A three-digit score gets you a quick no. Our lending partners look at the bigger picture, your income, your work, your real ability to repay, and match you with a personal loan from $500 to $2,500. Checking won't touch your score.
Submitting this form is a request to be connected with a lender, not an offer or a guarantee of a loan or approval. See our FAQ and disclosures below.
Working people with real situations, not just a three-digit score.
Same person, two very different answers, depending on who's looking.
One three-digit number. If it's low, the answer is usually no, no matter what else is true about you.
That's the difference that gets a real answer.
You share the full picture. We find the lender who values it. No impact on your credit to check.
Your income, your work, what you need, not just a score. Sixty seconds, fully online.
We compare your profile against lenders who approve on more than a credit number.
A lender who fits reaches out to finalize. If it works, funds are deposited quickly. You're free to say no.
Our lending partners still look, even when:
Banks usually decide on your credit score alone. Our lending partners look at the fuller picture, your income, your job, your ability to repay, so a bank's no isn't always the final word.
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.
Requests generally range from $500 to $2,500. The final amount depends on the lender and your situation.
Yes, many lending partners accept these profiles because they look past the score. Approval and terms are always the lender's call, but it's worth seeing where you stand.
Yes, 100% free for you. Our lending partners pay us only when we refer a request to them.
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.
No. A request commits you to nothing. If an offer works, you accept it; otherwise you're free to decline, at no cost.
See your real options in 60 seconds. No impact on your credit. 100% free.
See my options