Search Canada’s Best
Personal Loan Rate

No matter what kind of loan you need, we’ve got you covered. Select the loan product you’re looking for.
Disclaimer: All loan services are subject to credit and underwriting approval.
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Why Apply Loans With Insurdinary?

  • Fast approvals
  • Loans up to $50,000
  • Applying is FREE and there is no obligation
  • Re-establish your credit
  • Many options, affordable financing
  • Apply once, get multiple options

Our Simple Process

When you apply for a loan with Loans Canada (our loan broker partner), you benefit from our proprietary solution matching technology to find the best possible loan solution for your situation. Our algorithm takes into consideration your location and the information you provide to find the best match. In short, you submit an application and we provide you with the best possible match.

Is This Right for You?

Loans Canada is the first and best destination for online financing solutions. With fast and easy application system and the largest provider network in Canada, it's no wonder Canadians continue to turn to Loans Canada for all of their personal financing needs.

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How to Choose The
Right Loan?

When it comes to choosing the right loan, there are several factors you should take into consideration.

What do you need the money for?

Since you’re looking to apply for a loan you likely have a reason, this will determine the type of loan and what lender you should choose. If you’re looking for a personal loan for a general reason (such as a vacation or to make a purchase), you’ll have more options to choose from then someone looking for a debt consolidation loan.

What interest rate are you being offered?

When comparing the interest rates of multiple lenders, makes sure you consider the APR as well as the monthly rate. This is particularly useful when trying to decide between several lenders that are offering similar options.

What type of repayment plans are available?

The repayment plan that you choose will not only dictate how often you have to make a loan payment but also how quickly you can pay off your loan. Typically, you’ll choose from monthly, weekly, or bi-weekly payments. If you’re looking to save money and pay off your loan quickly, bi-weekly payments are the best option.

Are there any additional fees?

Generally speaking, some lenders will have a couple of fees added to the cost of your loan. But, it’s important that you make sure you aren’t being charged any illegal fees or that the cost of the fees is not higher than the legal limit.

What do consumer reviews say?

When it comes to choosing a great lender to work with, reviews from other consumers can provide much-needed insight. Furthermore, if you can’t find any reviews at all, this could be a red flag.

How Does It Work?

At Insurdinary, we help you get connected with major loan providers in Canada to give you the best available out there and let you choose the right product for you.

Quote Request

Applying is easy, fast and secure. You can get approved and funded as early as today.
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Accept Quote

Get matched with a lender and accept your quote with terms and a plan that works for you.

Receive Funds

Funds are deposited into your account and repayments are made easy with automated debits.

Where Should You Get Your
Loan From?

Finding the right lender to work with may seem like a stressful task, but once you understand what your options are, you should have no problem making the choice that best fits your unique needs.
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Here are some tips to help you save
on your personal loan.

Bank or Credit Union

Probably the most common choice, a bank or credit union is a good option for those consumers who have good credit. Banks and credit unions typically have stricter approval procedures and require borrowers to meet higher standards.

Private Lender

A private lender is an individual or company that lends privately as opposed to through a traditional financial institutions. Because private lenders do not have the same restrictive requirements, they are able to work with more borrowers.

Loan Broker

Brokers have relationships with multiple lenders and can help you find the best option and rate. One of the main benefits of working with a broker is that you apply with them and they do all the work for you. This means you’ll save time and get the best options that fit your needs.

Online Lender

An online lender works directly with borrowers to get them approved for the loans they need. A consumer will fill out the lender’s online application, which is typically quick and easy to accomplish. Once approved they will receive funds directly deposited into their bank account.

Payday Loan Lender

If you’re currently thinking about applying for a payday loan, we suggest that you consider all other options first. While a payday loan may seem like a great option (easy application and quick approval), more often than not they can cause serious financial issues.

Personal Loan Requirements

While certain lenders may have additional requirements, here are some of the basic documents and eligibility requirements that most lenders will ask for during the loan application process.
Steady income
Valid government-issued I.D.
Active Chequing Account
Proof of employment
Canadian Citizen or P.R.
Bank statements
Social Insurance Number
Proof of Address
Credit Score Requirements
Co-signer or collateral

Personal Loans
Frequently Asked Questions (FAQ)

You’ve got questions, we’ve got answers. Learn all about finding and applying for personal loans online in our FAQ section below.

Where can I borrow money online?

There are many places where you can borrow money online. One of the best and most secure ways is through signing up for an online loan through a trusted lending company.

Our 2020 guide outlines the most reliable online lenders in Canada. Compare options and apply for the loan that suits your needs to secure money fast.

What is an online loan?

An online loan is money that is borrowed from a lender who does business online. You can search for lenders, compare options, and apply for loans online with ease.

Alternative options include applying over the phone or at your local bank, in person.

How does online lending/borrowing work?

With online lending, lenders collect your information to determine which lending options you are eligible for. Then you, as a borrower, decide whether the terms and rates suit your needs and budget. Some lenders provide money upfront in as little as 12 hours.

Are online loans a good idea?

Online loans are a good idea if the money is borrowed through a reputable lender with a secure website. Security and confidentiality are important, so Insurdinary only recommends companies that maintain these high standards.

Simply choose a lender, submit your details, and get money sent to you when you need it.

What is the best online loan?

The “best” online loan varies based on your unique needs. We’ve recommended lenders that offer low interest rates, great repayment plans, and a variety of borrowing options.

You’ll need to consider your own financial situation before choosing the best loan for you.

How do I find online loans with low interest rates? recommends a variety of online lenders that offer low interest rates, including variable and fixed interest rate options.

What’s “low” may depend on your credit score, the amount of money you want, and what your repayment schedule will look like.

Can I qualify for a loan if I have bad credit?

In short, yes. Not all lenders require a credit check, but many do. Most banks require a soft credit check to determine pre-approval, then a hard credit check if you agree to sign up for the loan.

Some brokers don’t require a credit check at all and will set you up with lenders who will send you money within a day, no matter whether you have bad or good credit.
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