Transparency First
Loan Disclosure
We believe informed borrowers make better decisions. Here's everything you need to know about the loan offers available through Ontario Credit Solutions.
Personal Loan Disclosure
Representative Example
For example, a $2,000 unsecured personal loan at 29.96% APR repaid over 24 months would have monthly payments of approximately $111.78, for a total repayment of $2,682.83.
The maximum annual percentage rate (APR) on personal loans available through our lending partners is 35%, in compliance with Canadian federal law (Criminal Code s.347). The actual APR you receive depends on your credit profile, the lender, loan amount, and repayment term. Not all applicants will qualify for the lowest rate.
Additional fees such as administration or origination fees may apply and vary by lender. These fees are included in the APR calculation where applicable.
Affiliate Disclosure
Ontario Credit Solutions is a loan comparison and referral service — we are not a lender. We connect Canadians with licensed lending partners and may receive compensation when you are matched with a lender through our platform. This does not affect the rates or terms offered to you by the lender. Loan approval, interest rates, and repayment terms are determined solely by the individual lender based on your application and credit profile.
All rates, terms, and loan amounts shown are subject to change and may vary by province. Checking your rate through our partners typically uses a soft credit inquiry that does not affect your credit score. A hard credit inquiry may be performed by the lender if you choose to proceed with a formal loan application.
Last updated: March 9, 2026