Tell us what you want to borrow for. A verified finance professional who covers your postal code will get in touch to explain how loans work, what lenders look at and what to compare, so you can decide before you apply anywhere.
A verified professional will get in touch.
Not sure which fits? Describe what you want to do, and a professional can help you narrow it down.
A fixed amount repaid over a set term, not tied to anything you own.
Borrowing secured against a car or another asset. Often a lower rate, with more risk.
One loan that pays off several debts. Check the total cost over the whole term.
Credit for a vehicle, which may be secured against the car.
Often lower-cost programs for members or eligible people.
Revolving credit you can draw on, with its own fees and interest.
What you earn, and how steady it is.
Rent or mortgage, bills and other regular costs.
What you already owe and the payments you make.
How you have managed credit in the past.
Whether you are employed, self-employed or retired.
How much you want and how long you need to repay it.
Not just the headline rate in the advert.
Over the whole term, including any fees.
And what you could lose if you can't repay.
And whether you can pay off the loan sooner.
A hard inquiry shows on your file.
Check with your provincial regulator where that applies.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
A low payment can hide a long term and a high total. You hear the full amount you'd repay.
An application can show on your credit report. You hear what that means before you apply.
You get the options explained. Whether to apply is always your decision.
An unsecured loan isn't tied to anything you own. A secured loan is secured against an asset, such as a car, so the lender can take it if you can't keep up the payments. Secured loans often have lower rates, but they carry more risk.
It's the total amount a loan costs you, including interest and fees, and lenders must tell you the annual percentage rate. Ask for the exact rate, all the fees and the total you would repay, and compare them between lenders.
Yes. Federal law sets a maximum annual percentage rate for most loans, which was lowered in 2025, and some commercial loans have different limits. Provinces also regulate payday loans. Ask what applies to the loan you're being offered, and be wary of any loan that costs far more than the alternatives.
Your income, your existing debts, your credit history and your employment. They may ask for pay stubs, tax documents or bank statements to check you can afford the loan.
A formal application usually leaves a hard inquiry on your credit report that other lenders can see. Lots of applications in a short time can look worrying, so check your eligibility before you apply and don't apply to many lenders at once.
Options exist, but they can cost much more. Be wary of anyone who guarantees acceptance or asks for a fee before you get a loan. Credit unions and some community lenders have lower-cost programs, and a non-profit credit counsellor can talk you through your choices for free.
They are short-term loans, usually repaid on your next payday, and their fees are regulated by province but can still be very expensive for what you borrow. They can also become a cycle. Before you take one, ask about cheaper options or speak to a free credit counsellor.
Often, yes, but some loans charge a fee for repaying early. Ask about any fees before you sign.
Contact your lender early and ask about options. A non-profit credit counsellor can also help for free, and a licensed insolvency trustee can explain formal options.
Complain to the lender first. If you're not happy with the answer, you can contact the Financial Consumer Agency of Canada for federally regulated banks, the Ombudsman for Banking Services and Investments, or your provincial consumer protection office for other lenders. These services are free to use.
How much you want to borrow and why, roughly what you earn and owe, and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't make credit decisions. Any offer comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
All CA finance · Purchase Mortgage · Small Business Funding
Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't give financial advice or make credit decisions. Any offer comes from the firm that contacts you. Check that a lender or broker is licensed or registered with your provincial regulator where that is required before you share personal or financial details. If you are struggling with debt, free help is available from a non-profit credit counsellor.
Send your details and a verified finance professional will get in touch. Free, with no obligation.
Talk to a finance expert