Can I get a loan with bad credit in Canada?

Yes. We work with specialized lenders in Canada who focus on your income and ability to repay rather than just your credit score. Approval rates for scores under 600 are high.

How fast can I get the money?

Most applications receive an instant decision. Once approved, funds are typically deposited via Interac e-Transfer or direct deposit within 24 hours.

Canadian Lending Network

Safe, secure, and fast approvals for all credit types.

Step 1/9

How much would you like to borrow?

Choose an amount to see your estimated rates.

Amounts over $10,000 may require additional income verification.

What is the primary purpose?

Helping us understand your needs improves approval odds.

Estimated Credit Score

This does not affect your credit score.

Employment Status

How do you currently earn income?

Monthly Income

Total monthly income before taxes.

Housing Situation

Homeowners may qualify for lower rates.

Mailing Address

Required for identity verification (KYC).

Street Address

City

Postal Code

Province

Personal Details

Please use your legal name.

First Name

Last Name

Date of Birth

Last Step

Where should we send your approval details?

Email Address

Phone Number

By clicking "Get Approved", I agree to the Privacy Policy. I understand this site connects me with lenders who may perform a soft credit check (no score impact).

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Bad Credit Loans in Canada

Getting a loan with bad credit in Canada doesn't have to be difficult. Credit Relief Canada specializes in connecting Canadians with guaranteed approval loan options regardless of credit history.

Whether you need emergency cash, debt consolidation, or funds for home repairs, our network of lenders looks beyond your credit score. We focus on your current income and ability to repay.

No Credit Check Options Available
Instant Decision (24/7)
Funds via Interac e-Transfer

Frequently Asked Questions

Can I get a loan with a 500 credit score?

Yes. Many of our lending partners specialize in "bad credit" scenarios. A score of 500 is often sufficient if you have a steady source of income.

Is there a hard credit check?

Applying through our portal typically involves a "soft check" which does not impact your credit score. Hard checks are usually only performed at the final stage of funding with your consent.

How fast will I get the money?

Once approved, most lenders in our network utilize Interac e-Transfer for funding, meaning you could have the cash in your account within 1-24 hours.