on the lender. About six in ten Ottawa applicants work full-time. Figures are from Smarter Loans applications, January to June 2026.
Eight of the eleven lenders pay out within 24 hours of approval, and all eleven lend online.
