Real rates from banks and fintechs. Compared side by side, no affiliate bias.
APR
9.9–46.96%
Amount
CA$500–CA$35k
Canadian resident
19+ years old
Active bank account
APR
—
Amount
Up to CA$10
Canadian resident
18+ years old
Active bank account
APR
9.0–10.0%
Amount
CA$3k–CA$200k
Canadian resident
Minimum annual income $17,000 gross
Good credit score
APR
6.0–10.0%
Amount
CA$5k–CA$75k
Canadian resident
Good credit score
Proof of income
APR
8.99–22.99%
Amount
CA$2k–CA$35k
Canadian resident
18+ years old
Good credit history
APR
9.0–13.0%
Amount
CA$5k–CA$50k
Canadian resident
Good credit score
Steady income
APR
7.45–12.45%
Amount
CA$1k–CA$50k
Canadian resident
Tangerine client or new applicant
Good credit history
APR
19.9–34.9%
Amount
CA$1k–CA$15k
Canadian resident
18+ years old
Active bank account
APR
8.99–23.99%
Amount
CA$5k–CA$50k
Canadian resident
Good credit history
Regular income
APR
9.99–34.95%
Amount
CA$300–CA$35k
Canadian resident
18+ years old
Active bank account
APR
8.99–34.99%
Amount
CA$1k–CA$35k
Canadian resident
Credit score 600+
Active bank account
APR
29.99–34.99%
Amount
CA$500–CA$50k
Canadian resident
18+ years old
Proof of income
APR
19.9–46.93%
Amount
CA$500–CA$25k
Canadian resident
18+ years old
Active bank account
APR
7.95–14.95%
Amount
CA$2k–CA$50k
Canadian resident
Good credit score
Proof of income
APR
8.99–29.49%
Amount
CA$2k–CA$35k
Canadian resident
18+ years old
Active bank account
APR
6.95–12.95%
Amount
CA$500–CA$50k
Desjardins member
Canadian resident
Good credit history
APR
7.49–12.99%
Amount
CA$1k–CA$50k
Ontario resident (member)
Good credit score
Proof of income
APR
7.99–14.99%
Amount
CA$1k–CA$50k
Coast Capital member
Canadian resident
Good credit score
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