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MNP's October 2026 Consumer Debt Index finds 55% of working Canadians worried about their job prospects and nearly half within $200 of their monthly limit. We put those findings beside a year of Smarter Loans application data.
7 min · Read
One in four Smarter Loans applicants apply again within a year, about 40 days later. Later applications are approved about half as often.
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For applications made through Smarter Loans from 6 August to 19 September 2026, 97% of approvals by lenders in our network came within 24 hours. Funding depends on the size of the loan.
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How Canadians on ODSP, AISH or CPP Disability actually qualify for loans: which income counts, realistic amounts, benefit interactions, and the alternatives to check first.
4 min · Read
September stacks school supplies, tuition, and activity fees onto regular bills. Here is how Canadians are borrowing for back to school, and how to compare offers before you commit.
5 min · Read
Fintel Connect tested 2,400 AI answers to see which financial brands get named and why. What it means for Canadian lenders serving fair credit, and what to change on your own pages.
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Newfoundland and Labrador consolidates more than any other province. Across 1,358 Smarter Loans applications in the year to July 2026, applicants requested $2,577 on average, and the average consolidation request was $7,948, the largest in Canada.
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Nova Scotia borrows small and follows the Atlantic pattern. Across 2,682 Smarter Loans applications in the year to July 2026, Nova Scotians requested $2,227 on average, three in four asked for $1,500 or less, and fair credit led low by eight points.
4 min · Read
New Brunswick borrows a little below the national average and consolidates less than any other province. Across 2,484 Smarter Loans applications in the year to July 2026, applicants requested $2,378 on average, the average consolidation request was $6,133, and fair and low credit were in a dead heat.
4 min · Read
Saskatchewan borrows the least of any province day to day and among the most when consolidating. Across 2,912 Smarter Loans applications in the year to July 2026, applicants requested $2,099 on average, 76 percent asked for $1,500 or less, and the average consolidation request was $7,123.
4 min · Read
Manitoba borrows small. Across 3,897 Smarter Loans applications in the year to July 2026, Manitobans requested $2,162 on average, three in four asked for $1,500 or less, and the province has the largest share of applicants with no credit history in Canada.
3 min · Read
Quebec borrows a little bigger than the country and looks different on credit. Across 5,221 Smarter Loans applications in the year to July 2026, Quebecers requested $2,730 on average, fair and low credit were nearly tied, and the province has no conventional payday lending.
4 min · Read
