Personal Loans in Canada
Flexible personal loans from $500 to $15,000 for Canada residents, all credit types considered.
Free · No obligation · Won't affect your credit score · SSL encrypted
Personal Loans for Canadians
Looking for personal loans anywhere in Canada? Unlike payday loans, personal loans are private installment lending — repaid over months and capped by the federal criminal interest rate of 35% APR (Criminal Code s. 347) rather than provincial payday rules. Aarao matches you with private lenders offering transparent, fixed-payment terms nationwide.
What a personal loan is and how it works
Across Canada, Aarao helps borrowers understand what a personal loan is and how it works. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Unsecured vs secured lending
Across Canada, Aarao helps borrowers understand unsecured vs secured lending. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Affordability-based approval across all credit profiles
Across Canada, Aarao helps borrowers understand affordability-based approval across all credit profiles. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Choosing an amount and repayment term
Across Canada, Aarao helps borrowers understand choosing an amount and repayment term. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Interest, APR and total cost of borrowing
Across Canada, Aarao helps borrowers understand interest, apr and total cost of borrowing. Every offer shows the full cost in plain language before you commit, and the exact limits depend on your province or territory.
Personal Loans, mapped by how you need them
Personal Loans vary less by the loan itself than by how you get funded, how fast, how you apply, and what income you rely on. Each option below opens a dedicated page built for that exact need — this page stays the broad overview, and the specifics live one level down.
By speed & availability
By application type
By income source
Personal Loans by Province
Although personal loans follow the same federal 35% APR cap nationwide, lender availability and local options vary. Select your province or territory to see personal loans where you live.
Personal Loans FAQs — Canada
Private lenders · ≤ 35% APR. $500–$15,000. Fast e-Transfer funding.
Apply Free →Contact our team →Responsible borrowing: Borrow only what you can repay. If you are struggling with debt, contact the Credit Counselling Society at 1-888-527-8999 — a free, non-profit service.