104 live offers

Compare banks, accounts and borrowing in Canada.

Compare the APR from licensed lenders in Canada. No credit pull to look.

Purpose
$15,000
$1,000$100,000
5 years
12 months15 years
$311Representative monthly cost

How we calculated this

The figure is a representative example, not an offer. It is built from one live deal — never the lowest rate from one lender and the lowest fee from another.

How we calculated thisRepresentative example (LoanConnect): an annuity loan of $15,000 ($500–$60,000) over 60 months (3–120). Nominal rate 8.99%, APR 9.37%. That costs $311 per month across 60 payments, $18,678 in total. No set-up or monthly fees in this example. APR among the lenders that match your request: 8.99%–35.00%, set individually. Updated 2026-09-30.

Effective rates among matching lenders are set individually. Not an offer.

Match me for Personal loans
Compare personal loans without matching
  • ✓No credit pull to look
  • ✓Published rates, not estimates
  • ✓Supervised by OSFI and the FCAC
  • ✓CDIC coverage up to $100,000
Live · CA
Scotiabank9.99%
Neo Financial19.99%
Tangerine20.95%
Scotiabank SMB20.99%
Simplii Financial21.99%
LoanConnect8.99%
Scotiabank9.99%
Neo Financial19.99%
Tangerine20.95%
Scotiabank SMB20.99%
Simplii Financial21.99%
LoanConnect8.99%
Top of the list

The cheapest offers right now

The same order you will find on each category page: published rate, lowest first.

01
Spring Financial Personal Loan
8.54.3(1)
9.99%≈ $319/mo
02
LoanConnect
8.74.4(1)
8.99%≈ $311/mo
03
Simplii Financial Personal Line of Credit
8.74.4(1)
04
Simplii Financial Personal Loan
8.74.4(1)
05
Tangerine Line of Credit
8.94.5(1)
Order never affected by payment · Labels are derived from the published terms in this list — the lowest rate, the fastest stated payout, the widest amount range — and are recalculated whenever the list changes. They are not paid placements.See every personal loans offer
Rates board

Today's lowest published rates in Canada

Read directly from each provider's product feed. Tap a row to see every live offer in that category.

How Buckmatch works

Tell us what you need. We'll show the lenders that fit.

Three short steps. We match you against every lender licensed in Canada that will lend the amount and term you asked for, then show a ranked shortlist.

  1. 01
    Tell us what you need
    Amount, term and purpose. About a minute, no credit file touched.
  2. 02
    We shortlist licensed lenders
    Only providers licensed in Canada whose published criteria fit your request.
  3. 03
    You apply with the lender
    Every link goes straight to the provider. Any agreement is between you and them.
Match me
We never run a credit search.
Credit cards

Cards you can apply for.

Live from issuers we have a distribution agreement with in this market.

Browse all cards
Scotiabank logo
Scotiabank
Scotiabank Platinum American Express Card
AMEX
1

Scotiabank Platinum American Express Card

8.74.4(1)

from Scotiabank

2–5 pts/$
Rewards
$399
Annual fee
9.99%
Purchase rate
  • Consumer
  • Reward points

2 Scene+ points/$ on eligible purchases; 5 points/$ on eligible hotels and car rentals booked through Scene+ Travel.

APR
9.99%

Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank logo
Scotiabank
Scotiabank Value Visa Card
VISA
2

Scotiabank Value Visa Card

8.74.4(1)

from Scotiabank

No rewards
Rewards
$29
Annual fee
13.99%
Purchase rate
  • Consumer

This card focuses on borrowing costs or USD spending rather than a points or cashback programme.

APR
13.99%

Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank logo
Scotiabank
Scotiabank Value Visa Card (for students)
VISA
3

Scotiabank Value Visa Card (for students)

8.74.4(1)

from Scotiabank

No rewards
Rewards
$29
Annual fee
13.99%
Purchase rate
  • Consumer

This card focuses on borrowing costs or USD spending rather than a points or cashback programme.

APR
13.99%

Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Canada

Local regulator, local currency, local rules.

Every product on this page is offered by an institution supervised by OSFI and the FCAC. Eligible deposits are covered by CDIC coverage up to $100,000 per person, per institution. We compare published product criteria only — no advice, no approval promises.

11 lenders46 cardsHow we make money
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Run the numbers before you sign.

See a monthly payment, total interest and payoff timeline from the same amortization math a lender uses.

Explore all calculators

Buckmatch is a comparison service for loans, mortgages, cards and deposits that are actually offered in Canada. We list licensed providers, show the APR and fees they publish, and send every application through a tracked apply link — we do not lend, and we do not invent a typical rate for this country.

What you can compare here

Start with the product you need. Personal loans are unsecured instalments. Mortgages are secured on a home. Car finance, business credit and credit cards each have their own cost drivers. The lender directory and bank list show who is live in this market today.

How ranking works

Partners pay us a fee that in most cases falls due only if you go on to be approved for or take up the product. It does not affect the order cards appear in, which is set on published price before any commercial term is read, and it never changes the numbers on the card, the disclosure, or what we write. The model is on the methodology page; the commercial rules are in the editorial policy.

Before you apply

Use a calculator to sketch the monthly cost, then match on amount and term. Browsing does not check your credit file. A hard inquiry happens only if you apply with the lender. Providers here are supervised by OSFI and the FCAC; eligible deposits are covered by CDIC coverage.

If you want the rules in plain language first, start with how Buckmatch compares loans and APR versus the headline rate.