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About three in ten. Of the Winnipeg applications on our platform, about three in ten came from people with a credit score under 560. About a quarter had no score at all.
| Credit score | Share of Winnipeg applications |
|---|---|
| Under 560 | 31.1% |
| 560 to 659 | 41.6% |
| No score on file | 24.5% |
Smarter Loans platform, 1,159 personal loan applications from Winnipeg, 1 January to 30 June 2026. The 660 and up group is too small to report.
About $1,500 on average. Bills are the top reason, at more than a third of requests, and those average about $990. That is a small loan, and it is easier to clear over a few months than all at once.
The seven on the bad credit loans in Manitoba page. Four consider poor credit, and three set no minimum score. All seven lend online, and our application reaches them all at once. Four pay out within 24 hours, two of them within the hour.
Rates run from 0% to 34.99%, under the 35% federal cap. Income minimums run from $1,000 to $2,000 a month. The lenders weigh three months of bank statements more than your score.
A licence and a way out. Manitoba treats a loan above 32% a year as high-cost credit. The lender must be licensed by the Consumer Protection Office. You can cancel within 48 hours, not counting Sundays and holidays.
If a lender quotes above 32%, ask for its licence. 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 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. Seven lenders in our network lend below 560 in Winnipeg, and three of them set no minimum score.
Winnipeg applicants with a score under 560 ask for about $1,500 on average. Bills are the top reason. Figures are from Smarter Loans applications, January to June 2026.
Yes. Manitoba lets you cancel a loan above 32% a year within 48 hours, not counting Sundays and holidays.
The lenders listed charge 0% to 34.99%, under the 35% federal cap. Any lender above 32% must be licensed by Manitoba's Consumer Protection Office.
Four of the seven lenders pay out within 24 hours, two within the hour, and all seven within two days.
