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Smarter Loans
2.85
Updated
Oct, 2026
Our Score
Cost
6.1/10
Experience
5.4/10
Flexibility
5.7/10
Support
5.6/10
Dealerhop
3.4
Updated
Oct, 2026
Our Score
Cost
7.0/10
Experience
6.6/10
Flexibility
7.6/10
Support
6.0/10
Loan Details
Minimum Loan Amount
The minimum loan amount is the smallest sum a lender allows borrowers to apply for.
$5,000
$5,000
Maximum Loan Amount
The maximum loan amount is the largest sum available to qualified borrowers from the lender.
$75,000
$50,000
Minimum Loan Term
The minimum loan term is the shortest repayment period offered by the lender.
1 year
3 months
Maximum Loan Term
The maximum loan term is the longest repayment period available for a given loan.
7 years
8 years
Minimum APR
The minimum APR represents the lowest possible interest rate available to qualified applicants.
7.60%
6.99%
Maximum APR
The maximum APR represents the highest potential interest rate a borrower could receive.
29.99%
29.99%
Car Loan
Yes
Yes
Truck Loan
Yes
Yes
SUV Loan
Yes
Yes
Van Loan
Yes
Yes
RV Loan
Yes
Yes
Minimum Processing Time
The minimum processing time is the fastest period in which a lender can review and approve a loan.
1 day
1 day
Maximum Processing Time
The maximum processing time is the longest duration a lender may take to finalize a loan decision.
2 days
1 day
Same-Day Approval
Same-day approval means the lender can review and approve your loan application within the same day.
No
Yes
Same-Day Funding
Same-day funding means approved funds are deposited into your account on the same day as approval.
No
Yes
Bankruptcy Friendly
Bankruptcy-friendly loans are available to applicants who have a past or discharged bankruptcy.
No
No
Consumer Proposal Friendly
Consumer proposal-friendly loans are open to borrowers currently under or who have completed a consumer proposal.
No
No
Debt Consolidation Friendly
Debt consolidation-friendly loans allow borrowers to combine multiple debts into a single manageable payment.
No
No
Flexible Repayment
Flexible repayment allows borrowers to choose or adjust repayment schedules to fit their budget.
No
No
Unsecured Loans Available
Unsecured loans are offered without requiring any collateral, based solely on the borrower’s credit and income.
No
No
Loan Requirements
Minimum Credit Score
The minimum credit score is the baseline score required to qualify for a loan.
600
500
Maximum Credit Score
The maximum credit score typically accepted or considered for the best loan terms.
900
900
Minimum Monthly Income
The minimum monthly income is the lowest income required each month to qualify for a loan.
$1,500
$2,000
Minimum Yearly Income
The minimum yearly income is the total annual income needed to meet the lender’s eligibility criteria.
$18,000
$24,000
Minimum Income Time
The minimum income time is the required period you must have earned a stable income before applying.
3 months
3 months
Minimum Age
The minimum age is the youngest age at which an applicant is eligible to apply for a loan.
18
18
Canadian Bank Account
A Canadian bank account is required to verify identity and receive approved loan funds.
Yes
Yes
Required Down Payment
The required down payment is the upfront amount you must pay before receiving the full loan amount.
20%
0%
AB Availability
Indicates whether the lender’s loans or services are available to residents of Alberta.
Yes
Yes
BC Availability
Indicates whether the lender’s loans or services are available to residents of British Columbia.
Yes
Yes
MB Availability
Indicates whether the lender’s loans or services are available to residents of Manitoba.
Yes
No
NB Availability
Indicates whether the lender’s loans or services are available to residents of New Brunswick.
Yes
Yes
NL Availability
Indicates whether the lender’s loans or services are available to residents of Newfoundland and Labrador.
Yes
Yes
NS Availability
Indicates whether the lender’s loans or services are available to residents of Nova Scotia.
Yes
Yes
NT Availability
Indicates whether the lender’s loans or services are available to residents of the Northwest Territories.
Yes
No
NU Availability
Indicates whether the lender’s loans or services are available to residents of Nunavut.
Yes
No
ON Availability
Indicates whether the lender’s loans or services are available to residents of Ontario.
Yes
Yes
QC Availability
Indicates whether the lender’s loans or services are available to residents of Quebec.
Yes
No
PE Availability
Indicates whether the lender’s loans or services are available to residents of Prince Edward Island.
Yes
Yes
SK Availability
Indicates whether the lender’s loans or services are available to residents of Saskatchewan.
Yes
Yes
YT Availability
Indicates whether the lender’s loans or services are available to residents of Yukon.
Yes
No
Fees
Membership Fee
A membership fee is a one-time or recurring charge required to access the lender’s services.
$0
$0
Missed Payment Fee
A missed payment fee is charged when a scheduled loan payment is not made on time.
$0
$0
Deposit Methods
Bank Deposit
Bank deposit means loan funds are sent directly to your Canadian bank account.
Yes
Yes
E-Transfer Deposit
E-transfer deposit means funds are delivered quickly via secure Interac e-Transfer.
No
No
Revolut Deposit
Revolut deposit allows funds to be sent directly to your Revolut digital banking account.
No
No
Paypal Deposit
PayPal deposit means funds are transferred to your linked PayPal account for easy access.
No
No
Wise Deposit
Wise deposit means your loan funds are transferred through the Wise money transfer platform.
No
No
Platform
Broker
A broker connects borrowers with multiple lenders to find suitable loan options.
Yes
Yes
Direct Lender
A direct lender provides loan funds directly without involving third-party brokers.
No
No
Website
The website is the lender’s online platform for applying, managing, or learning about loans.
Yes
Yes
Mobile App
The mobile app allows borrowers to apply for and manage their loans conveniently from a phone.
No
No
24-7 Support
24/7 support ensures customer assistance is available at any time, day or night.
No
No
Chat Support
Chat support lets borrowers communicate with customer service through live or automated online chat.
No
No
Online Application
An online application allows you to apply for a loan digitally from any device.
Yes
Yes
