{"id":15647,"date":"2022-11-15T07:59:28","date_gmt":"2022-11-15T15:59:28","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=15647"},"modified":"2024-05-06T14:23:57","modified_gmt":"2024-05-06T21:23:57","slug":"loans","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/loans","title":{"rendered":"Loans"},"content":{"rendered":"\n

Loans<\/h1>
A loan can help you consolidate debt or finance a large purchase. Understanding how different loans work will help you choose the best product for your needs.<\/div><\/div><\/div>\n\n\n
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\n\t\t\t\n\t\t\t\n\t\t\t\tPartner Spotlight\t\t\t<\/span>\n\t\t<\/div>\n\t\n\t\n\n\t\t\t\t\t
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Get Multiple Loan Offers in Under 60 Seconds!<\/h3>\n\t\t\t\t\t\t\t

\n\t\t\t\t\tA Leader in Personal Loan Solutions for Canadians! Pre-Approvals up to $50,000. Choose the rates & terms that work for you<\/strong>. A Safe and Secure System that allows you to search a network of Canadian lenders.\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\n\t\t

APPLY NOW<\/a><\/div>\t<\/div>\n<\/div>\n\n\n\n\t
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\n\t\t\t\tLoan types\t\t\t<\/h4>\n\t\t\n\t\t
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow Car Loans Work in Canada\t<\/a>\n<\/h4>\n\n\t
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A car loan is a way to purchase a new or used vehicle when you lack the cash to buy it outright. Car loans are available from banks and credit unions, as well as online lenders.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"What\t<\/a>\n\t\t\t
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\n\t\n\t\tWhat Is a Personal Loan?\t<\/a>\n<\/h4>\n\n\t
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A personal loan allows you to borrow money from a bank, credit union or alternative lender. The loan accrues interest and has a set repayment schedule.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tWhat Is a Car Title Loan?\t<\/a>\n<\/h4>\n\n\t
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Car title loans allow you to borrow money using your vehicle as collateral. Title loans have high interest rates, and could result in loss of the vehicle if you fail to make payments.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Helen Burnett-Nichols<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tWhat Is a Payday Loan?\t<\/a>\n<\/h4>\n\n\t
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Payday loans can provide quick access to cash in an emergency, often without a credit check. But you\u2019ll pay a high interest rate and additional fees.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Helen Burnett-Nichols<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n\n\t
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\n\t\t\t\tPersonal loan basics\t\t\t<\/h4>\n\t\t\n\t\t
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow Do I Get a Personal Loan? Cost, Eligibility and Credit Score\t<\/a>\n<\/h4>\n\n\t
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To get a personal loan in Canada, you’ll have to meet common requirements around age, residency, income, and credit score.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Personal\t<\/a>\n\t\t\t
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\n\t\n\t\tPersonal Loan vs. Line of Credit: How to Choose\t<\/a>\n<\/h4>\n\n\t
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The difference between a line of credit and a loan is that a loan is borrowed as a lump sum, while a line of credit can be used and repaid on an ongoing basis.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Sandra MacGregor<\/a>\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"What\t<\/a>\n\t\t\t
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\n\t\n\t\tWhat is an Unsecured Personal Loan?\t<\/a>\n<\/h4>\n\n\t
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An unsecured personal loan doesn\u2019t require collateral and typically has a faster approval process. However, it may come with higher interest rates.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n
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Personal loan calculator<\/h3>\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tCompare two loan options side by side to estimate monthly payment and total cost\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t

Try the calculator<\/a><\/div>\t\t\t<\/div>\n\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\"Ad\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n\t
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\n\t\t\t\tHow to use a personal loan\t\t\t<\/h4>\n\t\t\n\t\t
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\n\t\t\t\n\t\t\"Should\t<\/a>\n\t\t\t
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\n\t\n\t\tShould You Use a Personal Loan for Home Improvements?\t<\/a>\n<\/h4>\n\n\t
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Personal loans are funded quickly and feature lower interest rates than credit cards, but may be too restrictive for major home improvement projects.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Nora Dunn<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\t8 Do’s and Don’ts of Personal Loan Repayment\t<\/a>\n<\/h4>\n\n\t
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Your personal loan repayment strategy will be unique to your loan terms and financial situation. Here’s what to keep in mind before you apply.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Nora Dunn<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Personal\t<\/a>\n\t\t\t
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\n\t\n\t\tPersonal Loan Rates in Canada\t<\/a>\n<\/h4>\n\n\t
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Personal loan interest rates can be either fixed or variable. Your rate depends on factors like your income, credit score, term, type of loan and more.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Clay Jarvis<\/a>\"\"Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n\n\t
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\n\t\t\t\tChoosing the right loan\t\t\t<\/h4>\n\t\t\n\t\t
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\n\t\t\t\n\t\t\"Debt\t<\/a>\n\t\t\t
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\n\t\n\t\tDebt Consolidation Loan vs Personal Loan: How to Choose\t<\/a>\n<\/h4>\n\n\t
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A debt consolidation loan and personal loan have many similarities, but may differ on qualification requirements, collateral requirements, interest rate and loan limit.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"HELOC\t<\/a>\n\t\t\t
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\n\t\n\t\tHELOC vs Personal Loan: How to Choose\t<\/a>\n<\/h4>\n\n\t
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A HELOC is a type of revolving credit available to homeowners with ample equity, while a personal loan is a fixed-sum financing option available to all qualified borrowers.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Small\t<\/a>\n\t\t\t
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\n\t\n\t\tSmall Business Loan vs. Personal Loan: How to Choose\t<\/a>\n<\/h4>\n\n\t
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Small business loans typically have higher loan limits and lower interest rates, but personal loans may be easier to qualify for.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Hannah Logan<\/a>\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Personal\t<\/a>\n\t\t\t
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\n\t\n\t\tPersonal Line of Credit vs Home Equity Loan: How to Choose\t<\/a>\n<\/h4>\n\n\t
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A personal line of credit is a type of revolving credit that works similarly to a credit card, and a home equity loan is a lump-sum loan for homeowners.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n\n\t
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\n\t\t\t\tThe latest in loans\t\t\t<\/h4>\n\t\t\n\t\t
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\n\t\n\t\tDon\u2019t Need (or Want) Student Loans? Here\u2019s Why You Should Apply Anyway\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Deborah Kearns<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tAnswers to 3 Common Questions About Student Loan Repayment\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Janine DeVault<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tGood Deed or Risky Business? Read This Before Co-Signing a Loan\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Deborah Kearns<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tNeed a Loan? Here’s How to Be a Savvy Borrower\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Kurt Woock<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tCan’t Afford Your Car Loan? Here’s What to Do\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Hannah Logan<\/a>\"\"Beth Buczynski<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tSecured vs. Unsecured Loan: How to Choose\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Helen Burnett-Nichols<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

A loan can help you consolidate debt or finance a large purchase. Here’s what you need to know to pick the best loan product for your needs.<\/p>\n","protected":false},"author":12,"featured_media":12,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[337],"topic":[338],"cluster":[339],"pp_author":[34],"acf":[],"apple_news_notices":[],"yoast_head":"\nLoans - NerdWallet Canada<\/title>\n<meta name=\"description\" content=\"A loan can help you consolidate debt or finance a large purchase. Here's what you need to know to pick the best loan product for your needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nerdwallet.com\/ca\/loans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loans - NerdWallet Canada\" \/>\n<meta property=\"og:description\" content=\"A loan can help you consolidate debt or finance a large purchase. 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