Smarter Loans Inc. is not a lender. Smarter.loans is an independent comparison website that provides information on lending and financial companies in Canada. We work hard to give you the information you need to make smarter decisions about a financial company or product that you might be considering. We may receive compensation from companies that we work with for placement of their products or services on our site. While compensation arrangements may affect the order, position or placement of products & companies listed on our website, it does not influence our evaluation of those products. Please do not interpret the order in which products appear on Smarter Loans as an endorsement or recommendation from us. Our website does not feature every loan provider or financial product available in Canada. We try our best to bring you up-to-date, educational information to help you decide the best solution for your individual situation. The information and tools that we provide are free to you and should merely be used as guidance. You should always review the terms, fees, and conditions for any loan or financial product that you are considering.
People all over Canada use Smarter Loans to discover & compare many of Canada’s top loan providers and financial products. We make it simple and safe to apply for all types of financing by featuring only the most reputable financial companies from all over Canada in one place.
Over 30 professional journalists nation-wide help us research, review and qualify all companies that are featured on Smarter Loans. Only after this thorough review, these select companies are awarded the Smarter Loans Quality Badge.
Look for the Quality Badge as you explore different loan company websites.
We only highlight financial companies that comply with responsible lending practices and have demonstrated high quality standards in the following areas:
Financial companies that are listed on Smarter Loans are fully licensed in every province that they operate in. They have been in business for at least 2 years and have a proven track-record of helping Canadians get the financing that they need.
Our lending members comply with Canadian underwriting & collection practices and would NEVER ask for an upfront payment or loan insurance of any kind, as this practice is illegal.
Financial companies that are promoted on Smarter Loans have shown a strong dedication to customer service. From having an easy way to reach their support teams via phone, email or chat to having a hundreds of satisfied customers & positive reviews about their financial products.
Financial companies listed on Smarter Loans are clear and transparent about their rates, fees, and any other costs associated with their products. They have made a commitment to not mislead, manipulate or fraudulently influence their clients.
Our lender members take all reasonable measures to protect customer data and personal information. The application process is conducted in a highly secured environment.
Financial companies listed on Smarter Loans are actively involved and interested in moving the Lending industry forward in Canada. They participate in industry associations, events and positively contribute to both the lending and consumer communities in Canada.
Smarter Loans is proud to recognize our financing partners as trusted companies that Canadians can feel safe to deal with.
When applying for a loan or financial product online, look for the Smarter Loans Quality Badge on the company’s website as a vote of confidence that the commitments stated above will be upheld by that company.
