Credit Tips

Collection staying on man's credit report
How Long Does Collection Stay on your Credit Report in Canada?
In Canada, while debt and credit ratings are related, they aren’t mutually exclusive. This means that having no debt won’t
New immigrant building credit in Canada
How to Build Credit as a New Immigrant in Canada
Moving to another country can be a difficult decision and can be like starting over from scratch. While there are
Woman holding highest limit credit cards in Canada
The Highest Limit Credit Cards in Canada
When it comes to credit cards, there are plenty of different limits that you could qualify for. Each bank or
Building good credit through an instalment plan
Want to Build Credit Fast? Focus On Payment History…
Your credit score is a three-digit number in your credit report that shows lenders how well you manage credit. Think
Metal credit cards shown close-up
The Best Metal Credit Cards in Canada in 2026
Metal credit cards are often high-limit cards with high annual fees and require a high annual income for approval. They
Reasons your Credit Score isn’t Increasing
Honestly, figuring out our credit situation is hard. The way your credit score is calculated is based on a few
person checking their credit score on their credit score app
Best Credit Score Apps in Canada: Borrowell vs. Credit Karma vs. Mogo vs. ClearScore
Over half of Canadians don’t know their credit score, but these three apps are determined to change that. These apps
How to increase credit score by 100 points
Ways to Increase Your Credit Score by 100 Points
While increasing your credit score by 100 points may seem tough, there are a few things you can do to
Average Credit Score Ranges in Canada: What You Need to Know
If you’re just starting your credit-building journey, you may be wondering what the credit score range is in Canada and
credit mix includes instalment loans, personal loans, mortgage, open accounts
Your Credit Mix: Why It’s Important to Have Different Types of Credit in Canada
When it comes to building credit, you probably know that paying your bills on time and keeping your credit card
Credit report showing a higher than 800 credit score
What Can You Do With an 800 Credit Score in Canada?
In Canada, credit scores range from 300-900 with 300 being the lowest and 900 being the highest. From here, credit
Credit Scores & Credit Reports in Canada: Basics For Beginners
Confused about credit, credit reports, and credit scores? Don’t worry, you’re not the only one.

Fully online loans from 9.99%*

Skip the branch visits, apply online in minutes and get the financing you want today.

Calculate your payments

Payment Frequency
Duration
6 Months
24
60 Months
Credit Score
300
650
900
Loan Amount
$500
$15,000
$35,000

You’ll pay:

$234.56

Improve your financial situation with Spring Financial

Subscribe to receive special offers and financial tips.

Work with us

Join our team of over 500 professionals across 4 different countries.