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Surrey asks for less. The average request on our platform is about $4,800, against about $6,200 from Vancouver. Surrey sent us 219 personal loan applications in the first half of 2026, one in seven of British Columbia's. Nearly seven in ten of those applicants work full-time. The city's other cells fall under our reporting floor, so the table stops there.
| Surrey | Vancouver | |
|---|---|---|
| Average requested | $4,810 | $6,193 |
| Applications, H1 2026 | 219 | 199 |
| Share of BC requests | 13.7% | 12.5% |
| Full-time income, share | 69.9% | 66.3% |
Smarter Loans platform, personal loan applications, 1 January to 30 June 2026. Cells with fewer than 100 applications are not shown.
No. Nine of the thirteen lenders consider a score under 560, and three set no minimum at all. The other four want a fair score or better.
Income minimums run from $1,000 to $2,500 a month, so a full-time wage clears all of them. One of the thirteen accepts disability or pension income.
Thirteen in our network, all online. Loans run from $15 to $35,000. Rates start at 0% on the smallest advances and stop at the 35% federal cap. Eight lenders pay out within 24 hours, and three within the hour.
You apply once. Our application goes to the lender most likely to approve the amount and purpose you enter, and the rest of the thirteen stay in reserve. Vancouver has its own page, personal loans in Vancouver, and the province is on personal loans in British Columbia.
Because credit at an APR of more than 32% is high-cost credit in British Columbia, and the lender needs a licence from Consumer Protection BC to offer it. The federal cap is 35%. A payday loan is priced on its own, at no more than $14 for every $100 borrowed. Every personal lender we work with is on the personal loans in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 13 October 2026. Lender terms checked August 2026. Platform figures cover applications from 1 January to 30 June 2026.
Surrey applicants asked for about $4,800 on average in the first half of 2026, less than Vancouver's $6,200.
Thirteen lenders in our network serve Surrey online, lending $15 to $35,000. Eight of them pay out within 24 hours.
Yes. Nine of the thirteen lenders consider a score under 560, and three of those set no minimum score.
Lenders ask for $1,000 to $2,500 a month, depending on the lender. Nearly seven in ten Surrey applicants in the first half of 2026 worked full-time.
It is consumer credit with an APR of more than 32%. The lender needs a licence from Consumer Protection BC, and the federal cap is 35%.
