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loanwolf.ca

Disclaimer

loanwolf.ca is an independent loan matching and comparison service. We are not a lender, a bank, a credit union, a broker of record, or a credit counselling service.

We are not a lender

We do not make loans, we do not extend credit, we do not set interest rates or fees, and we do not make credit decisions. We cannot approve or decline an application. A request submitted through this site is passed to a licensed lender or matching partner, which makes its own decision under its own criteria.

The lowest rates are only available to the most qualified applicants

Any rate, payment or saving shown or discussed on this site is illustrative or general. The rate, amount and terms you are offered are decided by the lender and depend on your credit history, income, existing debts, the security offered and your province. The best advertised pricing is reserved for the strongest applications.

Not financial or credit advice

The content on this site is general information. It is not financial, legal, tax or credit advice, and it does not take your circumstances into account. Where a decision has significant consequences — consolidation, a consumer proposal, bankruptcy, refinancing a home — speak to a qualified professional or a licensed insolvency trustee.

Cost of borrowing

Federal law sets the criminal rate of interest at 35% per year, and licensed payday lending is a specific statutory exception where a province operates a regime. Ask any lender for the annual percentage rate and the total cost of borrowing in writing before you sign, and read the agreement.

Accuracy

We cite sources and date our pages. Rules, caps and rates change. If you spot an error, tell us and we will verify it against the primary source and correct it.

Find out what you qualify for

One short form, passed to a licensed lender or matching partner. Free, with no obligation to accept an offer.

Check your rate

loanwolf.ca is not a lender. We do not make credit decisions, set rates, or guarantee approval. The lowest rates are only available to the most qualified applicants.

Frequently asked questions

Can loanwolf.ca approve my loan?

No. We are not a lender and we do not make credit decisions. Only the lender assessing your request can approve or decline it.

Where do your numbers come from?

Regulatory limits and benchmark rates are cited to their publisher — the Financial Consumer Agency of Canada, the Canada Gazette, the Criminal Code, the Bank of Canada, Statistics Canada and provincial regulators — with a source link and an as-of date.

Sources