No Credit Check Loans in Quebec
Find and compare personal loans that use a soft inquiry and don't require a hard credit pull — available to borrowers throughout Quebec. Our lending partners serve all major cities and communities across the province.
No Credit Check Loan Lenders Serving Quebec (2026)
All lenders below operate across Canada (including Quebec) and comply with 35% APR (Criminal Rate of Interest cap). Starting APRs shown — your actual rate depends on credit, income and loan amount.
| Lender | Starting APR | Loan Range | Min. Credit | Funding |
|---|---|---|---|---|
| Spring Financial | 9.99% | $500 – $35,000 | Soft pull only | Same-day e-Transfer |
| Loans Canada (broker) | 9.90% | $300 – $50,000 | Soft pull only | 1–2 business days |
| LoanConnect (broker) | 8.99% | $500 – $50,000 | Soft pull only | 24–48 hours |
About No Credit Check Loans in Quebec
Borrowers in Quebec can compare personal loan offers without a hard credit inquiry. Our matching process uses only a soft check, leaving your credit score unaffected until you choose to proceed with a specific lender.
In Quebec, personal loans are regulated under the Consumer Protection Act, enforced by the Office de la protection du consommateur (OPC). Lenders must hold a permit from the OPC, and the credit contract must clearly state the credit rate, total charges and right of cancellation.
To get started, complete our short 2-minute application. We use a soft credit inquiry — this has no impact on your credit score. You only agree to a specific loan offer if you choose to accept it, at which point the lender may perform a full credit check.
Eligibility for No Credit Check Loans in Quebec
- Be at least 18 years old and a resident of Quebec
- Have an active bank account for direct deposit
- Have a verifiable source of income
- Have a permanent address in Canada
- Only a soft credit inquiry is used during the matching process — no hard pull
- Your credit score is not impacted when checking your rate through 365 Loans
- A hard inquiry may occur if you accept an offer from a specific lender
Communities in Quebec We Cover
No Credit Check loan options are available to residents of every community listed below. Apply once and we match you with lenders serving your area.
Alma · Amos · Amqui · Asbestos · Aylmer · Baie-Comeau · Bedford · Beloeil · Berthierville · Blainville · Boisbriand · Boucherville · Bromont · Brossard · Buckingham · Cabano · Candiac · Carleton-sur-Mer · Chandler · Chapais · Châteauguay · Chibougamau · Cowansville · Delson · Deux-Montagnes · Dolbeau-Mistassini · Dollard-des-Ormeaux · Drummondville · Edmundston · Farnham · Gaspé · Gatineau · Granby · Grand-Mère · Hull · Joliette · L'Assomption · La Pocatière · La Prairie · La Sarre · La Tuque · Lac-Mégantic · Lachute · Laval · Lévis · Longueuil · Louiseville · Magog · Maniwaki · Mascouche · Matane · Mirabel · Mont-Laurier · Mont-Saint-Hilaire · Mont-Tremblant · Montmagny · Montreal · New Richmond · Percé · Plessisville · Pointe-Claire · Quebec City · Rawdon · Repentigny · Rimouski · Rivière-du-Loup · Roberval · Rosemère · Rouyn-Noranda · Saguenay · Saint-Bruno-de-Montarville · Saint-Donat · Saint-Eustache · Saint-Hyacinthe · Saint-Jean-sur-Richelieu · Saint-Jérôme · Saint-Lambert · Saint-Laurent · Saint-Sauveur · Sainte-Adèle · Sainte-Agathe-des-Monts · Sainte-Catherine · Sainte-Julie · Sainte-Thérèse · Sept-Îles · Shawinigan · Sherbrooke · Sorel-Tracy · Terrebonne · Thetford Mines · Trois-Rivières · Val-d'Or · Varennes · Vaudreuil-Dorion · Victoriaville · Ville-Marie
Frequently Asked Questions About No Credit Check Loans in Quebec
Can I get a no credit check loan anywhere in Quebec?▾
Are no credit check loan regulations different in Quebec?▾
What cities in Quebec can I apply from?▾
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