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.
Whether you are looking to pay for unexpected bills, fix up your car, make an investment into your business, or just go on vacation, online loans in Canada are quickly becoming a popular financing solution.
It’s easy to get approved. You don’t need to wait in long lines or fill out stacks of paperwork. After you complete a simple application online, you can usually get the cash you are looking for within just a 24 hours, deposited directly into your bank account.
At Smarter Loans, we make it safe and easy to obtain an online loan.
One application gives you access to multiple financing options
Online loans that do not require collateral and are repaid through fixed monthly payments.
Loans repaid over a set term with predictable payment schedules.
Loans backed by assets or collateral that may allow higher borrowing limits or lower interest rates.
Revolving credit options that let borrowers access funds as needed instead of receiving a lump sum.
Join over 2 million Canadians who have used Smarter Loans.
Apply Now – It Takes 5 Minutes
