Compare Canada's best personal loans — without the sales pitch
RatePine is an independent comparison service. We verify lender rates against primary sources, rank them by published criteria, and never let compensation touch the rankings. We don't lend money — we help you choose who should.
Verified, dated rates
Every APR and rate cap on this site is checked against the lender's own rate page or the regulator — and carries a visible "verified" date (latest: 2026-07-10).
Rankings you can audit
Offers are scored on five published criteria — cost, transparency, eligibility, experience, speed. Read the methodology, weights and all.
Not a lender. Ever.
We don't take applications or make credit decisions. You apply directly with the licensed lender — we just make the comparison honest.
Compare personal loans in your province
Loan rules, rate caps and available offers are provincial — an offer that's valid in Ontario may not exist in Quebec. Start with where you live:
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
How does RatePine work?
We compare personal loan offers from licensed Canadian lenders using published, criteria-based rankings — never pay-to-play placement. When you click through to a lender we may be compensated, but compensation cannot change a score or a position. The full picture is on our methodology page and about us.
What does a personal loan cost in Canada?
Since January 1, 2025, federal law caps most consumer lending at 35% APR (Criminal Code s. 347). Your actual rate depends on your credit profile, income, loan size and term — lenders on this site publish representative ranges from 9.99% APR and up. Payday loans are regulated separately at a maximum cost of $14 per $100 borrowed.