One application. 14 lenders from our 50+ network. Funded in 24 to 48 hours.
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Every Apply button starts the same single application. Your chosen lender is prioritized first.
The same lenders serve Surrey and Vancouver, since licensing is provincial. What differs is what people here need them for.
Four gates, in the order lenders apply them.
The rest require employment or self-employment. This field decides more applications than credit score does.
Income floor is absolute. Most lenders publish a minimum monthly income, most commonly $1,500 per month. Below a lender's floor, nothing else compensates.
Credit is more flexible than expected. 9 of 14 lenders serving Surrey approve applicants below a 560 credit score. A decline is one lender's threshold, not the market's.
Banking history can replace credit history. Lenders that connect read-only to your account assess deposit regularity rather than your file, approve applications a bureau score would decline, and fund fastest.
Worth checking before borrowing. Each costs less than any loan.
Licensing is provincial, so the same lenders serve every British Columbia community. High-cost credit licensing applies at or above 32% APR. The regulator is Consumer Protection BC. The full picture is on the British Columbia page.
All lenders licensed in British Columbia serve Surrey, mostly online with same-day funding. Any lender offering 32% APR or higher must hold BC's high-cost credit licence, verifiable by name on Consumer Protection BC's search.
Yes. Several BC-licensed lenders approve on income and banking history rather than a credit score. Expect rates near the 35% cap on those products; the credit-builder options on this page are the lower-cost route if rebuilding credit is the goal.
