Smarter Loans
close
Apply Now
Home › Student Loans

Student 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.

Apply Now One application routed to where you qualify.

Your lender options

Every Apply button starts the same single application. Your chosen lender is prioritized first.

Show only lenders I qualify for
Four questions about you, and it filters this list instantly.
Amount: AnyCredit: Any Province: Any Sort: Recommended
★★★★★ 4.4 (11)
Amount
$3,200 - $20,000
Rate (APR)
19.8 - 34.99% APR
Income accepted
Any income type
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
Income accepted
Employment or self-employed
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
Income accepted
Employment or self-employed
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
Income accepted
Employment or self-employed
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
Income accepted
Employment or self-employed
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
Income accepted
Any income type
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
Income accepted
Any income type
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
Income accepted
Employment or self-employed
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
Income accepted
Any income type
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
Income accepted
Employment or self-employed
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
Income accepted
Any income type
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
Income accepted
Employment or self-employed
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
Income accepted
Employment or self-employed
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
Income accepted
Any income type
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
Income accepted
Employment or self-employed
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
Income accepted
Employment or self-employed
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
Income accepted
Any income type
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

Which criteria count, and with whom

Lenders accepting each criterion · of 17 in network
8
accept any income type, including benefit income
17
accept self-employed income
17
accept part-time income
12
approve applicants with poor credit
8
approve across every credit band
Computed from published lender criteria, verified August 2026. Counts update as lender criteria change.

Common questions

Should I use government student aid or a private loan?

Government aid first, always. The Canada Student Financial Assistance Program and its provincial partners offer grants that never need repaying, interest-free status while studying, and repayment assistance if your income is low after graduation. No private product matches those terms. Private borrowing is for gaps government aid does not cover.

What is a student line of credit?

A revolving credit facility from a bank, usually at a lower rate than a personal loan, with interest-only payments while studying. It typically requires a co-signer for undergraduates. It sits between government aid and a personal loan in both cost and accessibility.

Can I get a personal loan as a student?

Yes, if you have income. Lenders assess your ability to repay now rather than your future earnings, so part-time employment or steady deposits matter more than your program. Amounts are usually modest without a co-signer.

One application. 17 lenders. Apply Now