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Compare personal loans and debt consolidation options from Canadian lenders — for planned expenses, emergencies, or combining higher-interest debt into one predictable payment. See our methodology.
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Rates and loan amounts shown are illustrative examples for demonstration purposes. Your actual rate depends on your credit profile and the lender’s underwriting. Always confirm current terms directly with the provider.
Guide
Personal Loans vs. Lines of Credit
A personal loan gives you a lump sum with a fixed payment and end date. A line of credit is flexible but usually carries a variable rate — the right choice depends on whether you need a one-time amount or ongoing access.
Guide
How Debt Consolidation Works
Combining several higher-interest debts (credit cards, other loans) into a single lower-rate loan can simplify payments and reduce total interest — but only if you don’t run the old balances back up.
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Loan Payment Calculator
Estimate your monthly payment and total interest on a personal loan based on amount, rate, and term.