Rates
Personal loan rates
Published personal loan and line of credit rates, including the vehicle loan products three lenders publish inside their own rate sheets. A published loan rate is an opening position, not a promise.
97 published rows, captured 2026-11-14 to 2026-11-15. Each row prints the figure exactly as its source published it, with the source and the row's own as-of date.
BMO
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 8.99% to 22.99% | $2,000 to $35,000; 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 8.99% to 22.99% | 1 to 5 years; $2,000 to $35,000 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 8.99% to 22.99% | Loan amount: $2,000 to $35,000; Loan term: 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
CIBC
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 9% to 10% | $3,000 to $200,000; 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 9% to 10% | 1 to 5 years; $3,000 to $200,00 as printed | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 9% to 10% | Loan amount: $3,000 to $200,000; Loan term: 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
DUCA
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | New Car Loan - 1 Year | 7.50% | New Car Loan | Rates | |
| Personal loan | New Car Loan - 2 Year | 7.60% | New Car Loan | Rates | |
| Personal loan | New Car Loan - 3 Year | 7.25% | New Car Loan | Rates | |
| Personal loan | New Car Loan - 4 Year | 6.90% | New Car Loan | Rates | |
| Personal loan | New Car Loan - 5 Year | 6.90% | New Car Loan | Rates | |
| Personal loan | New Car Loan - Variable Rate - 5 Year Max | 7.19% | New Car Loan | Rates | |
| Personal loan | RRSP Loan - 1 Year Variable | 5.20% | RRSP Loan | Rates | |
| Personal loan | RRSP Loan - 2 Year Variable | 5.70% | RRSP Loan | Rates | |
| Personal loan | RRSP Loan - 3 Year Variable | 6.20% | RRSP Loan | Rates |
Easyfinancial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 9.99% to 35% | $500 to $20,000; 9 to 84 months (7 years) | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 9.90% to 35.00% | 9 months to 10 years; $500 to $20,000 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 9.99% to 35% | Loan amount: $500 to $20,000; Loan term: 9 to 84 months (7 years) | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
Fig Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 8.99% to 29.49% | $2,000 to $35,000; 24 to 84 months (7 years) | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan (APR) | 8.99% to 29.49% | Loan amount: $2,000 to $35,000; Loan term: 24 to 84 months (7 years) | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
FirstOntario Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Fixed Rate Secured Loan | 6.89% | Personal Loans | Rates for personal members | FirstOntario Credit Union | |
| Personal loan | Fixed Rate Unsecured Loan | 8.49% | Personal Loans | Rates for personal members | FirstOntario Credit Union | |
| Personal loan | Secured Line of Credit | 6.69% | Personal Lines of Credit | Rates for personal members | FirstOntario Credit Union | |
| Personal loan | Student Line of Credit | 6.00% | Personal Lines of Credit | Rates for personal members | FirstOntario Credit Union | |
| Personal loan | Unsecured Line of Credit | 7.89% | Personal Lines of Credit | Rates for personal members | FirstOntario Credit Union | |
| Personal loan | Variable Rate Secured Loan | 7.19% | Personal Loans | Rates for personal members | FirstOntario Credit Union | |
| Personal loan | Variable Rate Unsecured Loan | 7.89% | Personal Loans | Rates for personal members | FirstOntario Credit Union |
Fora Credit
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 19.90% - 34.90% | $1,000 to $15,000; 0 - 100 months (8.3 years) | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan (APR) | 19.90% - 34.90% | Loan amount: $1,000 to $15,000; Loan term: 0 - 100 months (8.3 years) | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
MDG Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 19.90% to 34.99% | Up to $20,000; 36 to 85 months (7 years) | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 29.78% to 35.00% | 3 years; $1,600 maximum | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 19.90% to 34.99% | Loan amount: Up to $20,000; Loan term: 36 to 85 months (7 years) | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
Mogo
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 9.90% to 34.37% | $500 to $35,000; 6 to 60 months (5 years) | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 9.90% to 35.00% | 6 months to 5 years; $500 to $35,000 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 9.90% to 34.37% | Loan amount: $500 to $35,000; Loan term: 6 to 60 months (5 years) | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
Newfoundland and Labrador Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | 2026 ATV / Snow / Water Machines | 5.250 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | 2026 Motorcycles | 5.000 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | 2026 Travel Trailers / Motor Homes / Campers | 5.500 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | 2026 Vehicles | 4.990 | Vehicle Loans | Rates | NLCU | |
| Personal loan | 2026 Vehicles (Prime Based) | 4.700 | Vehicle Loans | Rates | NLCU | |
| Personal loan | Personal Line of Credit Secured Base Rate | 4.700 | Personal Lines of Credit | Rates | NLCU | |
| Personal loan | Personal Line of Credit Unsecured Base Rate | 6.700 | Personal Lines of Credit | Rates | NLCU | |
| Personal loan | RRSP Line of Credit Base Rate | 4.700 | Personal Lines of Credit | Rates | NLCU | |
| Personal loan | Special Rate on 2021 and Prior Vehicles | 6.800 | Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on 2025-2022 Vehicles | 5.250 | Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on 2026 ATV / Snow / Water Machines | 4.900 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on 2026 Motorcycles | 4.650 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on 2026 Travel Trailers / Motor Homes / Campers | 5.150 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on New 2026 Vehicles | 4.640 | Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on New 2026 Vehicles (Prime Based) | 4.550 | Vehicle Loans | Rates | NLCU |
Northern Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Cash Secured Line of Credit | 4.70 | LINES OF CREDIT | Rates | Northern Credit Union | |
| Personal loan | RSP Line of Credit | 4.70 | LINES OF CREDIT | Rates | Northern Credit Union | |
| Personal loan | RSP Take Ten Loan | 5.70 | LOANS; Northern Prime 4.70 | Rates | Northern Credit Union | |
| Personal loan | Student Loan | 4.45 | LOANS; Northern Prime 4.70 | Rates | Northern Credit Union |
Nyble
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 0% | $50 to $250; 0 to 60 months (5 years) | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 0% | Up to 31 days; $50 to $250 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 0% | Loan amount: $50 to $250; Loan term: 0 to 60 months (5 years) | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
Provincial Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Energy Efficient Loan | 8.25% | Loan Rates | Rates | Provincial Credit Union | Rates Effective: 2025-11-04 |
RBC
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 9% to 13% | Loan amount N/A; 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 9% to 13% | 1 to 5 years; No minimum or maximum listed | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 9% to 13% | Loan amount: N/A; Loan term: 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
Scotiabank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 6% to 10% | $5,000 to $75,000; Up to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 6% to 10% | 1 to 5 years; $5,000 to $75,000 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 6% to 10% | Loan amount: $5,000 to $75,000; Loan term: Up to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
Spring Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 9.99% to 34.95% | $300 to $35,000; 12 to 60 months (5 years) | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 9.99% to 34.95% | 6 months to 5 years; $300 to $35,000 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 9.99% to 34.95% | Loan amount: $300 to $35,000; Loan term: 12 to 60 months (5 years) | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
TD Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 8.99% to 23.99% | $5,000 to $50,000; 1 to 7 years | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 8.99% to 23.99% | 1 to 7 years; $5,000 to $50,000 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 8.99% to 23.99% | Loan amount: $5,000 to $50,000; Loan term: 1 to 7 years | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
Ukrainian Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Debt Consolidation | from 11.99% | Loans / Personal Loans (Unsecured) | Interest Rates | UCU | |
| Personal loan | Home Renovation/Vacation/Other | from 9.99% | Loans / Personal Loans (Unsecured) | Interest Rates | UCU | |
| Personal loan | New Car Loan | from 6.99% | Loans / Personal Loans (Unsecured) | Interest Rates | UCU | |
| Personal loan | Personal Line of Credit Secured (starting at) | UCU Prime + 1.00% | Lines of Credit | Interest Rates | UCU | |
| Personal loan | Personal Line of Credit Unsecured (starting at) | UCU Prime + 3.00% | Lines of Credit | Interest Rates | UCU | |
| Personal loan | RRSP Loans (starting at) | UCU Prime | Loans / Personal Loans (Unsecured) | Interest Rates | UCU | |
| Personal loan | Student Loans (starting at) | UCU Prime | Loans / Personal Loans (Unsecured) | Interest Rates | UCU | |
| Personal loan | Used Car Loan | from 9.99% | Loans / Personal Loans (Unsecured) | Interest Rates | UCU |
WFCU Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | 1 Year RRSP Loan - Fixed Rate | 5.20% | Loans; 5.46% APR | Rates - WFCU | |
| Personal loan | 1-to-5-Year Term - Fixed Rate | From 8.50% | Loans; From 8.78% APR | Rates - WFCU | |
| Personal loan | 100% Secured CU Line | Prime | Personal Loan Rates | Rates - WFCU | |
| Personal loan | 2 Year RRSP Loan - Fixed Rate | 6.20% | Loans; 6.46% APR | Rates - WFCU | |
| Personal loan | 4-Year Term, $10,000 Maximum (plus all insurance) - Fixed Rate | 7.99% | Loans; 8.06% APR | Rates - WFCU | |
| Personal loan | CU Line - 100% Secured Minimum spread of 1% from rate on deposit | From 4.70% (Prime) | Lines of Credit | Rates - WFCU | |
| Personal loan | CU Line - Unsecured | 7.20% (Prime +2.50%) | Lines of Credit | Rates - WFCU | |
| Personal loan | CU Overdraft Protection | From 21.00% | Overdraft Protection | Rates - WFCU | |
| Personal loan | Fixed, New Car Loan (Maximum Term) - 4-Year Term (2021) | 5.69% | Auto Loan Rates; APR 5.86% | Rates - WFCU | |
| Personal loan | Fixed, New Car Loan (Maximum Term) - 6-Year Term (2022-2024) | 5.69% | Auto Loan Rates; APR 5.88% | Rates - WFCU | |
| Personal loan | Fixed, New Car Loan (Maximum Term) - 7-Year Term (2025) | 5.69% | Auto Loan Rates; APR 5.85% | Rates - WFCU | |
| Personal loan | Fixed, New Car Loan (Maximum Term) - 8-Year Term (2026+) | 5.69% | Auto Loan Rates; APR 5.83% | Rates - WFCU | |
| Personal loan | Maximizer RRSP Loan - Variable Rate | 5.95% (Prime +1.25%) | Loans; 6.21% APR | Rates - WFCU | |
| Personal loan | Personal Loan - 100% Secured - 1-Year Fixed | 1% greater than the rate on the deposit | Personal Loan - 100% Secured | Rates - WFCU | |
| Personal loan | Personal Loan - Variable Rate | 8.70% (Prime +4.00%) | Loans; 9.11% APR | Rates - WFCU | |
| Personal loan | Quick Loan ($10,000 Max) | 7.99% | (8.06%APR*) | Rates - WFCU | |
| Personal loan | Student Line of Credit | 7.20% (Prime +2.50%) | Lines of Credit | Rates - WFCU |
goPeer
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Personal loan | Personal loan | 8.99% - 34.99% | $1,000 - $35,000; 36 to 60 months (5 years) | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan (APR) | 8.99% - 34.99% | Loan amount: $1,000 - $35,000; Loan term: 36 to 60 months (5 years) | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
How to read a published loan rate
A published loan rate is an opening position rather than a promise: lenders print rack rates and ranges, and the rate on an approved loan is set by the application itself, by the borrower's credit and by the amount, so the honest use of this table is comparing lenders' opening positions against each other rather than predicting any one approval. The rows also mix two different instruments, instalment loans repaid on a schedule and lines of credit that revolve, and rows labelled as an APR carry their fees inside the figure while rows labelled as a rate leave them outside it, which is why the term column deserves a read before the rate column.