Loans
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Loan types
How Car Loans Work in Canada
A car loan is a way to purchase a new or used vehicle when you lack the cash to buy it outright. Car loans are available from banks and credit unions, as well as online lenders.
Sandra MacGregor
What Is a Personal Loan?
A personal loan allows you to borrow money from a bank, credit union or alternative lender. The loan accrues interest and has a set repayment schedule.
What Is a Car Title Loan?
Car title loans allow you to borrow money using your vehicle as collateral. Title loans have high interest rates, and could result in loss of the vehicle if you fail to make payments.
Helen Burnett-Nichols
What Is a Payday Loan?
Payday loans can provide quick access to cash in an emergency, often without a credit check. But you’ll pay a high interest rate and additional fees.
Personal loan basics
How Do I Get a Personal Loan? Cost, Eligibility and Credit Score
To get a personal loan in Canada, you’ll have to meet common requirements around age, residency, income, and credit score.
Hannah Logan
Personal Loan vs. Line of Credit: How to Choose
The difference between a line of credit and a loan is that a loan is borrowed as a lump sum, while a line of credit can be used and repaid on an ongoing basis.
Clay Jarvis
What is an Unsecured Personal Loan?
An unsecured personal loan doesn’t require collateral and typically has a faster approval process. However, it may come with higher interest rates.
Personal loan calculator
Compare two loan options side by side to estimate monthly payment and total cost
How to use a personal loan
Should You Use a Personal Loan for Home Improvements?
Personal loans are funded quickly and feature lower interest rates than credit cards, but may be too restrictive for major home improvement projects.
Nora Dunn
8 Do’s and Don’ts of Personal Loan Repayment
Your personal loan repayment strategy will be unique to your loan terms and financial situation. Here’s what to keep in mind before you apply.
Personal Loan Rates in Canada
Personal loan interest rates can be either fixed or variable. Your rate depends on factors like your income, credit score, term, type of loan and more.
Choosing the right loan
Debt Consolidation Loan vs Personal Loan: How to Choose
A debt consolidation loan and personal loan have many similarities, but may differ on qualification requirements, collateral requirements, interest rate and loan limit.
HELOC vs Personal Loan: How to Choose
A HELOC is a type of revolving credit available to homeowners with ample equity, while a personal loan is a fixed-sum financing option available to all qualified borrowers.
Small Business Loan vs. Personal Loan: How to Choose
Small business loans typically have higher loan limits and lower interest rates, but personal loans may be easier to qualify for.
Personal Line of Credit vs Home Equity Loan: How to Choose
A personal line of credit is a type of revolving credit that works similarly to a credit card, and a home equity loan is a lump-sum loan for homeowners.
Deborah Kearns
Janine DeVault
Kurt Woock
Beth Buczynski