Personal loans across Canada

Ask once.
Hear back fairly.

One short chat, then lenders across Canada who work with your kind of credit can reply. $500 to $2,500. Soft check only, nothing on your file. $0 to ask.

Won't touch your score About 2 minutes $0, no obligation

Submitting a request connects you with a lender; it is not an offer or a guarantee of a loan or approval. See the FAQ and disclosures below.

Fairloop Replies in seconds

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Hi. I'm the Fairloop assistant. A few quick questions and I'll carry your request to lenders across Canada who work with every kind of credit.

Soft check only · encryptedReferral service, not a lender

Submitting a request connects you with a lender; it is not an offer or a guarantee of a loan or approval. See the FAQ and disclosures below.

How the loop works

Three steps. No branch, no judgment.

You answer a short chat

What it's for, how much, and a few questions about your income and your home. About two minutes.

Lenders who fit reply

Your request goes to lenders across Canada who work with your kind of credit. Soft check only, nothing on your file.

You decide

A lender reaches out to finalize. Works for you? Funds are deposited quickly. Doesn't? You walk away, free.

Who asks

Working people. Every kind of credit.

Not a three-digit score. People with a job, a plan, and a bill that can't wait.

A South Asian Canadian woman at a bright table checking her phone — **A bill before payday.**Brampton, ON

A Black Canadian electrician in his workshop — **Self-employed, variable months.**Halifax, NS

A young Canadian baker laughing behind her counter — **Thin credit, steady work.**Sherbrooke, QC

What lenders read

Your whole situation, not one number.

Your score is part of it. So is everything a score leaves out.

Income, and how steady it isFull-time, part-time, self-employed, gig, pension or benefits.
Your work and time on the jobMonths at your employer and how you're paid.
Housing and what it costs youRent or own, time at your address, your monthly payment.
Your credit, as one line among manyLow, thin, bruised by a proposal or a bankruptcy. Read, not used as the only answer.

Who it's for

Turned down somewhere else? Ask here.

Low credit score
Thin or no credit history
Past bankruptcy or consumer proposal
Missed payments behind you
Declined by a bank or credit union
Self-employed or variable income
Pension, disability or benefits income
New to Canada

Start the chat

Questions

The fine print, in plain words.

A bank already said no. Why would this be different?

Banks usually decide on your credit score alone. The lenders in our network read your income, your work and your ability to repay as well, so a bank's no isn't always the last word.

Will checking affect my credit score?

No. Seeing your options uses a soft inquiry that does not appear on your file and does not affect your score. A hard inquiry only happens if and when you accept a specific offer from a lender.

How much can I ask for?

Requests generally range from $500 to $2,500. The final amount depends on the lender and your situation.

Bad credit, bankruptcy or a consumer proposal?

Yes, many of our lending partners work with these profiles because they read past the score. Approval and terms are always the lender's call, but it's worth seeing where you stand.

Is it really free?

Yes, 100% free for you. Our lending partners pay us only when we refer a request to them.

Is my information safe?

Your data is encrypted and handled under Canadian privacy legislation (PIPEDA). It is shared only with our partner and its lending network to process your request, and never sold to unrelated third parties.

Am I obligated to accept anything?

No. A request commits you to nothing. If an offer works, you accept it; otherwise you're free to decline, at no cost.

Ask once.Hear back fairly.