Our technology connects directly with lenders to submit your application where you're most likely to be approved - protecting your credit score and saving you time.
Apply where you're most likely to be approved. Our system analyses your profile against real lender criteria to find the best fit.
One soft credit check instead of multiple hard inquiries. We match you with lenders before they pull your full credit report.
Our technology is integrated directly with lenders. We handle the paperwork and submit your application to the right places.
We work with lenders who support a wide range of credit profiles, helping borrowers with past challenges access realistic financing options.
Get funded in three simple steps
Apply once through a secure online form in under 5 minutes. We'll ask about you, your funding needs, and basic financial information.
Our platform assesses your application against real lender criteria and routes it directly to the lender where approval is most likely.
Once approved, funds are deposited directly into your bank account - often within 24-48 hours.
Immigrating to Canada comes with major financial adjustments, especially when you are building credit from scratch. Whether you are covering initial living expenses, setting up your household, purchasing a vehicle, or managing short-term cash needs, accessing financing as a newcomer is more achievable than many people expect.
Smarter Loans helps new immigrants to Canada apply for loans even with limited or no Canadian credit history. Instead of relying solely on a credit score, many lenders assess factors such as employment income, length of residency, visa or permit status, and banking history. This makes it possible for newcomers to access personal loans designed specifically for immigrants and recent arrivals.
By applying through Smarter Loans, your application is assessed against lenders that work with newcomers across Canada, helping you move forward confidently as you establish your financial footing in your new home.
One application gives you access to multiple financing options
Personal loans designed for recent immigrants with little or no Canadian credit history, often approved based on income, employment offers, or savings.
Starter credit cards from major banks that help build Canadian credit while providing access to short-term revolving credit.
Flexible borrowing solutions for newcomers with employment or savings, allowing access to funds as needed while paying interest only on what’s used.
Loans specifically designed for newcomers with no Canadian credit file, where approval is based on income, employment, or settlement funds instead of credit score.
Join over 2 million Canadians who have used Smarter Loans.
Apply Now – It Takes 5 Minutes
