Can I get a personal loan in Canada with bad credit?

Yes! Many of our lending partners specialize in helping Canadians with less-than-perfect credit. Even if you've been turned down by banks, you may still qualify for a personal loan through our network of alternative lenders.

How much can I borrow with a personal loan in Canada?

Personal loan amounts typically range from $300 to $5,000 CAD through our lending partners. The exact amount you qualify for depends on factors like your income, credit history, and province of residence.

How fast can I get approved for a loan in Canada?

Most applications receive a decision within minutes. Once approved, funds can be deposited into your Canadian bank account as soon as the next business day, though timing may vary by lender.

Do you offer personal loans in all Canadian provinces?

Yes, we connect borrowers with lenders across all 10 Canadian provinces: Ontario, Quebec, British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, and Prince Edward Island.

Will applying for a loan affect my credit score?

No. When you check your rate through 365 Loans, we use a soft credit inquiry that does not impact your credit score. A hard inquiry only occurs if you decide to accept a loan offer and proceed with a lender.

What do I need to apply for a personal loan in Canada?

To apply, you'll typically need to be at least 18 years old (19 in some provinces), have a valid Canadian bank account, provide proof of income, and have a permanent address. Requirements may vary by lender.

Personal Loans Across Canada

Find personal loans from $300 to $5,000 CAD in your province or city. Compare offers from trusted Canadian lenders — bad credit welcome.

All 10 provinces & 3 territories covered

Same-day approval available

PIPEDA-compliant & secure

Loans by Province & Territory

Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

Loans by City

Alberta(91 cities)

Personal Loans for Canadians in Every Province

365 Loans connects Canadians with trusted lenders across the country. Whether you live in a major city like Toronto, Vancouver, or Montreal, or a smaller community in rural Canada, our network of licensed lenders can help you access the funds you need quickly and securely.

Our lenders understand Canadian regulations and provincial lending laws. From Ontario's consumer protection standards to British Columbia's business practices, our partners comply with all local requirements to ensure a safe borrowing experience.

Why Canadians Choose 365 Loans

Fast Online Application: Complete your application in just 2 minutes from any device.
Compare Multiple Lenders: See offers from several lenders with one application.
All Credit Types Welcome: Bad credit, fair credit, or good credit — we have options for everyone.
No Impact on Credit Score: Checking your rate uses a soft pull that won't affect your credit.
Quick Funding: Get funds deposited as soon as the next business day.

Personal Loans in Major Canadian Cities

Our lending partners serve Canadians in cities of all sizes. The most popular locations for personal loan applications include:

• Toronto, Ontario

• Vancouver, BC

• Montreal, Quebec

• Calgary, Alberta

• Edmonton, Alberta

• Ottawa, Ontario

• Winnipeg, Manitoba

• Mississauga, Ontario

• Halifax, Nova Scotia

How to Apply for a Personal Loan

Choose your location — Select your province or city from the list above.
Complete the form — Provide basic information about yourself and the loan amount you need.
Compare offers — Review loan offers from multiple lenders.
Get funded — Accept your preferred offer and receive funds quickly.

Ready to Get Your Personalized Loan Offers?

Join thousands of Canadians who have found the right personal loan through 365 Loans. Apply now — checking your rate won't affect your credit score.

Apply Now

No obligation • Takes only 2 minutes • All credit types welcome

Personal Loans Across Canada

Loans by Province & Territory

Loans by City

Alberta(91 cities)

British Columbia(108 cities)

Manitoba(34 cities)

New Brunswick(33 cities)

Newfoundland and Labrador(35 cities)

Northwest Territories(7 cities)

Nova Scotia(36 cities)

Nunavut(8 cities)

Ontario(213 cities)

Prince Edward Island(18 cities)

Quebec(96 cities)

Saskatchewan(44 cities)

Yukon(7 cities)

Personal Loans for Canadians in Every Province

Why Canadians Choose 365 Loans

Personal Loans in Major Canadian Cities

How to Apply for a Personal Loan

Ready to Get Your Personalized Loan Offers?