Canadian loans, without the rush
loanmoose.ca is a free loan education site. Compare loan options calmly, run the numbers first, and borrow only when the payment fits — no pressure, no rush. We are not a lender and we do not collect applications.
Compare personal loan offers Run the numbers first
Advertising disclosure: loanmoose.ca may receive a referral fee if you continue through a partner link. That fee does not change the rate you are offered and it does not change what we publish. We are not a lender. Read the full disclosure.
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Start with a calculator
- Loan payment calculator Free · runs in your browser
- Affordability calculator Free · runs in your browser
- Cost of borrowing calculator Free · runs in your browser
- Loan interest calculator Free · runs in your browser
- Loan payoff calculator Free · runs in your browser
- Mortgage stress test calculator Free · runs in your browser
02
Understand the rules where you live
Loan pricing follows your credit profile, but the rate caps and licensing rules that protect you are set by your province or territory. Every figure on this site is published with its source.
- Rules and limits reference Payday caps, the criminal rate, insolvency timelines
- City pages 4259 places with 2021 Census figures and the rules that apply
- Guides 30 plain-language guides to borrowing in Canada
- Loan types What each product is for and what a lender checks
- Borrowing by amount From $500 to $50,000
- Borrowing by situation Bad credit, newcomers, self-employed, post-insolvency
03
How loanmoose.ca works
We are an independent publisher, not a lender. We do not process applications, we do not pull your credit, and we do not ask you for your name. Every calculator runs entirely in your browser and nothing you type is sent anywhere. Every factual claim cites a primary source, and where we cannot verify a figure we link to the publisher instead of guessing.
loanmoose.ca is a loan matching and comparison service. We are not a lender. We do not make loans, set rates, or make credit decisions.
Questions
What people ask about this
How does loanmoose.ca make money?
loanmoose.ca is an independent publisher. When you continue through a link to a lending partner we may receive a referral fee. That fee does not change the rate you are offered, and it never changes what we publish. The affiliate disclosure sets out the detail.
Does loanmoose.ca lend money?
No. loanmoose.ca is not a lender, a broker or a credit repair service. We publish calculators, guides and sourced reference data so you can compare options from lenders you choose yourself. We do not make credit decisions and we do not process applications.
Does using this site affect my credit score?
No. We do not pull your credit and we do not ask you for personal details. Any credit inquiry happens at the lender you choose to deal with, and many lenders use a soft check for pre-qualification that does not affect your score.
Where do the numbers on this site come from?
Benchmark rates come from the Bank of Canada's public series, place data comes from Statistics Canada's 2021 Census of Population, and lending rules are attributed to the Criminal Code, the federal payday lending regulations or the provincial regulator. Every published figure shows its publisher and its as-of date.