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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
TransUnion's Q2 2026 Consumer Pulse found a quarter of Canadians plan to apply for credit and one in four expects to miss a bill. Across more than 79,000 Smarter Loans applications, the people who actually apply ask small: 71 percent want $1,500 or less.
5 min · Read
Applicants reporting unsecured debt on a Smarter Loans personal loan application carried an average of $13,410 in the year to July 2026. Those applying to consolidate asked for $6,659, about half of what they owe.
3 min · Read
71 percent of more than 79,000 Smarter Loans personal loan applications in the year to July 2026 asked for $1,500 or less. The average request in that range was $552, and it barely moves across income types or provinces.
4 min · Read
Canadians applying to consolidate debt asked for an average of $6,659 in the year to July 2026, across more than 8,000 Smarter Loans applications. Newfoundland and Labrador led every province at $7,948 and New Brunswick sat lowest at $6,133.
4 min · Read
What actually moves a Canadian credit score within 30 to 60 days, what takes years, and how much a higher score changes your loan rate.
1 min · Read
The steps to consolidate debt with a personal loan in Canada, what lenders check, and the mistakes that leave you paying more than before.
10 min · Read
What to check before taking a fast loan in Canada: the no-cost options, what the speed really costs, and how to spot a loan scam.
7 min · Read
The real difference between a personal loan and a line of credit, which suits which situation, and what the same borrowing costs on each.
4 min · Read
Getting approved for a personal loan with bad credit: what lenders check instead of your score, what fair-credit borrowers request, and the traps to skip.
6 min · Read
How credit cards and personal loans compare in Canada on rate, repayment and total cost, and the point at which a loan becomes the cheaper option.
8 min · Read
