Compare Loans Canada 2026
Side-by-side comparison of 15 licensed lenders. Sort by APR, amount, and payout speed.
| Lender | Rating | Loan Amount | APR Range | Approval Time | |
|---|---|---|---|---|---|
 | ★ 4.5 | $500 – $45,000 | 19.99% – 46.96% | 24 hours | Details → |
 | ★ 4.4 | $500 – $500,000 | 2.99% – 59.99% | 2 hours | Details → |
 | ★ 4.4 | $500 – $35,000 | 5.9% – 45.9% | 24 hours | Details → |
 | ★ 4.3 | $500 – $40,000 | 9.99% – 29.99% | 2 days | Details → |
 | ★ 4.3 | $500 – $35,000 | 19.99% – 46.96% | 24 hours | Details → |
 | ★ 4.2 | $100 – $1,500 | 391% – 442% | 1 hour | Details → |
 Borrowell broker | ★ 4.2 | $500 – $50,000 | 2.99% – 46.96% | 24 hours | Details → |
 | ★ 4.2 | $100 – $1,500 | 391% – 442% | 1 hour | Details → |
 | ★ 4.1 | $100 – $1,500 | 391% – 456% | 2 hours | Details → |
 | ★ 4.1 | $1,000 – $15,000 | 19.99% – 46.96% | 12 hours | Details → |
 Fig Loans direct lender | ★ 4.1 | $300 – $1,500 | 19.9% – 45.9% | 12 hours | Details → |
 Refresh Financial direct lender | ★ 4.0 | $300 – $10,000 | 14.99% – 29.99% | 24 hours | Details → |
 | ★ 4.0 | $100 – $1,500 | 391% – 456% | 1 hour | Details → |
 Credit Fresh direct lender | ★ 3.9 | $200 – $3,500 | 29.99% – 59.99% | 6 hours | Details → |
 Progressa broker | ★ 3.8 | $1,000 – $50,000 | 9.99% – 46.96% | 2 days | Details → |
How to Use This Comparison
1. Check APR
APR is the true cost indicator — it includes all fees, interest, and charges.
2. Verify provincial licensing
Only borrow from provincially licensed lenders regulated by the FCAC for consumer protection.
3. Compare total cost
Don't just look at monthly payments — compare total repayment amounts including all fees.
4. Borrow responsibly
Only borrow what you can comfortably repay to avoid debt traps.
FAQ
How do I compare loans in Canada? ▼
Compare the APR (Annual Percentage Rate), which includes all costs and fees. Use our table to sort by APR, loan amount, and approval speed.
Are all lenders licensed in Canada? ▼
Yes, all lenders in our comparison are provincially licensed and comply with the Financial Consumer Agency of Canada (FCAC) guidelines and provincial lending regulations.
What is APR? ▼
APR (Annual Percentage Rate) represents the total annual cost of a loan, including interest, origination fees, and all other charges. It's the legal standard for comparing loan offers in Canada.
What loan amounts are available? ▼
Loan amounts vary by lender, from $100 to $50,000 CAD. Check the minimum and maximum amounts in our comparison table.
Are loans regulated differently by province? ▼
Yes, payday loans and consumer lending are regulated at the provincial level. Maximum rates, cooling-off periods, and borrower protections vary by province. The FCAC provides federal oversight for banks and federally regulated lenders.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000
- Czech Republic: ČNB (Česká národní banka) - 224 411 111