One application. 7 lenders.
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Every Apply button starts the same single application. Your chosen lender is prioritized first.
About $6,100, and more to consolidate debt. Debt consolidation accounts for more than one in five Quebec requests, at about $8,500. Paying off bills is the most common reason, at about $4,500.
| Purpose | Average requested | Applications |
|---|---|---|
| All purposes | $6,093 | 925 |
| Debt Consolidation | $8,476 | 220 |
| Pay Off Bills | $4,466 | 272 |
Smarter Loans platform, personal loan applications from Quebec, 1 January to 30 June 2026; purposes with fewer than 100 applications are not shown.
Fair, most often. A score between 560 and 659 covers more than four in ten Quebec applicants on our platform. More than one in ten has 660 or more, and more than one in five is under 560. All seven lenders consider a score under 560.
Seven lenders in our network, offering lines of credit and installment loans from $15 to $20,000. Rates run from 0% up to the 35% cap. All seven lend online. Four pay out within 24 hours, one within the hour, and all seven within two days.
Income minimums run from $1,000 to $1,500 a month, and nearly seven in ten applicants work full-time. Our application reaches all seven at once. The four fastest are on the online loans in Quebec page.
A permit, a high-cost line and no payday loans. Every lender needs a permit from the Office de la protection du consommateur, and banks, caisses and trust companies are the exception. The Office can refuse a permit to a lender charging above 35%.
Credit priced above 22 points over the Bank Rate is high-cost. With the Bank Rate at 2.5%, the line is 24.5%. On a high-cost loan, the lender must check you can repay, and you can cancel within 10 days of receiving your copy. The payday loans in Quebec page explains why there is no payday loan.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 4 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
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Seven lenders in our network serve Quebec online, lending $15 to $20,000. Four pay out within 24 hours.
Quebecers ask for about $6,100 on average, and about $8,500 to consolidate debt. Figures are from Smarter Loans applications, January to June 2026.
Yes. All seven lenders serving Quebec consider a score under 560.
It is credit priced more than 22 points above the Bank of Canada's Bank Rate. On such a loan, you can cancel within 10 days at no cost.
Yes. Every lender needs a permit from the Office de la protection du consommateur, and banks, caisses and trust companies are exempt.
