Loan options.
For real life.
The unexpected bill. The next big plan. Explore Canadian financing options, all in one place.
Free to explore. No obligation to accept an offer.
Your next chapter starts here.
for you?
Explore your options
Room for your 
For real life.For your next step.
Made in CanadaFor Canadians
Free to exploreYour choice. Always.
LESS RUNNING AROUND
A little simpler.
Step by step.
01Start with your plans
Choose the type of financing you want to explore.
02Tell us a little more
Complete the partner form and review its consent details.
03Choose what works for you
Review any offer with the provider. You decide whether to proceed.
Made for Canada
Apply online, anytimeREAL LIFE. DIFFERENT NEEDS.
What’s on
your horizon?
A car, a home, a fresh start. Pick a place to begin—we’ll help you explore the options.
Personal loans
For the everyday unexpected
An unexpected repair or a project you’ve been putting off? Explore personal financing with a repayment plan that fits your budget.
- Maximum loan
- $50,000
- APR
- Varies by lender
Cash advance
For a short-term cash need
When an expense arrives before your income, explore short-term borrowing options. Compare the fees and repayment date before choosing.
- Maximum advance
- $750
- Rates & fees
- Vary by provider
Payday loan
Explore your options before payday
Looking for help between paydays? Explore borrowing options and payday loan alternatives, with the total cost and your next paycheque in mind.
- Maximum loan
- $2,500
- Borrowing cost
- Varies by province & provider
Car loans
For wherever life takes you
Your first car or your next upgrade. Explore vehicle financing and compare payments, loan length and total cost before getting behind the wheel.
- Loan amount
- Based on vehicle & eligibility
- APR
- Varies by lender
Debt relief & consolidation
For a clearer repayment plan
Several balances, several due dates. Explore debt relief and consolidation options to understand what a more manageable repayment plan could look like.
- Amount covered
- Based on your debts & plan
- Rates & fees
- Depend on the solution
Mortgage & home equity
For the place you call home
Buying a home, renewing your mortgage or planning renovations? Explore mortgage and home equity options for your next chapter.
- Loan amount
- Based on property & eligibility
- Interest rate
- Varies by lender & product
MORE LIVING. LESS GUESSING.
A little less searching.
A lot more clarity.
Creditly brings your starting points together. Explore personal loans, vehicle financing, debt consolidation and home equity without bouncing from one category to the next.
We’re a comparison service, not a lender. The provider sets the terms. You make the decision.
Meet CreditlyBEFORE YOU SAY YES
The payment is
only part of the picture.
The whole cost
Interest, fees and total repayment.
The right rhythm
Payments that work with your budget.
The fine print
Know the terms before you commit.
A LITTLE KNOW-HOW
Clarity before commitment.
Payday loan alternatives in Canada
An urgent expense deserves a clear decision. Understand the repayment plan before choosing a short-term loan.
Read the guideTHE BORROWING GUIDE / 02Exploring loans with bad credit in Canada
Your credit history is one part of the picture. Here are the questions to ask before another application.
Read the guideGOOD QUESTIONS. CLEAR ANSWERS.
Let’s clear a few things up.
What does Creditly do?
Creditly is a Canadian loan comparison and referral service. We help you explore borrowing options through partner forms. Creditly is not a lender and does not decide whether your application is approved.
Is Creditly free to use?
Creditly’s comparison service is free to use. We may be paid for referring you to a provider. Any loan you accept has its own interest, fees and repayment conditions, which you should review with the lender.
Can I explore loans with bad credit?
You can explore options, but eligibility is determined by the provider. Your income, existing debts and credit history may affect the products and terms available. No credit profile guarantees approval.
Are “no refusal” loans guaranteed?
No. A loan application can be declined. Treat “no refusal” and “guaranteed approval” claims carefully, and read the eligibility requirements before applying. Creditly does not promise approval or a particular rate.
Will there be a credit check?
Credit checks depend on the provider and product. Read the form’s consent information and ask whether any check is soft or hard before proceeding. Exploring this website alone does not request a credit report.
Can I receive money the same day?
Some providers may offer same-day funding after approval. Timing depends on verification, the provider, your bank and business hours. Submitting a form does not guarantee funding or a payment date.
What should I compare before accepting a loan?
Compare the total repayment amount, interest, fees, payment schedule and late-payment terms. Make sure the payments leave room for your regular expenses. Ask the provider to explain anything unclear in writing.
Can I use Creditly in French?
Yes. Switch languages from the navigation. French product pages use the French partner forms available in the existing Creditly service. Product availability and provider terms may vary by province.
YOUR NEXT STEP, YOUR CALL
Big plans.
Small first step.
Explore my optionsFree to explore. No obligation to accept an offer.