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Online Loans

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.

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Amount: AnyCredit: Any Province: Any Sort: Recommended
★★★★★ 4.4 (11)
Amount
$3,200 - $20,000
Rate (APR)
19.8 - 34.99% APR
Terms
36 months
Funding
48 hours
Apply Now View profile
Best for Borrowers with fair credit who want a fixed three-year payoff on a mid-size balance · Line of credit
★★★★★ 4.4 (14)
Amount
$500 - $35,000
Rate
From 9.99% APR
Terms
6 - 84 months
Funding
48 hours
Apply Now View profile
Best for Borrowers with fair or poor credit who want a long repayment runway and a path to better credit · Instalment loan
★★★★★ 4.5 (13)
Amount
$1,000 - $5,000
Rate (APR)
19.9 - 34.5% APR
Terms
12 - 36 months
Funding
48 hours
Apply Now View profile
Best for Borrowers with poor credit and modest income who need $5,000 or less · Instalment loan
★★★★★ 4.5 (11)
Amount
$500 - $2,500
Rate (APR)
18.99% APR
Terms
3 - 6 months
Funding
48 hours
Apply Now View profile
Best for Ontario and Quebec borrowers who want a small short-term loan at a rate well below the cap · Instalment loan
★★★★★ 4.7 (12)
Amount
$500 - $750
Rate (APR)
23% APR
Terms
3 - 6 months
Funding
48 hours
Apply Now View profile
Best for Borrowers who need a few hundred dollars quickly and want a rate well under the cap · Instalment loan
★★★★★ 5.0 (2)
Amount
$30 - $250
Rate (APR)
0% APR
Terms
Revolving
Funding
48 hours
Apply Now View profile
Best for People who need a very small advance and want to avoid interest entirely · Line of credit
★★★★★ 4.5 (13)
Amount
$15 - $750
Rate (APR)
0% APR
Terms
0 - 3 months
Funding
48 hours
Apply Now View profile
Best for People who need to bridge a small gap before payday without paying interest · Line of credit
★★★★★ 4.6 (20)
Amount
$500 - $20,000
Rate (APR)
9.99 - 34.99% APR
Terms
9 - 84 months
Funding
48 hours
Apply Now View profile
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
★★★★★ 5.0 (4)
Amount
$100 - $1,500
Rate
$14 per $100 borrowed
Funding
48 hours
Apply Now View profile
Best for Borrowers who need a payday advance in a province where their options are limited · Payday loan
★★★★★ 4.3 (18)
Amount
$500 - $25,000
Rate (APR)
34.56 - 34.95% APR
Terms
6 - 84 months
Funding
48 hours
Apply Now View profile
Best for Borrowers who want one provider for both a short-term advance and a larger instalment loan · Instalment loan · Also offers: instalment loan
★★★★★ 4.4 (28)
Amount
$300 - $3,500
Rate (APR)
34.37% APR
Terms
12 - 60 months
Funding
48 hours
Apply Now View profile
Best for Borrowers who want a small revolving line of credit managed entirely from an app · Line of credit
★★★★★ 5.0 (2)
Amount
$500 - $1,000
Rate
From 22% APR
Terms
3 - 6 months
Funding
48 hours
Apply Now View profile
Best for Quebec borrowers who need a small short-term loan · Instalment loan
★★★★★ 4.8 (26)
Amount
$1,500 - $20,000
Rate (APR)
34.86% APR
Terms
12 - 60 months
Funding
48 hours
Apply Now View profile
Best for Ontario borrowers with fair credit who need $1,500 or more and have been declined elsewhere · Instalment loan
★★★★★ 4.6 (16)
Amount
$500 - $10,000
Rate (APR)
34.99% APR
Terms
Revolving
Funding
48 hours
Apply Now View profile
Best for Borrowers who want a payday advance and a longer-term line from the same provider · Line of credit · Also offers: payday loan
★★★★★ 5.0 (4)
Amount
$100 - $15,000
Rate (APR)
34.99% APR
Terms
Revolving
Funding
48 hours
Apply Now View profile
Best for Borrowers who want an open revolving line they can draw from as needed · Line of credit
★★★★★ 4.3 (14)
Amount
$100 - $20,000
Rate (APR)
34.37% APR
Terms
6 - 84 months
Funding
48 hours
Apply Now View profile
Best for Ontario borrowers with poor credit who want an instalment loan rather than a payday advance · Instalment loan
★★★★★ 4.9 (8)
Amount
$1,000 - $15,000
Rate (APR)
19.9 - 34.9% APR
Terms
Revolving
Funding
48 hours
Apply Now View profile
Best for Borrowers who want revolving credit they can draw on repeatedly rather than a one-time lump sum · Line of credit
Canada borrowing snapshot · H1 2026
Canadians requested an average of $6,061. 53.2% asked for under $5,000. top purpose: pay off bills.
Source: Smarter Loans platform data, H1 2026 · Full data in the Lending Demand Index
Requests by purpose · H1 2026
Pay Off Bills
32.4%
Debt Consolidation
21.0%
Other purposes
18.6%
Source: Smarter Loans platform data, H1 2026. See the Lending Demand Index

Online loans are a fast and easy method of getting financing in Canada.

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. 17 lenders. Apply Now