Your Loan Journey in 3 Steps

Our straightforward process makes it easy to explore loan options online.

Submit a Quick Online Form

Submit Your Application

Provide your details through our secure online application form.

Get Matched with Lenders

Get Matched with Lenders

Review the options presented based on your details and the lender’s eligibility criteria.

Receive Your Funds

Receive Your Funds

Choose an offer that suits you. If approved, funds will be sent to your bank account based on the lender’s terms and processing time.

Find Out If You Qualify

Why Choose Us

We make exploring loan options simple, secure, and transparent.

Simple and Secure

Complete our secure online form to explore available loan options.

Quick Decisions

Review available loan options and lender decisions without unnecessary delays.

Options That Fit Your Needs

Explore loan options based on your details and eligibility.

Check Your Options Today

Apply Now

The amount you may qualify for depends on the lender, your financial circumstances, income, credit profile, and eligibility criteria. Check the available options to see the amounts offered to you.

You may be able to explore loan options even if you have a less-than-perfect credit history. Each lender has its own eligibility requirements and will assess your application individually.

No! Checking your eligibility uses a soft credit check, so it won’t affect your credit score. You can explore your available options with no obligation to accept an offer.

The time required varies by lender and application. Some lenders may provide a decision quickly, while others may need additional information before completing their assessment.

Yes! You may be able to apply if you’re self-employed. Eligibility depends on the lender’s requirements, your income, and your financial circumstances. You may need to provide proof of income or other supporting documents.

Disclaimer: All loans are subject to credit and underwriting approval. Spark Credit is a lead referral company, not a lender. Spark Credit only works with financial service providers that adhere to Canadian laws and regulations. Loans range from $500-$50,000 with terms from 4 months to 60 Months or longer. APRs range from 9.99% to 35.00% and will depend on our partner's assessment of your credit profile. An example of borrowing costs paid on a $5,000 loan with a 48 month term at 9.99% APR is a weekly payment of $29.17, with the total repayment amount of principal and interest being $6,066.48 and the total cost of the loan (interest only) being $1,066.48. In the event of a missed payment an insufficient funds fee of around 45$ may be charged (dependent on the lender). In the case of a default on your loan your payment plan will be terminated and different collection methods will be employed to collect your remaining balance. Outstanding debts will be pursued to the full extent of the law. Our lenders employ fair collection practices.

All consultations and conversations with Spark Credit and its partners are confidential and risk-free. Speak with a trusted specialist today and see how we can help you achieve your financial goals faster. Spark Credit and its partners will never ask you for an upfront fee, deposit or insurance payments on a loan. Spark Credit is not a mortgage broker and does not arrange or underwrite mortgage loans.

Equifax® is a registered trademark of Equifax Canada Co. used here under license. CompareHub is not affiliated with Equifax Canada Co., its parent company, subsidiaries or its affiliates (collectively, “Equifax”). The content of this website is not reviewed nor approved by Equifax. CompareHub is an authorized reseller of the Equifax Risk Score, however, Equifax does not endorse, guarantee or recommend any of the products, services or content on this website. For information about Equifax, the Equifax Risk Score, and/or Equifax credit reports, please visit the official Equifax Canada Co. website at https://www.consumer.equifax.ca/personal/. All CompareHub services are 100% free.