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Move your plans forward with a clearer picture of the costs.

Personal loans in Canada

Borrow a defined amount for an agreed purpose and repay under the lender’s terms.

Find my loan options

Get your conversation guide before sharing contact details.

  • Free to use
  • No credit check in this form
  • No obligation

Editorial approval pending.

General information, not personal advice.

What to consider

Compare affordability and full borrowing costs. Approval is a lender decision.

Who can help?

Banks, credit unions, lenders and authorized brokers. This describes a provider type, not a confirmed DebtHelpers partner.

Questions to ask

  • What is the APR and total repayment?
  • Are there fees, optional extras or prepayment terms?

SEE THE TRADE-OFF

A smaller payment can cost more.

Imagine two offers to borrow the same $10,000. Here is what the payments alone add up to.

Illustrative comparison—not available loan offers
Compare3-year offer5-year offer
Monthly payment$340$260
Number of payments3660
Total repaid$12,240$15,600

$80 less each month. But $3,360 more repaid overall.

Hypothetical fixed payments including interest, with no additional fees, insurance or extra repayments. Different offers can have different interest rates. Compare the full written terms.

Try your own repayment numbers

MAKE THE CONVERSATION COUNT

Three things to have handy

  • 1How much you need and what it is for
  • 2Income and existing payment commitments
  • 3Your questions about the loan term and costs

A preparation guide, not an application checklist. Keep documents with you; this form does not ask for uploads or account numbers.

Borrowing for an expense is different from managing existing debt

A personal loan adds a repayment commitment. Explain whether you want to fund a purchase, cover an expense or combine existing balances. If you are already struggling with payments, it is also worth discussing repayment support rather than assuming another loan will solve the problem.

Ask for the full cost in writing

Compare the amount received, payment schedule, interest, fees and total repayment. If an asset secures the loan, understand what happens to it if payments are missed. Do not judge an offer only by its advertised payment.

Will a lender run a credit check?

Most lenders check credit for a personal-loan application. DebtHelpers does not perform a credit check in this form; that is not a promise of no-credit-check borrowing. A provider would explain its own application requirements.

Start with what you need the money for

Get your conversation guide: who to speak with, what to ask and what to have handy. No contact details needed to see it.

Find my loan options

Check the source

FCAC: Personal loans

This brief is a starting point. Rules, availability and individual circumstances may change the options. The source link is an editorial reference, not a paid referral.

Related options

Debt consolidation

Combine balances into a loan, line of credit or another suitable credit product.

Credit counselling

A counsellor can review your finances and explain debt-management choices.

Questions about your situation