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Loan types

Every loan type we cover

Sixteen borrowing products explained from the rules up, with the federal limits that apply and what to compare before you sign.

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Personal Loans Unsecured or secured lump-sum borrowing repaid on a fixed schedule. Most Canadian personal loans run from $1,000 to… Bad Credit Loans Loans for borrowers whose credit history falls short of prime lending. Lenders weigh income, stability and banking … No Credit Check Loans Advertised as borrowing without a hard credit pull. A credit decision still happens, and the price of that flexibil… Payday Loans Short-term, high-cost credit of up to $1,500 for 62 days or less. Federal law caps the cost of borrowing at $14 per… Cash Advance Loans A cash advance against your next paycheque or credit line. Fast, but among the most expensive ways to borrow in Can… Emergency Loans Short-term financing for an unexpected bill. Urgency is exactly when borrowers pay the most, so compare before sign… Car Loans Vehicle financing secured by the car itself. Rates move with the vehicle's age, the term, your down payment and you… Auto Refinancing Replacing an existing vehicle loan with a new one, usually to lower the rate or the monthly payment. Home Equity Loans Borrowing against the equity in your home. Secured debt prices lower than unsecured credit, and your property backs… Mortgage Refinancing Replacing your mortgage to change the rate, term or payment, or to pull equity out. Discharge, appraisal and legal … Home Equity Lines of Credit A revolving facility secured by your home. Interest is charged only on what you draw, usually at a variable rate. Business Loans Working capital and term financing for companies. Lenders underwrite time in business, revenue and cash flow. Business Lines of Credit A revolving facility for operating cash flow, drawn and repaid as needed up to a limit. Debt Consolidation Loans Combining multiple debts into one payment. It only saves money when the new total cost of borrowing is genuinely lo… Debt Relief Debt management plans, consumer proposals and bankruptcy. Each carries a different cost and a different credit cons… Lines of Credit Revolving credit you draw on, repay and reuse. Cheaper than a credit card for many borrowers, and usually variable-…

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We are not a lender. We do not make loans, set rates, or make credit decisions. Comparing through loanwolf.ca is free, and we may earn a commission if you click through to a lender or partner.

Two numbers make any loan comparison honest: the annual percentage rate (which folds fees into the cost) and the total cost of borrowing (what you pay in total by the end). A lower monthly payment across a longer term usually means a higher total cost — the calculators on this site show that difference directly.

This page is general information, not financial, legal or credit advice. Every borrowing decision depends on your own circumstances. The lowest rates are only available to the most qualified applicants.

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