How It WorksApply Free
Personal Loans Canada — $500 to $15,000

${amount} Personal Loans in Canada

Flexible personal loans from $500 to $15,000 for Canada residents, all credit types considered.

Every province & territory
$500–$15,000
≤ 35% APR cap
$2,500
Apply Now — FreeAll Personal Loans in Canada
Your Canada Loan
Choose an amount — see your CA offer
Loan Amount (CAD)
$500
$500 minimum · $15,000 maximum · Canada
$500$15,000
Fee Cap
35% APR max (federal)
Regulator
Criminal Code s. 347
Credit Check
None
Delivery
Interac e-Transfer
Apply for $500 in Canada →

Free · No obligation · Won't affect your credit score · SSL encrypted

Personal Loans Canada

Personal Loans for Canadians

A $2,500 loan is usually structured as an instalment loan repaid over several pay periods.

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.

Choose Your Province or Territory

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.

OntarioONBritish ColumbiaBCAlbertaABQuebecQCManitobaMBSaskatchewanSKNova ScotiaNSNew BrunswickNBNewfoundland and LabradorNLPrince Edward IslandPEYukonYTNunavutNUNorthwest TerritoriesNT
Questions & Answers

Personal Loans FAQs — Canada

Personal Loans through Aarao range from $500 to $15,000. The maximum available to you depends on your income and the rules in your province or territory.
No. Personal Loans are private, high-interest installment loans repaid over months — not single-payment payday loans. They are not covered by provincial payday-loan legislation; instead they are governed by the federal criminal interest rate cap of 35% APR (Criminal Code s. 347), and lenders do not require a payday licence.
Not necessarily. Lenders in the Aarao network weigh income and banking history alongside credit, so applicants with imperfect credit across Canada can still apply.
Once an application is approved and the agreement signed, funds are typically sent by Interac e-Transfer within minutes, anywhere in Canada.
Apply Anywhere in 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.

More Ways to Borrow

Other Loan Types Across Canada

Payday Loans$100–$1,500Installment Loans$500–$3,000Car Loans$1,000–$50,000HELOC$10,000–$250,000