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Smarter Loans Child Tax Loans

Child Tax Loans

Loans starting from $300
Use your CCB to qualify
Transparency in rates & terms
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Child Tax Loans

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Compare 13 vetted lenders — apply in minutes with a single application.

AMOUNT
$300 - $35,000
INTEREST RATE
9.99% - 34.95%
TERMS
6 - 84 Months
AMOUNT
Up to $20,000
INTEREST RATE
19.8% - 34.99%
TERMS
36 months
AMOUNT
$500 - $2,500
INTEREST RATE
18.99%
TERMS
Variable
AMOUNT
$500 - $1,000
INTEREST RATE
Varies
TERMS
3 - 6 months
AMOUNT
$30 - $250
INTEREST RATE
0%
TERMS
N/A
AMOUNT
$500 - $150,000
INTEREST RATE
9.99% - 34.99%
TERMS
9 - 84 months
AMOUNT
$500 - $25,000
INTEREST RATE
34.56% - 34.95%
TERMS
6 - 84 Months
AMOUNT
$100 - $1,500
INTEREST RATE
Varies
TERMS
2 months
AMOUNT
$300 - $20,000
INTEREST RATE
Varies
TERMS
12 - 60 Months
AMOUNT
$100 - $1,500
INTEREST RATE
Varies
TERMS
Up to 2 months
AMOUNT
$100 - $20,000
INTEREST RATE
34.37%
TERMS
6 - 84 Months
AMOUNT
$1,000 – $15,000
INTEREST RATE
19.9% - 34.9%
TERMS
Line of Credit
AMOUNT
$100 - $1,500
INTEREST RATE
Varies
TERMS
2 months
2M+
Canadians Served Since 2016
24-48hrs
Average Funding Time
90%+
Application Approval Rate
50+
Lending Partners

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We work with lenders who support a wide range of credit profiles, helping borrowers with past challenges access realistic financing options.

How It Works

Get funded in three simple steps

1

Complete Your Application

Apply once through a secure online form in under 5 minutes. We'll ask about you, your funding needs, and basic financial information.

2

Get Approved

Our platform assesses your application against real lender criteria and routes it to the lender where approval is most likely.

3

Receive Your Funds

Once approved, funds are deposited directly into your bank account — often within 24-48 hours.

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Child Tax Loans

The Canada Child Benefit, frequently referred to as CCB or sometimes even the Canada Child Tax Benefit, is a government-provided, tax-free payment intended to assist Canadian families with their child-rearing expenses. This system was devised by the Canadian government to ensure that families receive regular financial support to aid in early childhood development and overall well-being.

Each year, the CRA (Canada Revenue Agency) evaluates the eligibility of families for the CCB payments, grounded in their annual CRA filings. If families qualify under the CRA's guidelines, they can expect to receive these tax-free payments every month, directly into their bank account

.

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