{"id":18609,"date":"2025-12-18T19:14:46","date_gmt":"2025-12-18T19:14:46","guid":{"rendered":"https:\/\/springfinancial.ca\/?page_id=18609"},"modified":"2025-12-19T20:17:26","modified_gmt":"2025-12-19T20:17:26","slug":"down-payment-loans","status":"publish","type":"page","link":"https:\/\/springfinancial.ca\/fr\/down-payment-loans\/","title":{"rendered":"How To Borrow Money For A Down Payment"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"18609\" class=\"elementor elementor-18609\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46e82d50 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"46e82d50\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_range&quot;:&quot;viewport&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5cd68b56 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5cd68b56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b1dfa64 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4b1dfa64\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_tablet&quot;:&quot;none&quot;,&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Down Payment Loans in Canada\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-641fbe7 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"641fbe7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ready to apply? Enter your email and get up to $35,000 today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-593cc3f0 elementor-button-align-end elementor-widget__width-initial elementor-widget elementor-widget-form\" data-id=\"593cc3f0\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"submit_email\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;40&quot;,&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" id=\"submit_email_personal_loan\" name=\"Hero Form\" aria-label=\"Hero Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"18609\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"593cc3f0\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Spring Financial\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-name elementor-col-60 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail Address\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"name@example.com\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-Acceptance elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field-subgroup  elementor-subgroup-inline\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Receive promotions and updates from Spring Financial. 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By clicking \"Continue\" you agree to the\u00a0<a href=\"\/general-terms-of-service\">Terms and Conditions<\/a>\u00a0and\u00a0<a href=\"\/privacy-policy\/\">Privacy Policy<\/a>.<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-html elementor-field-group elementor-column elementor-field-group-field_60eb8cd elementor-col-100\">\n\t\t\t\t\t<p>Applying won\u2019t affect your credit score.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-40 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-lg\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Continue<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div 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55.5042 29.3822 55.5098 30.1078C55.5042 31.0343 55.2531 31.8603 54.7563 32.5859C54.2652 33.3058 53.5814 33.8724 52.7052 34.2854C51.8345 34.6928 50.8271 34.8965 49.6829 34.8965ZM49.6829 33.0547C50.4587 33.0547 51.1285 32.9291 51.6922 32.678C52.2559 32.4268 52.6912 32.0724 52.9982 31.6147C53.3052 31.157 53.4614 30.6212 53.467 30.0073C53.4614 29.3599 53.294 28.7878 52.9647 28.291C52.6354 27.7943 52.1861 27.4036 51.6168 27.119C51.0531 26.8343 50.4085 26.692 49.6829 26.692C48.9517 26.692 48.2987 26.8343 47.7239 27.119C47.1546 27.4036 46.7053 27.7943 46.376 28.291C46.0522 28.7878 45.8932 29.3599 45.8988 30.0073C45.8932 30.6212 46.0411 31.157 46.3425 31.6147C46.6494 32.0724 47.0876 32.4268 47.6569 32.678C48.2262 32.9291 48.9015 33.0547 49.6829 33.0547ZM49.6829 24.9171C50.2968 24.9171 50.841 24.7943 51.3154 24.5488C51.7954 24.3032 52.1722 23.9599 52.4456 23.519C52.7191 23.0781 52.8587 22.5618 52.8642 21.9702C52.8587 21.3897 52.7219 20.8846 52.454 20.4549C52.1861 20.0195 51.815 19.6846 51.3405 19.4502C50.8661 19.2102 50.3136 19.0902 49.6829 19.0902C49.041 19.0902 48.4801 19.2102 48.0001 19.4502C47.5201 19.6846 47.149 20.0195 46.8867 20.4549C46.6243 20.8846 46.496 21.3897 46.5015 21.9702C46.496 22.5618 46.6271 23.0781 46.895 23.519C47.1685 23.9599 47.5453 24.3032 48.0252 24.5488C48.5052 24.7943 49.0578 24.9171 49.6829 24.9171Z\" fill=\"#3800A7\"><\/path><path d=\"M5.45542 41.666L6.84789 44.4L9.96194 44.8379L7.70868 46.9662L8.24035 49.9744L5.45542 48.5542L2.67472 49.9744L3.20638 46.9662L0.953125 44.8379L4.06296 44.4L5.45542 41.666Z\" fill=\"#FFAA0C\"><\/path><path d=\"M16.8812 41.666L18.2737 44.4L21.3835 44.8379L19.1345 46.9662L19.6661 49.9744L16.8812 48.5542L14.0963 49.9744L14.6279 46.9662L12.3789 44.8379L15.4887 44.4L16.8812 41.666Z\" fill=\"#FFAA0C\"><\/path><path d=\"M28.2878 41.666L29.6802 44.4L32.7901 44.8379L30.5368 46.9662L31.0685 49.9744L28.2878 48.5542L25.5028 49.9744L26.0345 46.9662L23.7812 44.8379L26.8953 44.4L28.2878 41.666Z\" fill=\"#FFAA0C\"><\/path><path d=\"M39.944 41.666L41.3365 44.4L44.4463 44.8379L42.1931 46.9662L42.7247 49.9744L39.944 48.5542L37.1591 49.9744L37.6908 46.9662L35.4375 44.8379L38.5516 44.4L39.944 41.666Z\" fill=\"#FFAA0C\"><\/path><path d=\"M51.3421 41.666L49.9497 44.4L46.8398 44.8379L49.0931 46.9662L48.5614 49.9744L51.3421 48.5542L52.7009 49.2459V44.3304L51.3421 41.666Z\" fill=\"#FFAA0C\"><\/path><path d=\"M53.5977 46.9678L55.8509 44.8395L52.7369 44.4016L52.7031 44.332V49.2475L54.1293 49.976L53.5977 46.9678Z\" fill=\"#FFDD9E\"><\/path><path d=\"M17.5277 16.6621H2.42478C1.61417 16.6621 0.957031 17.3192 0.957031 18.1299V33.2328C0.957031 34.0434 1.61417 34.7006 2.42478 34.7006H17.5277C18.3384 34.7006 18.9955 34.0434 18.9955 33.2328V18.1299C18.9955 17.3192 18.3384 16.6621 17.5277 16.6621Z\" fill=\"#FFD100\"><\/path><path d=\"M5.95304 28.3853C4.50656 28.2975 3.34193 27.1356 3.26216 25.6864H9.59051V25.6173C9.59051 23.1311 8.00311 21.4746 5.8068 21.4746C3.48817 21.4746 1.91406 23.1737 1.91406 25.3806C1.91406 27.4653 3.54401 29.3026 5.76691 29.3026C7.38357 29.3026 8.66785 28.4065 9.35652 26.7473H8.71837C8.25837 27.7179 7.27189 28.3879 6.12587 28.3879C6.06738 28.3879 6.0142 28.3879 5.9557 28.3826\" fill=\"white\"><\/path><path d=\"M13.9968 28.3853C15.4433 28.2975 16.608 27.1356 16.6877 25.6864H10.3594V25.6173C10.3594 23.1311 11.9468 21.4746 14.1431 21.4746C16.4617 21.4746 18.0358 23.1737 18.0358 25.3806C18.0358 27.4653 16.4059 29.3026 14.183 29.3026C12.569 29.3026 11.2847 28.4065 10.5934 26.7473H11.2342C11.6942 27.7179 12.6807 28.3879 13.8267 28.3879C13.8852 28.3879 13.9384 28.3879 13.9968 28.3826\" fill=\"white\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b10b8a1 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6b10b8a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6c1df6fb e-con-full spring-blog-toc elementor-hidden-tablet elementor-hidden-mobile e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6c1df6fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fddf38f cta-btn elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-global elementor-global-18414 elementor-widget-image\" data-id=\"1fddf38f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:100,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.springfinancial.ca\/apply\/personal-loans\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"1024\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/10\/blog-post-sidebar-512x1024.png\" class=\"attachment-large size-large wp-image-14766\" alt=\"\" srcset=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/10\/blog-post-sidebar-512x1024.png 512w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/10\/blog-post-sidebar-150x300.png 150w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/10\/blog-post-sidebar-768x1536.png 768w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/10\/blog-post-sidebar-6x12.png 6w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/10\/blog-post-sidebar.png 800w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-197001cf e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"197001cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55f600e4 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"55f600e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How To Borrow Money For A Down Payment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29f61144 elementor-widget elementor-widget-text-editor\" data-id=\"29f61144\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When you are looking for a loan for your down payment or just more money to add to your own savings, you are going to need some of the same things that you would need to get a mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4fa23d elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"b4fa23d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Prerequisites for Getting a Down Payment Loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a60565 elementor-widget elementor-widget-text-editor\" data-id=\"2a60565\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Proof of employment: This is going to be either a letter of employment from your work or 2 of your most recent pay stubs. In some cases both may be required.<\/li><li>Credit Check: This is going to show the lender your credit score, your credit history and your debt-to-income ratio. Your DTI should be relatively low if you are looking for a down payment loan because your total DTI (with loan payments, mortgage payments and all other debt) should be no more than 40% of your monthly income. This gives the lenders more confidence in you making your payments on time while covering your bills and other housing costs.<\/li><li>Copy of ID: This is usually a government ID like a driver\u2019s license or passport. In most places in Canada, a personal health card isn\u2019t accepted.<\/li><li>Bank Statements: A bank account is required to get financing in Canada. Lenders usually require no less than 90 days of bank statements in order to prove you have a bank account, verify your income and show that your account is active.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f02c55a elementor-widget elementor-widget-text-editor\" data-id=\"f02c55a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you don\u2019t choose to go with this type of borrowed down payment, then the process will be a little different. You would have to apply for approval for government assistance programs. Taking money from your RRSP requires a form you have to sign and bring to the bank. If you are getting a loan or being gifted money from an immediate family member, then you would have to speak to your lender about what they require as proof for the loan or gifted money. This is usually just a gift letter or something that is equivalent to that.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ceb2041 sub-heading elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4ceb2041\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"about-spring-banner__text-title\" role=\"heading\" aria-level=\"3\">Borrowing Money for an Investment Purchase<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f7fbcc5 elementor-widget elementor-widget-text-editor\" data-id=\"1f7fbcc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you borrow money for investment purposes, keep in mind that the process is going to be a little bit different. This is because, even if it is your first purchase, you are not going to live in the home. If you don\u2019t intend to live in the home for at least a year after purchasing then there are certain things you are not eligible for such as the RRSP home buyers program, some down payment assistance programs as well as a reduced down payment.<\/p><p>As we mentioned, in Canada as a first time home buyer you are allowed to reduce your down payment to as low as 5% of the purchase price and get a high ratio mortgage. That being said, you cannot do this if you are purchasing the home as an investment property. You must live in the home for the first year after purchase to qualify for this. The minimum down payment required for an investment property is 20%.<\/p><p>If you are choosing to borrow for an investment property, then you would be eligible to use the following options:<\/p><ul><li>Personal Loan<\/li><li>Line of Credit<\/li><li>Credit Card<\/li><li>Loan from Family<\/li><\/ul><p>If you already own a home and are looking to purchase a second property, then another option available to you would be a <a href=\"https:\/\/springfinancial.ca\/blog\/homeowner-finances\/mortgage-refinancing-vs-home-equity-loans?_gl=1*o2z1hu*_gcl_aw*R0NMLjE3NjU5MjYzNjUuQ2owS0NRaUFvNFRLQmhEUkFSSXNBR1cyOWJldHM1RnJPbEwxUm5BY1JnT2c3Smg5NEoybGY0VHl2dG51MjVSUTk0cDhzRWNMUUVmSDg4Z2FBb25lRUFMd193Y0I.*_gcl_au*OTQwNjk5Mjg0LjE3NjU5MDg5Mjc.\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">home equity line of credit (HELOC)<\/span><\/a>. You could also use a home equity loan. This works because you are able to borrow money from the existing equity in your current home minus any amounts that you still have owed on the mortgage. This tends to have a much lower interest rate than any other loan or an unsecured line of credit, but it is also risky. This means that the down payment is now a secured loan against another property, and if you default on these payments, you may lose your home.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66ffaf6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"66ffaf6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd62ab0 cta-btn elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"dd62ab0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.springfinancial.ca\/apply\/personal-loans\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"302\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/blog-img-1024x387.png\" class=\"attachment-large size-large wp-image-17002\" alt=\"\" srcset=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/blog-img-1024x387.png 1024w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/blog-img-300x113.png 300w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/blog-img-768x290.png 768w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/blog-img-1536x581.png 1536w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/blog-img.png 1740w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00d2b77 elementor-widget-mobile__width-initial cta-btn elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"00d2b77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.springfinancial.ca\/apply\/personal-loans\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"730\" height=\"1024\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/banner-spring-730x1024.png\" class=\"attachment-large size-large wp-image-17245\" alt=\"\" srcset=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/banner-spring-730x1024.png 730w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/banner-spring-214x300.png 214w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/banner-spring-768x1078.png 768w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/banner-spring.png 856w\" sizes=\"(max-width: 730px) 100vw, 730px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e389fd elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6e389fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ways to Borrow Your Down Payment\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7392952e elementor-widget elementor-widget-text-editor\" data-id=\"7392952e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When it comes to borrowing money for your down payment, you actually do have a few different options. Some of these options are better than others though. It is important to keep in mind that even though you don\u2019t have to come up with the down payment up front, you now have to pay interest on the money you are borrowing. This means that you should pay close attention to what those costs will be, it will also affect your total approval amount for your mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98056cf elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"98056cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Personal Loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caf605f elementor-widget elementor-widget-text-editor\" data-id=\"caf605f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The first option with the lowest interest rate is a <span style=\"text-decoration: underline;\"><a href=\"https:\/\/springfinancial.ca\/blog\/loans\/low-interest-loans-canada\/?_gl=1*1sjw33x*_gcl_aw*R0NMLjE3NjU5MjYzNjUuQ2owS0NRaUFvNFRLQmhEUkFSSXNBR1cyOWJldHM1RnJPbEwxUm5BY1JnT2c3Smg5NEoybGY0VHl2dG51MjVSUTk0cDhzRWNMUUVmSDg4Z2FBb25lRUFMd193Y0I.*_gcl_au*OTQwNjk5Mjg0LjE3NjU5MDg5Mjc.\" target=\"_blank\" rel=\"noopener\">personal loan<\/a><\/span>. Personal loans are often very flexible, and you can make the payments on the same schedule as your mortgage. They are more structured and usually can be paid off in 3-5 years. A lot of personal loans are also open loans, meaning that you can put extra money on them whenever you have it and can pay them off early.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6045895 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6045895\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Line of Credit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00135de elementor-widget elementor-widget-text-editor\" data-id=\"00135de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Another way you could borrow money for your down payment funds is with a line of credit. A line of credit works a little differently than a personal loan. They are a form of revolving credit, meaning only the interest is required to be paid, and you can pay off and use up to the credit limit as much as you please. That being said, lines of credit tend to have a slightly higher interest rate than personal loans. They also normally have variable interest rates. This means that The interest rate changes with the prime rate. Another thing to consider about lines of credit is that they don\u2019t require a principal payment, so you can end up leaving them and paying more interest over time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac1517 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"3ac1517\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Credit Card<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15c5509 elementor-widget elementor-widget-text-editor\" data-id=\"15c5509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Using a credit card for a down payment has the highest interest rate of all of the options. Not only that but if you don\u2019t pay back the cash advance within 30 days, then you have to start paying an extremely high interest rate. Cash advance rates are usually higher than the standard 20% used for regular transactions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dce7e8 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"1dce7e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Money From Family<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-586086d elementor-widget elementor-widget-text-editor\" data-id=\"586086d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A way to avoid interest when borrowing enough money for a down payment is to borrow money from a family. In some cases, family members will just give the money. Either way, the lender may ask for some sort of letter proving the borrowed funds\u2019 down payment sources so it doesn\u2019t seem like the funds appeared out of thin air. Even when it comes to having your own down payments, lenders require proof that the money has been sitting in your account for at least 3 months. They even like to see the transactions where you put the money into personal savings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7f4564 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a7f4564\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">RRSP Contributions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-405df47 elementor-widget elementor-widget-text-editor\" data-id=\"405df47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>While this isn\u2019t necessarily a no-down payment solution, using your RRSP funds to purchase your first home is a great way to avoid the interest rates from borrowing a down payment. This is called the Home Buyers\u2019 Plan and is only available to first-time homebuyers. This plan lets you borrow up to $35,000 from your own savings in your RRSP account for your first home purchase. There is no penalty when taking money from this account, and you have up to 15 years to pay back the funds. Repayment won\u2019t start until the second year after you withdraw funds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-430077b elementor-widget elementor-widget-text-editor\" data-id=\"430077b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In order to qualify for the Home Buyers\u2019 Program, you must:<\/p><ul><li>Be a first-time home buyer<\/li><li>Be a Canadian Resident<\/li><li>Make the home your principal residence within a year of the purchase<\/li><li>Sign an agreement on a qualifying home purchase (your house deposit does not have to be made yet, though).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b63e28b elementor-widget elementor-widget-text-editor\" data-id=\"b63e28b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you have met all of these requirements then you are able to take the money out of your RRSP penalty free. It is actually a relatively simple process and you are using your own money to fund the down payment for your own home. When you pay back the funds when your repayment period starts, you are given a minimum amount that is required each year and it is all done when you file your yearly tax return.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d64ab1a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6d64ab1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4b651227 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4b651227\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6940eed2 e-con-full elementor-hidden-mobile e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6940eed2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f668fa7 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5f668fa7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6dfd6069 elementor-widget elementor-widget-image\" data-id=\"6dfd6069\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"777\" height=\"1024\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/PL-Apply-Now-1-777x1024.jpg\" class=\"attachment-large size-large wp-image-16037\" alt=\"\" srcset=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/PL-Apply-Now-1-777x1024.jpg 777w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/PL-Apply-Now-1-228x300.jpg 228w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/PL-Apply-Now-1-768x1012.jpg 768w, https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/PL-Apply-Now-1.jpg 1098w\" sizes=\"(max-width: 777px) 100vw, 777px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f08e4b6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"f08e4b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d3386a5 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"7d3386a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Apply in 3 easy steps<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d4ac740 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7d4ac740\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:250}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62b8f002 elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"62b8f002\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2151_3119)\"><path d=\"M9.01736 1.0985C8.28086 1.72615 7.36512 2.10546 6.40052 2.18243C4.14953 2.36206 2.36206 4.14953 2.18243 6.40052C2.10546 7.36512 1.72615 8.28086 1.0985 9.01736C-0.366168 10.7361 -0.366168 13.2639 1.0985 14.9826C1.72615 15.7191 2.10546 16.6349 2.18243 17.5995C2.36206 19.8505 4.14953 21.6379 6.40052 21.8176C7.36512 21.8945 8.28086 22.2739 9.01736 22.9015C10.7361 24.3662 13.2639 24.3662 14.9826 22.9015C15.7191 22.2739 16.6349 21.8945 17.5995 21.8176C19.8505 21.6379 21.6379 19.8505 21.8176 17.5995C21.8945 16.6349 22.2739 15.7191 22.9015 14.9826C24.3662 13.2639 24.3662 10.7361 22.9015 9.01736C22.2739 8.28086 21.8945 7.36512 21.8176 6.40052C21.6379 4.14953 19.8505 2.36206 17.5995 2.18243C16.6349 2.10546 15.7191 1.72615 14.9826 1.0985C13.2639 -0.366168 10.7361 -0.366168 9.01736 1.0985Z\" fill=\"#3800A7\"><\/path><path d=\"M13.2844 7.19922V16.7992H11.2547V9.12578H11.1984L9 10.5039V8.70391L11.3766 7.19922H13.2844Z\" fill=\"white\"><\/path><\/g><defs><clipPath id=\"clip0_2151_3119\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFill out our secure online application\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSay goodbye to branch visits and long queues \u2013 everything can be done from the comfort of your device.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div 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id=\"clip0_2151_3123\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGet approved\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOur dedicated team will promptly review your application and provide you with an approval within a matter of hours.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-234bb335 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"234bb335\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3864e869 elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3864e869\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2151_3127)\"><path d=\"M9.01736 1.0985C8.28086 1.72615 7.36512 2.10546 6.40052 2.18243C4.14953 2.36206 2.36206 4.14953 2.18243 6.40052C2.10546 7.36512 1.72615 8.28086 1.0985 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12.6301 15.3336 12.8676 15.2242C13.1051 15.1148 13.291 14.9633 13.4254 14.7695C13.5598 14.5758 13.627 14.3523 13.627 14.0992C13.627 13.843 13.5551 13.6164 13.4113 13.4195C13.2707 13.2195 13.0676 13.0633 12.802 12.9508C12.5395 12.8383 12.227 12.782 11.8645 12.782H10.9691V11.2914H11.8645C12.1707 11.2914 12.441 11.2383 12.6754 11.132C12.9129 11.0258 13.0973 10.8789 13.2285 10.6914C13.3598 10.5008 13.4254 10.2789 13.4254 10.0258C13.4254 9.78516 13.3676 9.57422 13.252 9.39297C13.1395 9.20859 12.9801 9.06484 12.7738 8.96172C12.5707 8.85859 12.3332 8.80703 12.0613 8.80703C11.7863 8.80703 11.5348 8.85703 11.3066 8.95703C11.0785 9.05391 10.8957 9.19297 10.7582 9.37422C10.6207 9.55547 10.5473 9.76797 10.5379 10.0117H8.59258C8.60195 9.45859 8.75977 8.97109 9.06602 8.54922C9.37227 8.12734 9.78477 7.79766 10.3035 7.56016C10.8254 7.31953 11.4145 7.19922 12.0707 7.19922C12.7332 7.19922 13.3129 7.31953 13.8098 7.56016C14.3066 7.80078 14.6926 8.12578 14.9676 8.53516C15.2457 8.94141 15.3832 9.39766 15.3801 9.90391C15.3832 10.4414 15.216 10.8898 14.8785 11.2492C14.5441 11.6086 14.1082 11.8367 13.5707 11.9336V12.0086C14.277 12.0992 14.8145 12.3445 15.1832 12.7445C15.5551 13.1414 15.7395 13.6383 15.7363 14.2352C15.7395 14.782 15.5816 15.268 15.2629 15.693C14.9473 16.118 14.5113 16.4523 13.9551 16.6961C13.3988 16.9398 12.7613 17.0617 12.0426 17.0617Z\" fill=\"white\"><\/path><\/g><defs><clipPath id=\"clip0_2151_3127\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t3. Receive your funds!\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOnce approved, receive your funds swiftly through a convenient e-Transfer directly to your bank account!\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-728fee84 elementor-mobile-align-justify elementor-align-center elementor-widget__width-inherit elementor-widget-mobile__width-initial cta-btn elementor-widget elementor-widget-button\" data-id=\"728fee84\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.springfinancial.ca\/apply\/personal-loans\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Loan Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dac37b3 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"dac37b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Down Payment Assistance Programs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-091ea02 elementor-widget elementor-widget-text-editor\" data-id=\"091ea02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Depending on where you live in Canada, there are quite a few provinces that will provide some sort of down payment assistance for real estate to expand your down payment options. There is also a federal program called The First Time Home Buyer Incentive. This program allows Canadians to purchase a home by offering certain Canadians 5-10% of the purchase price, giving the home buyer a larger down payment. This amount does have to be repaid, but it is much less than interest on a loan.<\/p><p>This incentive is for first-time home buyers only and is considered a shared equity amount. How much you give back in equity will depend on when you make the repayment since it affects the portion of the purchase that\u2019s considered shared equity. Currently, if the home appreciates, the government\u2019s portion is up to 8% per year. With depreciation, it will go down to 8% per year.<\/p><p>In order to qualify, you must earn less than $120,000 per year ($150,000 in more populated areas like Toronto or Vancouver). You must also qualify for mortgage default insurance from the CMHC (Canada Mortgage and Housing Corporation). The CMHC is Canada\u2019s equivalent to the Federal Housing Administration in the US. Keep in mind that insurance premiums will be included in the mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94256ad elementor-widget elementor-widget-heading\" data-id=\"94256ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why choose Spring? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46c7e930 wpr-equal-column-width-yes elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit wpr-table-align-items-center my-table-header elementor-hidden-mobile wpr-data-table-type-custom elementor-widget elementor-widget-wpr-data-table\" data-id=\"46c7e930\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-data-table.default\">\n\t\t\t\t\t\n\t\t\t\t\n\t\t<div class=\"wpr-table-container\">\n\t\t<div class=\"wpr-table-inner-container \" data-table-sorting=\"no\" data-custom-pagination=\"no\" data-row-pagination=\"\" data-entry-info=\"no\" data-rows-per-page=\"\">\n\n\t\t\n\t\t\t<table class=\"wpr-data-table\" id=\"wpr-data-table\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t<thead>\n\t\t\t\t\t<tr class=\"wpr-table-head-row wpr-table-row\">\n\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-7bb21cf\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-b6e258f\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"wpr-flex-column-reverse\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/11\/Spring-Logo-white.svg\" class=\"wpr-data-table-th-img\" alt=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-5d49714\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">Bank Loans<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-01870fd\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">Credit Cards<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-ff89df4\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">Payday Loans<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\n\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-c70b96f wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-1442b2e wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tMax Amount\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-8b2e5a0 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t<strong>$35,000<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-79b4c3c wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t$50,000\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-d049344 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t$10,000\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-0cd0ce5 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t$1,500\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-21c4651 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-e9bf2e2 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tInterest Rates <br> From\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-55bb80c wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t<strong>9.99%<\/strong> \t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-b2d8b81 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t9.99%\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-6dec791 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t$19.99%\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-99e2fcd wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t200-450%\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-58565fe wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-9e9d1cb wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tFully Online Application\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-2c47b3d wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-6b77cfb wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-c253554 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-de3f0d3 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-e8c181e wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-0d9ce87 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tFast Approval\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-88b362d wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-be79647 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-a533f77 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-6ca1439 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-c90ab77 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-756db1a wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\te-Transfer <br> Delivery\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-c4dab2f wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-dbbe9ed wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-bd9a1d1 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-58be0a4 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t<\/div>\n    \t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59ac40a0 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"59ac40a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70a7ebdc wpr-equal-column-width-yes wpr-table-align-items-center elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-initial wpr-data-table-type-custom elementor-widget elementor-widget-wpr-data-table\" data-id=\"70a7ebdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-data-table.default\">\n\t\t\t\t\t\n\t\t\t\t\n\t\t<div class=\"wpr-table-container\">\n\t\t<div class=\"wpr-table-inner-container \" data-table-sorting=\"no\" data-custom-pagination=\"no\" data-row-pagination=\"\" data-entry-info=\"no\" data-rows-per-page=\"\">\n\n\t\t\n\t\t\t<table class=\"wpr-data-table\" id=\"wpr-data-table\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t<thead>\n\t\t\t\t\t<tr class=\"wpr-table-head-row wpr-table-row\">\n\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-b6e258f\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"wpr-flex-column-reverse\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/11\/Spring-Logo-white.svg\" class=\"wpr-data-table-th-img\" alt=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\n\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-c70b96f wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-1442b2e wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tMax Amount<br><strong>$35,000<\/strong>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-b34a640 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-3b12e41 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tinterest Rates From <br>\n<strong>$9.99%<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-21353b0 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-2f6c8af wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tFully Online Application\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-93f3233 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-e01eccb wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tApproval within <br>Hours\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-7623720 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-fb3668d wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tSame-Day <br> E-Transfer\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t<\/div>\n    \t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35a6bf8b elementor-widget-mobile__width-initial elementor-widget__width-initial elementor-pagination-type-bullets elementor-pagination-position-outside elementor-widget elementor-widget-n-carousel\" data-id=\"35a6bf8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;60863f9&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;7d57e8b&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;06e896c&quot;}],&quot;slides_to_show&quot;:&quot;1&quot;,&quot;slides_to_show_tablet&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;speed&quot;:500,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"polite\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 sur 3\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16aa389f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"16aa389f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-43981d8a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"43981d8a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c7c8b4d wpr-equal-column-width-yes wpr-table-align-items-center elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit wpr-data-table-type-custom elementor-widget elementor-widget-wpr-data-table\" data-id=\"5c7c8b4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-data-table.default\">\n\t\t\t\t\t\n\t\t\t\t\n\t\t<div class=\"wpr-table-container\">\n\t\t<div class=\"wpr-table-inner-container \" data-table-sorting=\"no\" data-custom-pagination=\"no\" data-row-pagination=\"\" data-entry-info=\"no\" data-rows-per-page=\"\">\n\n\t\t\n\t\t\t<table class=\"wpr-data-table\" id=\"wpr-data-table\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t<thead>\n\t\t\t\t\t<tr class=\"wpr-table-head-row wpr-table-row\">\n\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-b6e258f\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"wpr-flex-column-reverse\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">Bank Loans<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\" class=\"wpr-data-table-th-img\" alt=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\n\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-c70b96f wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-1442b2e wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t <span>Max Amount<\/span><br>\n$50,000\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-b34a640 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-3b12e41 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tinterest Rates From <br>\n9.99%\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-21353b0 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-2f6c8af wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tFully Online <br> Application\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-93f3233 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-e01eccb wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tApproval within <br> Hours\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-7623720 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-fb3668d wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tSame-Day <bR>E-Transfer\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t<\/div>\n    \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 sur 3\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57473b68 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"57473b68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-170f7d5f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"170f7d5f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20d18fd6 wpr-equal-column-width-yes wpr-table-align-items-center elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit wpr-data-table-type-custom elementor-widget elementor-widget-wpr-data-table\" data-id=\"20d18fd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-data-table.default\">\n\t\t\t\t\t\n\t\t\t\t\n\t\t<div class=\"wpr-table-container\">\n\t\t<div class=\"wpr-table-inner-container \" data-table-sorting=\"no\" data-custom-pagination=\"no\" data-row-pagination=\"\" data-entry-info=\"no\" data-rows-per-page=\"\">\n\n\t\t\n\t\t\t<table class=\"wpr-data-table\" id=\"wpr-data-table\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t<thead>\n\t\t\t\t\t<tr class=\"wpr-table-head-row wpr-table-row\">\n\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-b6e258f\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"wpr-flex-column-reverse\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">Credit Cards<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\" class=\"wpr-data-table-th-img\" alt=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\n\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-c70b96f wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-1442b2e wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t <span>Max Amount<\/span><br>\n$10,000\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-b34a640 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-3b12e41 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tinterest Rates From <br>\n$19.99%\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-21353b0 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-2f6c8af wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tFully Online <br>Application\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-93f3233 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-e01eccb wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tApproval within<br> Hours\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-7623720 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-fb3668d wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tSame-Day <br>E-Transfer\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t<\/div>\n    \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 sur 3\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-144f31e7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"144f31e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-102bdeb8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"102bdeb8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-382e889c wpr-equal-column-width-yes wpr-table-align-items-center elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit wpr-data-table-type-custom elementor-widget elementor-widget-wpr-data-table\" data-id=\"382e889c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-data-table.default\">\n\t\t\t\t\t\n\t\t\t\t\n\t\t<div class=\"wpr-table-container\">\n\t\t<div class=\"wpr-table-inner-container \" data-table-sorting=\"no\" data-custom-pagination=\"no\" data-row-pagination=\"\" data-entry-info=\"no\" data-rows-per-page=\"\">\n\n\t\t\n\t\t\t<table class=\"wpr-data-table\" id=\"wpr-data-table\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t<thead>\n\t\t\t\t\t<tr class=\"wpr-table-head-row wpr-table-row\">\n\t\t\t\t\t\n\t\t\t\t\t\t<th class=\"wpr-table-th elementor-repeater-item-b6e258f\" colspan=\"1\">\n\t\t\t\t\t\t\t<div class=\"wpr-flex-column-reverse\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">Payday Loans<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\" class=\"wpr-data-table-th-img\" alt=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\n\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-c70b96f wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-1442b2e wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t <span>Max Amount<\/span><br>\n$1,500\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-b34a640 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-3b12e41 wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper \">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tinterest Rates From <br>\n200-450%\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-21353b0 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-2f6c8af wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\"><path d=\"M11 1L1 11M1 1L11 11\" stroke=\"#FFCED6\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tFully Online <br> Application\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-93f3233 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-e01eccb wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tApproval within <br> Hours\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t<tr class=\"wpr-table-body-row wpr-table-row elementor-repeater-item-7623720 wpr-odd\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"elementor-repeater-item-fb3668d wpr-table-td\">\n\n\t\t\t\t\t\t\t\t<div class=\"wpr-td-content-wrapper wpr-flex-column-reverse\">\n\n\t\t\t\t\t\t\t\t\t<span style=\"display: inline-block; vertical-align: middle;\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"19\" viewBox=\"0 0 24 19\" fill=\"none\"><path d=\"M20.095 0.675222C20.9833 -0.220194 22.4289 -0.22569 23.3243 0.662568C24.2196 1.55075 24.2262 2.99638 23.3382 3.89183L9.68723 17.6516C9.25827 18.084 8.6741 18.3275 8.06501 18.3273C7.45605 18.3271 6.87268 18.0829 6.44405 17.6504L0.66124 11.8157L0.505598 11.6411C-0.22205 10.7407 -0.163573 9.41749 0.676425 8.58515C1.51642 7.7532 2.84009 7.70649 3.7336 8.44216L3.90569 8.60033L8.06627 12.7989L20.095 0.675222Z\" fill=\"#91FFE3\"><\/path><\/svg><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-table-text\">\n\t\t\t\t\t\t\t\t\t\t\t\tSame-Day <br>E-Transfer\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t<\/div>\n    \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-492e7006 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"492e7006\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>*Information is based on avarages and may vary by institution or lender. It is not intended to address specific circumstances or any individual case.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ba09027 sub-heading elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1ba09027\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Credit Score Needed to Borrow a Down Payment<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-782eabf elementor-widget elementor-widget-text-editor\" data-id=\"782eabf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are considering borrowing money from a financial institution for a down payment or just to expand your own resources and have a larger down payment or cover other expenses, the higher the credit score that you can have, the better. Not only do you have to be sure that you can get the down payment, but you also have to be sure that you can get approved for the mortgage as well.<\/p><p>In order to get a loan most lenders like you have a credit score of at least 620. If you can get a credit score somewhere between 680 to 700, then you are likely to get a much better interest rate. If you can bring your score higher than that then you are likely to qualify for a great interest rate. That being said you still need to qualify for the mortgage.<\/p><p>In order to qualify for a mortgage in Canada, if your down payment is going to be less than 20%, you need to qualify for CMHC mortgage default insurance. This protects the mortgage lender if you default on your payments. In order to qualify for this insurance, the CMHC requires that you must have a credit score no lower than 680. For this reason, in order to get a down payment loan, it is recommended that you have a credit score of around 700 but no lower than 680.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aea27af e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"aea27af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-654a4351 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"654a4351\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c019df0 elementor-widget elementor-widget-heading\" data-id=\"3c019df0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calculate your payments<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bfd147d elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-html\" data-id=\"5bfd147d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div id=\"loan-calculator\" role=\"region\" aria-label=\"Loan Calculator\">\n   <!-- Frequency -->\n   <div class=\"field\">\n      <div class=\"label\">Payment Frequency<\/div>\n      <div class=\"frequency-options\">\n         <input type=\"radio\" id=\"freq-monthly\" name=\"frequency\" value=\"Monthly\" checked>\n         <label for=\"freq-monthly\">Monthly<\/label>\n         <input type=\"radio\" id=\"freq-semi\" name=\"frequency\" value=\"Semi-Monthly\">\n         <label for=\"freq-semi\">Semi-Monthly<\/label>\n         <input type=\"radio\" id=\"freq-bi\" name=\"frequency\" value=\"Bi-Weekly\">\n         <label for=\"freq-bi\">Bi-Weekly<\/label>\n      <\/div>\n   <\/div>\n\n   <!-- Duration -->\n   <div class=\"field\">\n      <div class=\"row\">\n         <div class=\"label\">Duration<\/div>\n      <\/div>\n      <input type=\"range\" class=\"duration\" min=\"6\" max=\"60\" step=\"1\" value=\"24\" aria-label=\"Duration in months\">\n      <div class=\"limits\">\n         <span>6 Months<\/span>\n         <div class=\"value duration-display\">24<\/div>\n         <span>60 Months<\/span>\n      <\/div>\n   <\/div>\n\n   <!-- Credit Score -->\n   <div class=\"field\">\n      <div class=\"row\">\n         <div class=\"label\">Credit Score<\/div>\n      <\/div>\n      <input type=\"range\" class=\"credit\" min=\"300\" max=\"900\" step=\"10\" value=\"650\" aria-label=\"Credit score\">\n      <div class=\"limits\">\n         <span>300<\/span>\n         <div class=\"value credit-display\">650<\/div>\n         <span>900<\/span>\n      <\/div>\n   <\/div>\n\n   <!-- Loan Amount -->\n   <div class=\"field\">\n      <div class=\"row\">\n         <div class=\"label\">Loan Amount<\/div>\n      <\/div>\n      <input type=\"range\" class=\"amount\" min=\"500\" max=\"35000\" step=\"100\" value=\"15000\" aria-label=\"Loan amount\">\n      <div class=\"limits\">\n         <span>$500<\/span>\n         <div class=\"value amount-display\">$15,000<\/div>\n         <span>$35,000<\/span>\n      <\/div>\n   <\/div>\n<\/div>\n\n<style>\n#loan-calculator { \n  font-family: Inter;\n  max-width: 720px; \n  margin: 0 auto; \n  display: grid; \n  gap: 2.5rem; \n  box-sizing: border-box;\n}\n\n#loan-calculator * { box-shadow: none !important; }\n\n.field { display: grid; gap: .5rem; }\n.row { display:flex; justify-content:space-between; align-items:center; }\n.label { font-weight:600; }\n\n\/* Frequency container *\/\n.frequency-options {\n  display: flex;\n  justify-content: space-between;\n  gap: 2%;\n  margin-bottom: 1rem;\n  margin-top: 12px;\n}\n\n\/* Hide native radio *\/\n.frequency-options input { display: none; }\n\n\/* Labels as buttons *\/\n.frequency-options label {\n  flex: 1 1 32%;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  text-align: center;\n  padding: 0.75rem 0.5rem;\n  border-radius: 100px;\n  border: 1px solid #3800A7;\n  background: #fff;\n  color: #3800A7;\n  cursor: pointer;\n  font-size: 14px;\n  font-weight: 500;\n  transition: all 0.2s ease;\n  user-select: none;\n  white-space: nowrap;\n}\n\n\/* Active state *\/\n.frequency-options input:checked + label {\n  background: #3800A7;\n  color: #fff;\n}\n\n\/* Base slider *\/\ninput[type=\"range\"] {\n  -webkit-appearance: none;\n  width: 100%;\n  height: 2px;\n  border-radius: 3px;\n  border: none !important;\n  background: #F0F0F0;\n  outline: none;\n  margin: 12px 0;\n  cursor: pointer;\n  transition: background 0.2s;\n}\n\n\/* Chrome \/ Safari Thumb *\/\ninput[type=\"range\"]::-webkit-slider-thumb {\n  -webkit-appearance: none;\n  appearance: none;\n  width: 22px;\n  height: 22px;\n  border-radius: 50%;\n  background: #fff;\n  border: 3px solid #FF4262;\n  cursor: pointer;\n  margin-top: -3px;\n  position: relative;\n  z-index: 2;\n  box-shadow: none !important; \/* remove shadow *\/\n}\n\n\/* Firefox Thumb *\/\ninput[type=\"range\"]::-moz-range-thumb {\n  width: 22px;\n  height: 22px;\n  border-radius: 50%;\n  background: #fff;\n  border: 3px solid #FF4262;\n  cursor: pointer;\n  position: relative;\n  top: 7px;\n  z-index: 2;\n  box-shadow: none !important; \/* remove shadow *\/\n}\n\n\/* Firefox Track *\/\ninput[type=\"range\"]::-moz-range-track {\n  height: 2px;\n  border-radius: 3px;\n  background: #F0F0F0;\n}\n\n\/* IE\/Edge Fallback *\/\ninput[type=\"range\"]::-ms-track {\n  height: 2px;\n  border-radius: 3px;\n  background: transparent;\n  border-color: transparent;\n  color: transparent;\n}\n\n.slider-label { font-weight: 600; color: #4B00B5; }\n.slider-value { font-weight: 700; color: #4B00B5; }\n.slider-min,\n.slider-max { font-size: 0.9rem; color: #BFBFBF; }\n\n.limits { \n  display:flex; \n  justify-content:space-between; \n  font-size:14px; \n  font-weight:700;\n  color:#BFBFBF; \n  position: relative;\n  top: -4px;\n}\n\n.limits .value { \n  color: #3800A7;\n  font-size: 17px;\n  font-weight:600; \n  top: 4px;\n  position: relative;\n}\n\n\/* Responsive improvement: stack buttons vertically on very narrow screens *\/\n@media (max-width: 420px) {\n  .frequency-options {\n    flex-direction: column;\n    gap: 10px;\n  }\n  .frequency-options label {\n    flex: 1 1 auto;\n  }\n}\n<\/style>\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n  const amountInput   = document.querySelector('.amount');\n  const durationInput = document.querySelector('.duration');\n  const creditInput   = document.querySelector('.credit');\n  const freqInputs    = document.querySelectorAll('input[name=\"frequency\"]');\n\n  const amountDisplay   = document.querySelector('.amount-display');\n  const durationDisplay = document.querySelector('.duration-display');\n  const creditDisplay   = document.querySelector('.credit-display');\n\n  const totalOutput = document.querySelector('#total-payment span');\n  const freqOutput  = document.querySelector('#payment-frequency-total span');\n\n  const formatCurrency = n =>\n    '$' + Number(n).toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });\n\n  function getAprFromCredit(score) {\n    const maxAPR = 0.25;\n    const minAPR = 0.05;\n    return maxAPR - (score - 300) * (maxAPR - minAPR) \/ (900 - 300);\n  }\n\n  function selectedFrequency() {\n    const checked = Array.from(freqInputs).find(r => r.checked);\n    return checked ? checked.value : 'Monthly';\n  }\n\n  function paymentsPerYear(freq) {\n    const f = freq.toLowerCase();\n    if (f === 'semi-monthly') return 24;\n    if (f === 'bi-weekly') return 26;\n    return 12;\n  }\n\n  function updateDisplays() {\n    if (amountDisplay) amountDisplay.textContent = formatCurrency(amountInput.value);\n    if (durationDisplay) durationDisplay.textContent = durationInput.value + ' Months';\n    if (creditDisplay) creditDisplay.textContent = creditInput.value;\n  }\n\n  function calculate() {\n    if (!amountInput || !durationInput || !creditInput) return;\n\n    const P      = Number(amountInput.value);\n    const months = Number(durationInput.value);\n    const score  = Number(creditInput.value);\n    const freq   = selectedFrequency();\n\n    const ppy           = paymentsPerYear(freq);\n    const totalPayments = months * (ppy \/ 12);\n    const apr           = getAprFromCredit(score);\n    const r             = apr \/ ppy;\n\n    let payment;\n    if (r === 0) {\n      payment = P \/ totalPayments;\n    } else {\n      const pow = Math.pow(1 + r, totalPayments);\n      payment = P * (r * pow) \/ (pow - 1);\n    }\n\n    if (freqOutput)  freqOutput.textContent  = freq;\n    if (totalOutput) totalOutput.textContent = formatCurrency(payment);\n  }\n\n  const inputs = [amountInput, durationInput, creditInput, ...Array.from(freqInputs)];\n  inputs.forEach(el => el && el.addEventListener('input', () => { updateDisplays(); calculate(); }));\n\n  updateDisplays();\n  calculate();\n});\n\ndocument.querySelectorAll('input[type=\"range\"]').forEach(slider => {\n  function updateSliderBackground(slider) {\n    const min = slider.min ? slider.min : 0;\n    const max = slider.max ? slider.max : 100;\n    const val = slider.value;\n    const percent = ((val - min) * 100) \/ (max - min);\n    slider.style.background = `linear-gradient(90deg, #4B00B5 0%, #FF4262 ${percent}%, #F0F0F0 ${percent}%)`;\n  }\n  updateSliderBackground(slider);\n  slider.addEventListener('input', () => updateSliderBackground(slider));\n});\n<\/script>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5870fc53 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5870fc53\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-27e47100 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no elementor-invisible e-con e-child\" data-id=\"27e47100\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_delay&quot;:200}\">\n\t\t<div class=\"elementor-element elementor-element-3a86d732 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3a86d732\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e88a1c9 elementor-widget elementor-widget-heading\" data-id=\"1e88a1c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">You\u2019ll pay:<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e9e7265 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5e9e7265\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M28.5049 24.1855C28.5058 27.0027 26.22 29.5271 23.3975 29.8232L17.498 30.4443L17.4961 21.0449C17.4939 18.2276 19.7809 15.7034 22.6025 15.4062V15.4072L28.5029 14.7852L28.5049 24.1855ZM23 12.8477L22.3408 12.917C21.3324 13.0233 20.3574 13.3213 19.4443 13.8027C18.5759 14.2613 17.7986 14.8665 17.1328 15.6016C16.4659 16.339 15.9409 17.1734 15.5732 18.0811C15.1851 19.0385 14.9893 20.0381 14.9893 21.0508L14.9902 21.0518V25.1729L11.9941 25.4883L11.9922 16.0889C11.99 13.2716 14.277 10.7474 17.0986 10.4502L23 9.82812V12.8477Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36ac91db elementor-widget elementor-widget-heading\" data-id=\"36ac91db\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"total-payment\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">$234.56<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10f9f84c elementor-mobile-align-justify elementor-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"10f9f84c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.springfinancial.ca\/apply\/personal-loans\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a157b13 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6a157b13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-308f7b72 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"308f7b72\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">You have questions, <br>we have answers.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c6fdde8 elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"5c6fdde8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1550\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1550\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Is borrowing your down payment a bad idea? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1550\" class=\"elementor-element elementor-element-5dccd5a9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5dccd5a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e78683c elementor-widget elementor-widget-text-editor\" data-id=\"1e78683c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This depends on your financial situation. In most situations, it can be beneficial to borrow a down payment to purchase a home. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1551\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1551\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> What are the monthly payments on a down payment loan? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1551\" class=\"elementor-element elementor-element-597bd143 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"597bd143\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50b3667c elementor-widget elementor-widget-text-editor\" data-id=\"50b3667c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>How much you pay depends on the loan amount and the repayment terms. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1552\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1552\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Will a mortgage down payment affect your mortgage rates? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1552\" class=\"elementor-element elementor-element-251705d9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"251705d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fedf9cf elementor-widget elementor-widget-text-editor\" data-id=\"6fedf9cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It all depends on the lender, but it shouldn\u2019t make a difference. You just have to be careful not to go over the required debt-to-income ratio. A mortgage specialist will be able to give you the specifics of your personal situation. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1553\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1553\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Is a mortgage cheaper than rent payments? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1553\" class=\"elementor-element elementor-element-40e757ea e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"40e757ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bb12d40 elementor-widget elementor-widget-text-editor\" data-id=\"3bb12d40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It can be much cheaper to purchase a home, depending on how much your rent payments are, even with a down payment loan. Plus, you\u2019re paying into your own equity. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba563ae elementor-mobile-align-justify elementor-align-center elementor-widget__width-inherit elementor-widget-mobile__width-initial cta-btn elementor-widget elementor-widget-button\" data-id=\"7ba563ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.springfinancial.ca\/apply\/personal-loans\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed2f247 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"ed2f247\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3da83ac6 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"3da83ac6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About Spring Financial<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a595b1 elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-icon-box\" data-id=\"3a595b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tApply From Your Device and Say Goodbye to Financial Stress\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tExperience the most convenient and hassle-free loan application, specifically designed for Canadians, by Canadians. Apply, get approved, and receive the funds via e-Transfer, all from the comfort of your device. Say goodbye to long queues and tedious paperwork! Our process is intentionally designed to be simple, fast, and straightforward.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38d554f8 elementor-mobile-align-justify elementor-align-left elementor-widget__width-inherit elementor-widget-mobile__width-initial cta-btn elementor-widget elementor-widget-button\" data-id=\"38d554f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.springfinancial.ca\/apply\/personal-loans\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36c0d87 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"36c0d87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Down Payment Loans in Canada Ready to apply? Enter your email and get up to $35,000 today. How To Borrow Money For A Down Payment When you are looking for a loan for your down payment or just more money to add to your own savings, you are going to need some of the same things that you would need to get a mortgage. Prerequisites for Getting a Down Payment Loan Proof of employment: This is going to be either a letter of employment from your work or 2 of your most recent pay stubs. In some cases both may be required. Credit Check: This is going to show the lender your credit score, your credit history and your debt-to-income ratio. Your DTI should be relatively low if you are looking for a down payment loan because your total DTI (with loan payments, mortgage payments and all other debt) should be no more than 40% of your monthly income. This gives the lenders more confidence in you making your payments on time while covering your bills and other housing costs. Copy of ID: This is usually a government ID like a driver\u2019s license or passport. In most places in Canada, a personal health card isn\u2019t accepted. Bank Statements: A bank account is required to get financing in Canada. Lenders usually require no less than 90 days of bank statements in order to prove you have a bank account, verify your income and show that your account is active. If you don\u2019t choose to go with this type of borrowed down payment, then the process will be a little different. You would have to apply for approval for government assistance programs. Taking money from your RRSP requires a form you have to sign and bring to the bank. If you are getting a loan or being gifted money from an immediate family member, then you would have to speak to your lender about what they require as proof for the loan or gifted money. This is usually just a gift letter or something that is equivalent to that. Borrowing Money for an Investment Purchase If you borrow money for investment purposes, keep in mind that the process is going to be a little bit different. This is because, even if it is your first purchase, you are not going to live in the home. If you don\u2019t intend to live in the home for at least a year after purchasing then there are certain things you are not eligible for such as the RRSP home buyers program, some down payment assistance programs as well as a reduced down payment. As we mentioned, in Canada as a first time home buyer you are allowed to reduce your down payment to as low as 5% of the purchase price and get a high ratio mortgage. That being said, you cannot do this if you are purchasing the home as an investment property. You must live in the home for the first year after purchase to qualify for this. The minimum down payment required for an investment property is 20%. If you are choosing to borrow for an investment property, then you would be eligible to use the following options: Personal Loan Line of Credit Credit Card Loan from Family If you already own a home and are looking to purchase a second property, then another option available to you would be a home equity line of credit (HELOC). You could also use a home equity loan. This works because you are able to borrow money from the existing equity in your current home minus any amounts that you still have owed on the mortgage. This tends to have a much lower interest rate than any other loan or an unsecured line of credit, but it is also risky. This means that the down payment is now a secured loan against another property, and if you default on these payments, you may lose your home. Ways to Borrow Your Down Payment When it comes to borrowing money for your down payment, you actually do have a few different options. Some of these options are better than others though. It is important to keep in mind that even though you don\u2019t have to come up with the down payment up front, you now have to pay interest on the money you are borrowing. This means that you should pay close attention to what those costs will be, it will also affect your total approval amount for your mortgage. Personal Loan The first option with the lowest interest rate is a personal loan. Personal loans are often very flexible, and you can make the payments on the same schedule as your mortgage. They are more structured and usually can be paid off in 3-5 years. A lot of personal loans are also open loans, meaning that you can put extra money on them whenever you have it and can pay them off early. Line of Credit Another way you could borrow money for your down payment funds is with a line of credit. A line of credit works a little differently than a personal loan. They are a form of revolving credit, meaning only the interest is required to be paid, and you can pay off and use up to the credit limit as much as you please. That being said, lines of credit tend to have a slightly higher interest rate than personal loans. They also normally have variable interest rates. This means that The interest rate changes with the prime rate. Another thing to consider about lines of credit is that they don\u2019t require a principal payment, so you can end up leaving them and paying more interest over time. Credit Card Using a credit card for a down payment has the highest interest rate of all of the options. Not only that but if you don\u2019t pay back the cash advance within 30 days, then you have to start paying an extremely<\/p>\n","protected":false},"author":17,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-18609","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How To Borrow Money For A Down Payment - Spring Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/springfinancial.ca\/down-payment-loans\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Borrow Money For A Down Payment - Spring Financial\" \/>\n<meta property=\"og:description\" content=\"Down Payment Loans in Canada Ready to apply? Enter your email and get up to $35,000 today. How To Borrow Money For A Down Payment When you are looking for a loan for your down payment or just more money to add to your own savings, you are going to need some of the same things that you would need to get a mortgage. Prerequisites for Getting a Down Payment Loan Proof of employment: This is going to be either a letter of employment from your work or 2 of your most recent pay stubs. In some cases both may be required. Credit Check: This is going to show the lender your credit score, your credit history and your debt-to-income ratio. Your DTI should be relatively low if you are looking for a down payment loan because your total DTI (with loan payments, mortgage payments and all other debt) should be no more than 40% of your monthly income. This gives the lenders more confidence in you making your payments on time while covering your bills and other housing costs. Copy of ID: This is usually a government ID like a driver\u2019s license or passport. In most places in Canada, a personal health card isn\u2019t accepted. Bank Statements: A bank account is required to get financing in Canada. Lenders usually require no less than 90 days of bank statements in order to prove you have a bank account, verify your income and show that your account is active. If you don\u2019t choose to go with this type of borrowed down payment, then the process will be a little different. You would have to apply for approval for government assistance programs. Taking money from your RRSP requires a form you have to sign and bring to the bank. If you are getting a loan or being gifted money from an immediate family member, then you would have to speak to your lender about what they require as proof for the loan or gifted money. This is usually just a gift letter or something that is equivalent to that. Borrowing Money for an Investment Purchase If you borrow money for investment purposes, keep in mind that the process is going to be a little bit different. This is because, even if it is your first purchase, you are not going to live in the home. If you don\u2019t intend to live in the home for at least a year after purchasing then there are certain things you are not eligible for such as the RRSP home buyers program, some down payment assistance programs as well as a reduced down payment. As we mentioned, in Canada as a first time home buyer you are allowed to reduce your down payment to as low as 5% of the purchase price and get a high ratio mortgage. That being said, you cannot do this if you are purchasing the home as an investment property. You must live in the home for the first year after purchase to qualify for this. The minimum down payment required for an investment property is 20%. If you are choosing to borrow for an investment property, then you would be eligible to use the following options: Personal Loan Line of Credit Credit Card Loan from Family If you already own a home and are looking to purchase a second property, then another option available to you would be a home equity line of credit (HELOC). You could also use a home equity loan. This works because you are able to borrow money from the existing equity in your current home minus any amounts that you still have owed on the mortgage. This tends to have a much lower interest rate than any other loan or an unsecured line of credit, but it is also risky. This means that the down payment is now a secured loan against another property, and if you default on these payments, you may lose your home. Ways to Borrow Your Down Payment When it comes to borrowing money for your down payment, you actually do have a few different options. Some of these options are better than others though. It is important to keep in mind that even though you don\u2019t have to come up with the down payment up front, you now have to pay interest on the money you are borrowing. This means that you should pay close attention to what those costs will be, it will also affect your total approval amount for your mortgage. Personal Loan The first option with the lowest interest rate is a personal loan. Personal loans are often very flexible, and you can make the payments on the same schedule as your mortgage. They are more structured and usually can be paid off in 3-5 years. A lot of personal loans are also open loans, meaning that you can put extra money on them whenever you have it and can pay them off early. Line of Credit Another way you could borrow money for your down payment funds is with a line of credit. A line of credit works a little differently than a personal loan. They are a form of revolving credit, meaning only the interest is required to be paid, and you can pay off and use up to the credit limit as much as you please. That being said, lines of credit tend to have a slightly higher interest rate than personal loans. They also normally have variable interest rates. This means that The interest rate changes with the prime rate. Another thing to consider about lines of credit is that they don\u2019t require a principal payment, so you can end up leaving them and paying more interest over time. Credit Card Using a credit card for a down payment has the highest interest rate of all of the options. Not only that but if you don\u2019t pay back the cash advance within 30 days, then you have to start paying an extremely\" \/>\n<meta property=\"og:url\" content=\"https:\/\/springfinancial.ca\/down-payment-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Spring Financial\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/springfinancial\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-19T20:17:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/hero-img-static-blog.png\" \/>\n\t<meta property=\"og:image:width\" content=\"945\" \/>\n\t<meta property=\"og:image:height\" content=\"930\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"17 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/springfinancial.ca\/down-payment-loans\/\",\"url\":\"https:\/\/springfinancial.ca\/down-payment-loans\/\",\"name\":\"How To Borrow Money For A Down Payment - Spring Financial\",\"isPartOf\":{\"@id\":\"https:\/\/springfinancial.ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/springfinancial.ca\/down-payment-loans\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/springfinancial.ca\/down-payment-loans\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/hero-img-static-blog.png\",\"datePublished\":\"2025-12-18T19:14:46+00:00\",\"dateModified\":\"2025-12-19T20:17:26+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/springfinancial.ca\/down-payment-loans\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/springfinancial.ca\/down-payment-loans\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/springfinancial.ca\/down-payment-loans\/#primaryimage\",\"url\":\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/hero-img-static-blog.png\",\"contentUrl\":\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/12\/hero-img-static-blog.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/springfinancial.ca\/down-payment-loans\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/springfinancial.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How To Borrow Money For A Down Payment\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/springfinancial.ca\/#website\",\"url\":\"https:\/\/springfinancial.ca\/\",\"name\":\"Spring Financial\",\"description\":\"Online Loans from 9.99%\",\"publisher\":{\"@id\":\"https:\/\/springfinancial.ca\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/springfinancial.ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/springfinancial.ca\/#organization\",\"name\":\"Spring Financial\",\"url\":\"https:\/\/springfinancial.ca\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/springfinancial.ca\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/08\/spring-logo-80x34-1.svg\",\"contentUrl\":\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/08\/spring-logo-80x34-1.svg\",\"width\":80,\"height\":34,\"caption\":\"Spring Financial\"},\"image\":{\"@id\":\"https:\/\/springfinancial.ca\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/springfinancial\/\",\"https:\/\/www.instagram.com\/springfinancial.ca\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How To Borrow Money For A Down Payment - Spring Financial","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/springfinancial.ca\/down-payment-loans\/","og_locale":"fr_FR","og_type":"article","og_title":"How To Borrow Money For A Down Payment - Spring Financial","og_description":"Down Payment Loans in Canada Ready to apply? Enter your email and get up to $35,000 today. How To Borrow Money For A Down Payment When you are looking for a loan for your down payment or just more money to add to your own savings, you are going to need some of the same things that you would need to get a mortgage. Prerequisites for Getting a Down Payment Loan Proof of employment: This is going to be either a letter of employment from your work or 2 of your most recent pay stubs. In some cases both may be required. Credit Check: This is going to show the lender your credit score, your credit history and your debt-to-income ratio. Your DTI should be relatively low if you are looking for a down payment loan because your total DTI (with loan payments, mortgage payments and all other debt) should be no more than 40% of your monthly income. This gives the lenders more confidence in you making your payments on time while covering your bills and other housing costs. Copy of ID: This is usually a government ID like a driver\u2019s license or passport. In most places in Canada, a personal health card isn\u2019t accepted. Bank Statements: A bank account is required to get financing in Canada. Lenders usually require no less than 90 days of bank statements in order to prove you have a bank account, verify your income and show that your account is active. If you don\u2019t choose to go with this type of borrowed down payment, then the process will be a little different. You would have to apply for approval for government assistance programs. Taking money from your RRSP requires a form you have to sign and bring to the bank. If you are getting a loan or being gifted money from an immediate family member, then you would have to speak to your lender about what they require as proof for the loan or gifted money. This is usually just a gift letter or something that is equivalent to that. Borrowing Money for an Investment Purchase If you borrow money for investment purposes, keep in mind that the process is going to be a little bit different. This is because, even if it is your first purchase, you are not going to live in the home. If you don\u2019t intend to live in the home for at least a year after purchasing then there are certain things you are not eligible for such as the RRSP home buyers program, some down payment assistance programs as well as a reduced down payment. As we mentioned, in Canada as a first time home buyer you are allowed to reduce your down payment to as low as 5% of the purchase price and get a high ratio mortgage. That being said, you cannot do this if you are purchasing the home as an investment property. You must live in the home for the first year after purchase to qualify for this. The minimum down payment required for an investment property is 20%. If you are choosing to borrow for an investment property, then you would be eligible to use the following options: Personal Loan Line of Credit Credit Card Loan from Family If you already own a home and are looking to purchase a second property, then another option available to you would be a home equity line of credit (HELOC). You could also use a home equity loan. This works because you are able to borrow money from the existing equity in your current home minus any amounts that you still have owed on the mortgage. This tends to have a much lower interest rate than any other loan or an unsecured line of credit, but it is also risky. This means that the down payment is now a secured loan against another property, and if you default on these payments, you may lose your home. Ways to Borrow Your Down Payment When it comes to borrowing money for your down payment, you actually do have a few different options. Some of these options are better than others though. It is important to keep in mind that even though you don\u2019t have to come up with the down payment up front, you now have to pay interest on the money you are borrowing. This means that you should pay close attention to what those costs will be, it will also affect your total approval amount for your mortgage. Personal Loan The first option with the lowest interest rate is a personal loan. Personal loans are often very flexible, and you can make the payments on the same schedule as your mortgage. They are more structured and usually can be paid off in 3-5 years. A lot of personal loans are also open loans, meaning that you can put extra money on them whenever you have it and can pay them off early. Line of Credit Another way you could borrow money for your down payment funds is with a line of credit. A line of credit works a little differently than a personal loan. They are a form of revolving credit, meaning only the interest is required to be paid, and you can pay off and use up to the credit limit as much as you please. That being said, lines of credit tend to have a slightly higher interest rate than personal loans. They also normally have variable interest rates. This means that The interest rate changes with the prime rate. Another thing to consider about lines of credit is that they don\u2019t require a principal payment, so you can end up leaving them and paying more interest over time. Credit Card Using a credit card for a down payment has the highest interest rate of all of the options. 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