One application. 16 lenders from our 50+ network. Funded in 24 to 48 hours.
16 lenders in our network serve Canada. Borrow $100 to $150,000 at 9.99 to 34.99% APR, with funding as fast as 1 hour. Every lender is subject to the 35% federal rate cap. Most lenders ask for $1,350 monthly income. Rates reviewed August 2026.
Apply NowOne application routed to where you qualify.
Your lender options
Every Apply button starts the same single application. Your chosen lender is prioritized first.
Show only lenders I qualify for
Four questions about you, and it filters this list instantly.
Answer the last question to see your matches.
Checked against published lender criteria. Not a credit check, and nothing here affects your credit score.
Best for Borrowers who want branch support and the option to scale from a small unsecured loan to a large secured one · Instalment loan · Also offers: secured loan
Lenders accepting each criterion · of 16 in network
14
accept any income type, including benefit income
16
accept self-employed income
16
accept part-time income
11
approve applicants with poor credit
5
approve across every credit band
Computed from published lender criteria, verified August 2026. Counts update as lender criteria change.
Common questions
What does a guarantor actually take on?
Full liability. If you miss payments, the lender can pursue the guarantor for the entire balance, and the missed payments appear on the guarantor's credit file as well as yours. It is not a character reference; it is a legal commitment to repay someone else's debt. Both parties should understand that before signing.
Does a guarantor need good credit?
Yes, and usually verifiable income too, because the lender is underwriting them as much as you. A guarantor with a strong file can materially lower the rate offered, which is the main reason to use one.
Can I get a loan without a guarantor if I have bad credit?
Usually. Several lenders in our network approve on income and banking history without a credit check or a co-signer. The rate will be higher than a guaranteed loan, which is the trade-off for not putting someone else's credit at risk.
