About Smarter Loans

Find loans and financing for any purpose from Canada’s
most reputable financial companies.

Our Mission


To help Canadians make smarter financial decisions by educating them about Canada’s most innovative financial products, and connecting them with Canada’s top financial companies in a safe, fast and convenient way.

What We Offer

Company Profiles

Each listed company has a dedicated profile page which lists all their product offerings, interest rates, term lengths, associated fees, application process and document requirements, eligibility requirements, years in business, total dollars funded, availability by province, physical locations, level of customer support, customer reviews and contact information. You will also find journalist coverage for each company on their profile page.

Loan Finder

We want to make it easy for you to find the right loan – fast and from a trusted provider. Using the Loan Finder you can easily narrow down your search and find the best option for your needs. You can search by product types, location, amount and term lengths to get precise lender options. Just as easily, you can select 2 lenders side by side and compare features. We work directly with listed lenders to ensure the information is always up to date.

Educational Platform

In our Learning Center you can find educational content and other information on virtually any kind of loan and financing in Canada. Our goal is to raise awareness of financing options in Canada and promote responsible lending in the industry. Users can easily compare all available options, read customer reviews, journalist written articles and safely deal with only the most reputable loan providers in the country.

Loan Directory

At Smarter Loans you can explore Canada’s most reputable financing companies across many industries and all provinces and territories in Canada. In a simple table, you will discover options for personal loans, business financing, mortgages, auto loans and much more. Easily compare interest rates, terms and other factors, to help you make the best decision for your situation. Since launching in 2016, Smarter Loans has added more than 50 loan companies all over Canada to it’s loan directory.

Safety & Responsible Lending

To help Canadians avoid fraud, 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, a symbol of trust and quality in the industry. The Smarter Loans Quality Badge is awarded to the select financial companies with an established track record that have consistently demonstrated a commitment to excellent product offerings, customer service, responsible lending practices, transparency and safety for all Canadians.

Industry Research & Leadership

As a pioneer in the Canadian alternative financing industry, Smarter Loans is committed to moving forward the Canadian financing sector by investing in and publishing relevant studies, research, surveys and other thought leadership content.

Leadership Team

Vlad Sherbatov

President & Co-Founder

Email: vlad@smarter.loans

Rafael Rositsan

CEO & Co-Founder

Email: rafael@smarter.loans

Experts, Writers and Contributors

Over 30 professional journalists nation-wide help us research, review and qualify all companies that are featured on Smarter Loans. In addition, these industry experts produce industry research, studies, surveys and other thought leadership material that helps us make the Canadian lending industry a safe, educated and positive environment for everyone involved.  Thought leaders from Canada’s leading companies contribute content to educate Smarter Loans visitors about financial matters.


Below are some of our featured contributors.

Sean Cooper

Sean Cooper is the bestselling author of the book, “Burn Your Mortgage: The Simple, Powerful Path to Financial Freedom for Canadians”. He bought his first house when he was only 27 in Toronto and paid off his mortgage in just 3 years by age 30. Sean is a personal finance journalist, money coach and speaker, his articles and blogs have been featured in publications such as the Toronto Star, Globe and Mail, Financial Post and MoneySense.

Ramon Ray

Ramon is an entrepreneur who started four companies and sold two. He’s an author of four books, with the latest being, “Celebrity CEO – How Entrepreneurs can Thrive by Building Community and a Strong Personal Brand”. www.ramonray.com

Jared Lindzon

Jared Lindzon is an experienced journalist, writer and public speaker. He specializes in Business, Technology, Lending and FinTech industries in Canada and abroad. Jared is a regular contributor to Smarter Loans and top tier publications around the World, including Fortune Magazine, Fast Company, the Guardian, Rolling Stone, the Globe and Mail, and many more.

Smarter Loans In The Press



Smarter Loans Review

Date Published: January 10, 2023

In early 2023 Hardbacon did a full coverage of Smarter Loans, and review of customer experience.

Read the article online. 



Smarter Loans Review and Features Walkthrough

Date Published: December 2022

CompareWise compares different financial brands and products in Canada. In this article, they conducted a full review of Smarter Loans features and wrote the following report for their audience.

Read the article online



Smarter Loans Helps Borrowers Make More Informed Decisions Through  Reputable Lending Options.

Date Published: January 30, 2023

CardRates.org interviewed Smarter Loans to gain insight into the Canadian Lending ecosystem, and understand what the best in class borrower experience looks like today.

Read the article online

National Post


How Alternative Lending Can Help Fund Your Business

Date Published: December 18, 2019

In December 2019 Smarter Loans was interviewed for an article in the National Post about the rise of alternative lending in Canada, and how its helping small businesses gain access to capital.

Smarter Loans was featured as the go to resource for Canadian business owners to discover financing options from Canada’s top financial companies.

Read the article online



Canada’s Alternative Financing Market Is Taking Off

Date Published: May 20, 2019

In May 2019, deBanked, a US based magazine published an article covering the Canadian alternative financing sector. In the feature, they’ve interviewed some of the top financial companies in Canada.

Smarter Loans was featured as well as the leading loan comparison service in the country that is pushing the alternative lending industry forward, by educating Canadians about the top financial companies and products available to them.

Read the article online. 

Toronto Star


A Virtual GPS to the World of Fintech Lending

Date Published: June 29, 2019

smarter loans toronto star

In June 2019 Toronto Star launched a section titled Future of Fintech, covering the latest innovations, insights and thought leaders in Canadian Fintech.

The article on Smarter Loans is called A Virtual GPS to the World of Fintech Lending, where the author explains how Smarter Loans helps Canadians properly navigate between their options and make smarter financial decisions.

Read the article online



Comparison Site Smarter Loans Launches in Canada

Date Published: November 14, 2016

Back in 2016, AltFi was one of the first publishers to share the arrival of Smarter Loans with their audience. The article presents an overview of the early version of Smarter Loans and the key features of the website.

Read the article online. 

National Post


Demystifying Business Financing in the Digital Age

Date Published: March 21, 2019

In March 2019 National Post ran a special feature for the Canadian franchising community. It included various relevant topics, including financing.

Smarter Loans was featured in the package with an article titled Demystifying Business Financing in the Digital Age, where we explained the most current and innovative business financing options available to Canadian franchisees in Canada.

Read the article online



Smarter Loans Marketplace Connects Consumers to Beneficial Loan Products and Financial Education

Date Published: July 9, 2021

On the heels of our 2021 release of the FinTech Lending Study, BadCredit.org interviewed Smarter Loans about the state of the lending industry in Canada and latest trends.

Read the article online

Commitment to Transparency and Responsible Lending

The Smarter Loans Quality Badge is awarded to the select financial companies with an established track record that have consistently demonstrated a commitment to excellent product offerings, customer service, responsible lending practices, transparency and safety for all Canadians.

Smarter Loans Members

We take pride in working with the top financial companies in Canada. Below are some of the featured members of Smarter Loans. Switch between tabs to see companies for different lending sectors.

Smarter Loans is a proud member of:

Latest Articles

Elite Trusted Lenders

These companies are recognized for their excellent service, product offering and financial literacy education for all Canadians.