Trusted by More than 2,000,000 Canadians since 2016

Medical Loans Canada

  • chAccess up to $35,000 for medical expenses
  • chRates from 9.99% - 34.99% APR
  • chFast application and pre-approval
up Last updated

July 14, 2025

up Written by:

Amy Orr

up Reviewed by:

Jenna West

Medical Loans in Canada.

A medical loan is a form of financing in Canada that can come in very handy. If you need quick funds for your next dental visit, cosmetic surgery, dermatology session, weight loss program, or simply to pay off your medical bills, a medical loan in Canada is a great way to finance any of the above. Getting approved for a medical loan in Canada is quicker than you think. You will receive your cash in no time after completing your online application and without having to deal with the headaches of waiting in line or filling out stacks of paperwork. Smarter Loans has provided a quick and efficient service whereby we provide you with a list of reputable lenders in Canada that offer medical loans. You can pick one from the many in the table below, however we suggest that you consider your options by comparing the different interest rates, products, repayment terms and customer reviews. When you’ve selected a lender in Canada that you want to go with, you will be taken to their online application upon clicking “Apply Now” next to their company name. If you want to get everything done in one place, you can also pre-apply for a medical loan with Smarter Loans. We will partner you up with a lender in Canada that that will be more than happy to help you process your medical loan request. You will be connected within the next 48 hours to discuss your next steps.

Compare Lenders

AMOUNT
$1,000 - $50,000
INTEREST RATE
Starting at 7.5%
TERMS
6 - 72 Months
View More Lenders

Expert Review & Editorial Standards

This page was researched, written, and reviewed by financial professionals with expertise in Canadian lending regulations. All information is regularly updated to reflect current rates, terms, and regulatory changes.

Jenna West
Reviewed By

Jenna West

Financial Writer & Content Director

Jenna has covered the Canadian FinTech and consumer lending industry since 2017. She specializes in regulatory updates, consumer protection, and helping Canadians navigate complex financial products.

  • 8+ years analyzing Canadian consumer lending
  • Monitors FCAC and provincial regulatory changes
  • Specializes in personal loans and alternative lending
Amy Orr
Written By

Amy Orr

Financial Content Specialist

Amy is a financial writer with 10+ years covering Canadian, U.S., and U.K. financial markets. She holds a Masters in Finance from the University of Edinburgh Business School and formerly worked in the hedge fund sector.

  • Masters in Finance, University of Edinburgh
  • Former hedge fund professional
  • Published in major financial publications

About Smarter Loans

Canada's independent lending comparison platform since 2016. Trusted by over 2 million Canadians and recognized by the Toronto Star as "the GPS of FinTech Lending." Featured in the National Post and major Canadian publications.

Verified Lenders Only All lenders verified for proper licensing and regulatory compliance
Editorial Independence Content created independently from business relationships
Regular Updates Content monitored and updated for rate changes and new regulations
2M+ Canadians Served Helping Canadians compare loans since 2016

Our Editorial Process

Every page undergoes research, expert writing, fact-checking, and review by our Financial Content Director. We verify all rates, terms, and regulatory information against official sources including FCAC guidelines and provincial lending regulations.

Last Updated: July 14, 2025 | Next Review: Ongoing monitoring

Awesome G. profile pictureAwesome G.
04:46 26 Feb 25
I’m very honoured to shear my experience with this illustrious platform. To be able to systematically choose from a list optional to one’s profile without doing much leg work is truly rewarding. This platform allowed to expand my options and chose which lenders fit my profile, thank you and continue doing what you do best,, connecting people to available wealth opportunities.
Pat M. profile picturePat M.
03:10 26 Feb 25
Good place to get a loan
Chris “Stufphr” H. profile pictureChris “Stufphr” H.
02:07 26 Feb 25
When you feel in need of a loan do it smart and make it a Smarter Loans.
Dan Bott (. profile pictureDan Bott (.
01:41 26 Feb 25
Very Helpful, was assisted in a timely fashion and was ultimately able to receive assistance; I highly recommend!!!
joel K. profile picturejoel K.
22:59 25 Feb 25
I have recommended this place to many friends I feel that this company goes out of their way to help people that they can and they are very easy to work with
Nate C. profile pictureNate C.
13:22 27 Oct 24
This company is reliable, quick, and just has the best customer service and rates it is a easy process with quick results. Would definitely recommend to anyone that needs the help.
Vincent J. profile pictureVincent J.
07:08 23 Oct 24
Good place for borrowing a bit of money 😁
Kels H. profile pictureKels H.
06:41 23 Oct 24
Personally love this opportunity and app. Super convenient and easy to use and super awesome variety of great loans. Thanks so much guys for making such an awesome site and app and being there for me over the years. :)
Tara H. profile pictureTara H.
16:23 16 Oct 24
From beginning to end, my experience was great! Very professional and personable agents. They only asked questions that were needed for the loan and payments were extremely reasonable. Would recommend to anyone who needs emergency funds.
A S. profile pictureA S.
19:43 11 Oct 24
“ Thank you SO very much! My situation was tricky and you guys made the whole process so effortless. The way you guys handle the whole process so discreetly. That truly speaks to how well your office is run and the caliber of specialists who handled the processing of my entire loan!”

Why Choose Smarter Loans?

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Access to Over 50 Lenders in One Place

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Transparency in Rates & Terms

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100% Free to Use

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Apply Once & Get Multiple Offers

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Save Time & Money

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