One application. 17 lenders from our 50+ network. Funded in 24 to 48 hours.
17 lenders in our network serve Canada. Borrow $100 to $150,000 at 9.99 to 34.99% APR, with funding as fast as 48 hours. Every lender is subject to the 35% federal rate cap. Most lenders ask for $1,500 monthly income. Rates reviewed August 2026.
Apply NowOne application routed to where you qualify.
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Every Apply button starts the same single application. Your chosen lender is prioritized first.
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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
Many dental and medical practices arrange interest-free instalments directly. Always ask before financing elsewhere.
Check your benefits and provincial coverage
Workplace plans, spousal plans, and provincial programs for children, seniors and low-income households cover more than most people claim.
Health spending accounts
If you have one through work or a corporation, it pays for eligible costs with pre-tax dollars.
These options cost less than borrowing. We list them because a loan is not always the right answer, even on a page about loans.
Common questions
What medical costs are not covered in Canada?
Provincial health insurance covers medically necessary care, but dental work, vision, prescriptions outside hospital, most physiotherapy, fertility treatment, and elective procedures are largely out of pocket. Coverage varies by province and by whether you have workplace benefits.
Should I finance a procedure or use a clinic payment plan?
Check the clinic first. Many dental and medical practices offer in-house instalments at no interest, which beats any loan. Where a clinic uses a third-party financing partner, compare that offer against the lenders here rather than accepting it at the counter.
Can I finance elective or cosmetic procedures?
Yes, and several lenders in our network specialize in it, with terms up to 72 months. Because these are discretionary, the same caution applies as any lifestyle borrowing: size the payment to your budget, not to the maximum offered.
