RATES FROM 9.99%*
We offer fair rates, to help you get ahead faster.
SECURE APPLICATION
Apply online safely with no waiting and no branch visits.
ALL CREDIT WELCOME
We know that you’re more than your credit score.
Financial wins from people like you
We offer 5-star services that have earned us over 17,000 positive reviews across Canada. Not bad, eh?
$8,500
I was in need of emergency financial assistance, and Spring assisted me with funds in record breaking time, they gave me an affordable repayment plan. I am so grateful to them and would recommend you give them a try.
Bobby on Google
$3,500
I was able to get a loan against all odds with a young credit history, high credit utilization, and a low bank balance. I was approved when I needed it most. Their process was smooth and professional. I’m truly grateful!
Emmanuel on TrustPilot
$5,000
Spring Financial deserves every bit of praise I can give them. After being turned down by multiple banks and feeling completely defeated, Spring Financial gave me hope when I had none. Highly recommend.
Don on Google
$9,500
They made it very easy to get the loan I was looking for. They are very courteous, professional, and communication was very good. They made sure I understood all terms and options. I can’t recommend them enough.
Andrew on Google
$2,500
With a relatively low credit score and high ratio utilization I was able to get a loan in the amount I needed now. I would recommend Spring Financial to anyone who wants to improve cash flow and credit score.
Igor on Google
$6,000
Thanks for the help Spring Financial! I built up credit and at the same time I got through a tight spot. It’s fast and easy to apply for a personal loan.
Reddy on Google
Apply in 3 easy steps
We’ve simplified our application process so you can get the funds you need, faster.
Apply online in minutes
Complete out our simple, mobile-friendly process. Applying does not impact your credit score.
Instant verification
We verify your ID and income digitally—no branch visits needed.
Get E-Transfer funding
Accept your offer and get funds sent directly to your bank account, as soon as the same day.
Here’s what you’ll need
Active online banking
Government issued ID
Proof of income
Proof of address
A loan that’s built to fit your life
From major purchases to emergency expenses, and everything in-between.
Debt consolidation
Facing multiple debts? A debt consolidation loan rolls your debts into one simple, fixed payment. Save money, simplify your payments, and take control of your finances.
Vehicle repairs
Get fast funds for essential repairs with flexible terms. Fix your car quickly without emptying your savings or delaying your travel plans.
Medical & dental
Don’t put your health on hold. Cover any medical need with the quickest funds and flexible options. Handle it today and get back to feeling like your best self.
Special occasions
Celebrate life your way. From weddings and birthdays to trips, gifts, or big family moments, a special occasion loan helps you cover it all with the quickest funds and adjustable repayment plans.
Major purchases
Large purchases, like vehicles or even new appliances, can be unexpected and expensive. Using a personal loan allows you to purchase these items when you need them.
Emergency needs
Feeling stuck with an unexpected bill? An emergency loan helps you cover it today with quick approval, funds sent as soon as the same day, and payments that won’t drain your emergency fund.
A better way to borrow
BORROW YOUR WAY
Borrow what you need, from $500 for smaller needs to $35,000 for major expenses.
QUICK FUNDS
Get e-Transferred as soon as the same day you apply.
SAFE, SECURE, CANADIAN
Your data is protected with bank-level security.
NO CREDIT BARRIERS
No matter your credit score, we have a solution.
Calculate your payments
You have questions,
we have answers.
How do online personal loans work?
We provide unsecured personal loans to Canadians. Our application is quick, easy to fill out and every step of our process can be done online. Our loans range from $500 to $35,000, with terms from 6 to 84 months. Once you are approved, then you can sign the loan documents right away. You can use the funds for whatever you want. All of our loans are open which means you can pay the full amount back at any time with no extra fees or penalties. We’ve helped thousands of people in many types of credit situations, and we hope that we can help you too. Our aim is to get as many people approved as possible!
What are the rates for online loans in Canada?
The interest rate you qualify for will depend on a number of factors such as your credit history, current income, and current debt load. To determine the interest rate you qualify for, please apply now and one of our associates will contact you.
What do I need to qualify?
To apply with us, you have to be the age of majority in your province, have a valid ID, and have some form of income. We do our best to get everyone approved. Once you apply, one of our associates will review your file and connect with you to complete your application and collect the necessary documents.
How much am I qualified for?
Our loans range from $500 to $35,000. The amount you qualify for will depend on a number of factors such as your credit history, current income, and current debt load. To determine the exact amount and interest rate you qualify for please apply now and one of our associates will contact you.
How fast can I get an online loan?
You’ll start by completing a 3-minute online application. After that, one of our associates may contact you to review your application and guide you through the next steps. Once approved, you can sign the loan documents right away and funds are received within 1–2 business days. To help speed up the process, please complete the online application and submit all requested documents.
Is it safe to apply for a loan online?
Yes, applying for a loan online is safe when you choose a reputable Canadian lender. At Spring Financial, we treat your data with the same level of security as a bank. We use bank-level security to protect your personal information, ensuring your application is 100% private and secure.
Always check that the lender has a verified physical address in Canada and real customer reviews. Spring Financial is trusted by hundreds of thousands of Canadians and has over 17,000 positive reviews online. We will never ask you for an upfront fee to process your application.
Can I get an online loan with bad credit?
Absolutely. We believe you are more than just your credit score. Many online lenders (like Spring Financial) specialize in helping Canadians with bad credit, no credit, or past bankruptcies. Instead of focusing solely on your credit history, we look at your current income and ability to repay.
Unlike payday lenders, an online personal loan from Spring Financial is reported to the credit bureaus (Equifax and TransUnion). This means that making your payments on time can actually help improve your credit score and get you back on track.
You Deserve Better
Apply in just 3 minutes and get $500–$35,000 e-Transferred as soon as today.