Personal loans · $500 to $2,500 · Canada Check my options →
Personal loans · $500 to $2,500 · Every kind of credit

One sentence.
That's the whole application.

Finish the sentence below. We take it to lenders across Canada who work with every kind of credit. Soft check only, nothing on your file, and you owe nothing for asking.

Your requestNo. 01

I need for and my credit is .

Won't affect your credit Encrypted About 2 minutes
1 / 1
$0to ask. Free, no obligation.
Soft checkNothing appears on your file.
All of CanadaEvery province and territory.

Submitting a request connects you with a lender; it is not an offer or a guarantee of a loan or approval. See the FAQ and disclosures below.

What gets read

A bank reads one line. Our lenders read the page.

Your score is on it. So is everything a score leaves out.

  1. 01
    Income, and how steady it is

    Full-time, part-time, self-employed, gig, pension or benefits. What comes in and how regularly.

  2. 02
    Your work and time on the job

    Months at your employer and how you're paid count for more than a number from two years ago.

  3. 03
    Housing and what it costs you

    Rent or own, time at your address, your monthly payment. The shape of your month.

  4. 04
    Your credit, as one line among many

    Low, thin, bruised by a proposal or a bankruptcy. It's read, not used as the only answer.

A young Canadian family going over their budget at the kitchen counter
Working Canadians, every kind of credit.Across all provinces and territories
How it works

Three steps, no branch, no explaining yourself twice.

1

Finish the sentence

Amount, reason, credit. Then a few quick questions about your income and your home. About two minutes, on your phone.

2

We take it to lenders

Your request is matched against lenders who work with your kind of credit. A soft check only, nothing on your file.

3

You get a straight answer

A lender who fits reaches out to finalize. Works for you? Funds are deposited quickly. Doesn't? You walk away, free.

Who it's for

Declined somewhere else? Bring it here.

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  • Low credit score
  • Thin or no credit history
  • Past bankruptcy or consumer proposal
  • Missed payments behind you
  • Declined by a bank or credit union
  • Self-employed or variable income
  • Pension, disability or benefits income
  • New to Canada
A Canadian tradesman in his workshop
Self-employed. Variable months.
A Canadian woman checking her options by the window
A bill that couldn't wait for payday.
A young Canadian on his balcony with his phone
Thin credit file, steady job.
Questions

The fine print, in plain words.

A bank already said no. Why would this be different?

Banks usually decide on your credit score alone. The lenders in our network read your income, your work and your ability to repay as well, so a bank's no isn't always the last word.

Will checking affect my credit score?

No. Seeing your options uses a soft inquiry that does not appear on your file and does not affect your score. A hard inquiry only happens if and when you accept a specific offer from a lender.

How much can I ask for?

Requests generally range from $500 to $2,500. The final amount depends on the lender and your situation.

Bad credit, bankruptcy or a consumer proposal?

Yes, many of our lending partners work with these profiles because they read past the score. Approval and terms are always the lender's call, but it's worth seeing where you stand.

Is it really free?

Yes, 100% free for you. Our lending partners pay us only when we refer a request to them.

Is my information safe?

Your data is encrypted and handled under Canadian privacy legislation (PIPEDA). It is shared only with our partner and its lending network to process your request, and never sold to unrelated third parties.

Am I obligated to accept anything?

No. A request commits you to nothing. If an offer works, you accept it; otherwise you're free to decline, at no cost.

Finish the sentence. We'll do the asking.

Two minutes. No impact on your credit. $0 to find out.

Check my options