One application. 14 lenders from our 50+ network. Funded in 24 to 48 hours.
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Every Apply button starts the same single application. Your chosen lender is prioritized first.
Alberta's high-cost credit licence at 32% APR applies to most lenders serving Calgary borrowers with damaged credit. The register is public.
Four gates, in the order lenders apply them.
The rest require employment or self-employment. This field decides more applications than credit score does.
Income floor is absolute. Most lenders publish a minimum monthly income, most commonly $1,500 per month. Below a lender's floor, nothing else compensates.
Credit is more flexible than expected. 9 of 14 lenders serving Calgary approve applicants below a 560 credit score. A decline is one lender's threshold, not the market's.
Banking history can replace credit history. Lenders that connect read-only to your account assess deposit regularity rather than your file, approve applications a bureau score would decline, and fund fastest.
Worth checking before borrowing. Each costs less than any loan.
Licensing is provincial, so the same lenders serve every Alberta community. High-cost credit licensing applies at or above 32% APR. The regulator is Service Alberta. The full picture is on the Alberta page.
| Age band | Average everyday request |
|---|---|
| 18 to 24 | $521 |
| 25 to 34 | $495 |
| 35 to 44 | $507 |
| 45 to 54 | $550 |
| 55 to 64 | $559 |
| 65 and over | $655 |
Every lender licensed in Alberta serves Calgary, most online with same-day funding. Alberta requires a high-cost credit licence for products at 32% APR or higher, so lenders in that band appear in Service Alberta's public registry.
Yes. Alberta's resource economy makes contract, rotational, and self-employed income common, and lenders serving Calgary are accustomed to assessing it from bank statements and contracts rather than T4s alone. Consistent deposits matter more than the employment label.
