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Top 15 Personal Loan Lenders in Canada (2025 Edition)

Here’s a comprehensive list of the top 15 personal loan lenders in Canada (2025). This includes traditional banks, credit unions, and online or alternative lenders. We've included key info on interest rates and the estimated credit score required to qualify.

Big Banks and Digital Banks

CIBC
Interest Rate: ~4.95%+ (variable)
Credit Score Required: Good to Excellent (700+)

BMO (Bank of Montreal)
Interest Rate: ~4.95%+ (variable)
Credit Score Required: Good to Excellent (700+)

RBC (Royal Bank of Canada)
Interest Rate: 9% – 13%
Credit Score Required: Good

TD Bank
Interest Rate: 8.99% – 23.99%
Credit Score Required: Good

Scotiabank
Interest Rate: 6% – 10%
Credit Score Required: Good to Excellent

EQ Bank (Equitable Bank)
Interest Rate: ~5% – 9%
Credit Score Required: Good to Excellent

Credit Unions

Coast Capital Savings
Interest Rate: From 9.09%
Credit Score Required: Good

Meridian Credit Union
Interest Rate: From 7.70%
Credit Score Required: Good

FirstOntario Credit Union
Interest Rate: From 9.24%
Credit Score Required: Good

Steinbach Credit Union
Interest Rate: From 8.20%
Credit Score Required: Good

Online and Alternative Lenders

Spring Financial
Interest Rate: 9.99% – 35.00%
Credit Score Required: Fair to Good (450+)

GoPeer
Interest Rate: From ~8%
Credit Score Required: Good (650+)

SympleLoans
Interest Rate: From 6.99%
Credit Score Required: Good (650+)

LendDirect
Interest Rate: 19.99% – 46.9%
Credit Score Required: Fair to Good

Magical Credit
Interest Rate: ~47% APR (3.9% monthly)
Credit Score Required: Accepts Bad Credit

Key Tips Before You Apply

• Know your credit score
  Most lenders offer the best rates to borrowers with a score above 700. A score of 650+ opens the door to competitive rates from online lenders.

• Check the APR, not just interest
  The Annual Percentage Rate (APR) includes all fees, giving you a more accurate picture of what you’ll actually pay.

• Avoid payday loans
  As of 2025, Canadian regulations cap most personal loan APRs at 35%. Payday loans remain legal but extremely costly—up to $14 per $100 borrowed (equivalent to 300%+ APR).

• Use pre-qualification tools
  Many lenders offer soft credit checks that won't affect your score but will show your estimated rate.

Final Thoughts

The best personal loan for you depends on your credit score, income, loan amount, and repayment term. Major banks and credit unions offer competitive rates for borrowers with strong credit. If your credit isn’t ideal, online lenders like GoPeer, Spring Financial, and Magical Credit provide more flexible options—though often at higher interest rates.

Before committing, compare offers side by side and calculate the total cost over the life of the loan to make the most informed decision.

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