About RatePine

RatePine is an independent comparison service for Canadian personal loans. We are not a lender, broker or agent — we don't take loan applications, make credit decisions, or handle your money. We compare offers from licensed lenders so you can choose, and you apply directly with the lender.

How do we work?

Every rate, cap and regulatory claim on this site is verified against a primary source — the lender's own published rate page, the provincial regulator, or federal law — and carries a visible verification date. Rankings follow a published methodology with fixed criteria and weights. Where we can't verify a figure, we don't publish it.

How do we make money?

When lender partnerships are in place, we may be compensated when you click through to a lender's offer. Compensation never changes a score or ranking position — the criteria are fixed and published. Every monetized page carries a disclosure, and the full explanation lives on our advertiser disclosure page.

Who is behind RatePine?

Nikolaj Kure, founder & editor, ratepine. Nikolaj Kure is the founder and editor of RatePine. He builds and runs independent comparison publications, and covers Canadian consumer lending with a simple standard: every figure sourced, dated and verified against primary sources. RatePine is operated by FTDConnect ApS — how the site makes money is disclosed on every page.

Who operates the site?

RatePine is operated by FTDConnect ApS, Strandvejen 130, DK-2900 Hellerup, Denmark. Contact: hello@ratepine.com. Questions about messaging consent and unsubscribing are answered on our sender information page.