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Usually under $5,000. About six in ten BC instalment-size requests on our platform are between $1,500 and $4,999, averaging about $2,200. About one in five is for $10,000 or more, averaging about $15,600.
| Amount asked for | Share of BC requests | Average request |
|---|---|---|
| $1,500 to $4,999 | 59.7% | $2,171 |
| $5,000 to $9,999 | 19.9% | $5,574 |
| $10,000 and up | 20.5% | $15,625 |
Smarter Loans platform, 1,594 personal loan applications from British Columbia for $1,500 to $35,000, 1 January to 30 June 2026.
Seven of the thirteen on the personal loans in British Columbia page. They lend $500 to $35,000. Rates run from 9.99% to 35% APR, repaid in equal payments over months or years.
Three pay out within 24 hours, and all seven within two days. Five consider poor credit or set no minimum score, and two want a fair score. Income minimums run from $1,000 to $2,500 a month. Our application reaches all seven at once.
A BC payday loan costs at most $14 per $100, up to $1,500, and must be repaid within 62 days. Once a balance needs more than one pay period to clear, the instalment loan costs less.
A licence above 32%. Any lender charging more than 32% a year needs a high-cost credit licence from Consumer Protection BC. Ask for the licence number before you sign.
Every instalment lender we work with is on the instalment loans in Canada page.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans, 4 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
Seven lenders in our network do, lending $500 to $35,000. Three of them pay out within 24 hours.
About six in ten BC requests are under $5,000, averaging about $2,200. Figures are from Smarter Loans applications, January to June 2026.
The seven lenders charge 9.99% to 35% APR, depending on your score, the amount and the term.
Yes. Any lender charging above 32% a year needs a high-cost credit licence from Consumer Protection BC.
Yes. Five of the seven lenders consider poor credit or set no minimum score.
