Find personal, car, business and debt relief options that fit your credit and your budget. Free to use, 100% online, and we never lend you money ourselves.
A few quick questions. Takes about 3 minutes.
Checked against official and credit bureau sources in October 2026.
Read the plain-English guide first, or go straight to comparing offers from Canadian partners.
For emergencies, repairs, moves or consolidating cards.
New or used vehicles, from dealers or private sellers.
Working capital, equipment, inventory and growth.
Too many payments, collection calls or high-interest cards.
Build credit or earn partner cash back with no annual fee.
Choose a loan type and answer a few questions about the amount, your income and your situation.
See Canadian lenders you may qualify with. Look at the APR and total cost, not just the monthly payment.
You apply directly with the lender. They make the decision, and many fund within 24 to 48 hours of approval.
Researched, fact-checked and linked to their sources.
LoanWave doesn’t lend money, make credit decisions or charge you fees. We compare options and send you to third-party lenders, who set every rate and term.
We may earn a commission when you apply through our links. It never changes what you pay, and partners don’t review our guides.
How we make moneyEvery guide is checked against the Financial Consumer Agency of Canada, the Bank of Canada, the Office of the Superintendent of Bankruptcy, federal law and Equifax Canada data. Sources are listed at the end of each article, with the date it was last reviewed.
We don’t publish fake reviews, guarantee approvals or promise rates we can’t see.
Read our editorial standardsNo. LoanWave.ca is a free comparison and referral service. We connect you with third-party lenders and may earn a commission when you apply or are approved. Lenders make all credit decisions.
Yes. Many partners work with fair and bad credit. Approval and rates depend on your income, employment and overall finances, and no legitimate lender can charge more than 35% APR on most consumer loans.
Initial pre-qualification with most partners uses a soft check, which does not affect your score. A full application with a lender may include a hard credit check.
Many online lenders give a decision within minutes and fund within 24 to 48 hours after approval. Banks and government-backed business loans usually take longer.
No. Comparing offers through LoanWave is always free, and you’re never obligated to accept an offer.