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Loans for Building Credit

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Top Bad Credit Loans

Our expert rankings of the Loans for Building Credit.

Nyble
Nyble Personal Loan
Est. APR
0%
Loan Amount
$30 - $250
Loan Terms
Varies
Recommended Score
All Credit Types
Online Application Flexible Repayment Options Bad Credit Considered Credit Bureau Reporting Funds Deposited within 24h
Min Income: $12k/yr
Origination Fee: 0%
Funding: Varies
Go to Site
Secure & No Credit Impact
0% Interest. Optional $11.99/mo membership for instant funding and identity protection.
Rates, Fees & Terms
Rate Type Fixed
Typical APR Varies
Loan Amounts $30 - $250
Available Terms N/A to N/A months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time Varies
Eligibility Requirements
Minimum Income $12,000/yr
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Online Application Flexible Repayment Options Bad Credit Considered Credit Bureau Reporting Funds Deposited within 24h
Nyble
Nyble Credit Building Line
Est. APR
0%
Loan Amount
$30 - $250
Loan Terms
Varies
Recommended Score
All Credit Types
Online Application Flexible Repayment Options Bad Credit Considered Credit Bureau Reporting Funds Deposited within 24h
Min Income: $12k/yr
Origination Fee: 0%
Funding: Varies
Go to Site
Secure & No Credit Impact
0% Interest. Optional $11.99/mo membership for instant funding and identity protection.
Rates, Fees & Terms
Rate Type Fixed
Typical APR Varies
Loan Amounts $30 - $250
Available Terms N/A to N/A months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time Varies
Eligibility Requirements
Minimum Income $12,000/yr
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Online Application Flexible Repayment Options Bad Credit Considered Credit Bureau Reporting Funds Deposited within 24h
goPeer
goPeer Personal Loan
Est. APR
8.99% - 34.99%
Loan Amount
$1k - $35k
Loan Terms
36 - 60 Mo
Recommended Score
All Credit Types
No Collateral Required Soft Credit Check for Pre-approval
Min Income: $35k/yr
Origination Fee: 0%
Funding: 2 Days
Go to Site
Secure & No Credit Impact
Rates, Fees & Terms
Rate Type Fixed
Typical APR 19.99%
Loan Amounts $1,000 - $35,000
Available Terms 36 to 60 months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time 2 Days
Eligibility Requirements
Minimum Income $35,000/yr
Credit Score Required No Minimum
Minimum Age 19 years old
Residency Status Canadian Resident
Included Features
No Collateral Required Fast Approval Online Application Soft Credit Check for Pre-approval

Representative Example: For example, the average borrowing cost paid on a $10,000 unsecured personal loan at an APR of 19.99%, with a 3-year term and weekly payments of $85.36 is $3,301.20.

Fairstone Bank
Fairstone Unsecured Personal Loan
Est. APR
29.99%
Loan Amount
$500 - $25k
Loan Terms
6 - 60 Mo
Recommended Score
All Credit Types
Fast Approval No Early Repayment Penalty Funds Deposited within 24h
Min Income: No strict min.
Origination Fee: 0%
Funding: Within 24h
Go to Site
Secure & No Credit Impact
Rates, Fees & Terms
Rate Type Fixed
Typical APR 29.99%
Loan Amounts $500 - $25,000
Available Terms 6 to 60 months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time Within 24 Hours
Eligibility Requirements
Minimum Income No strict minimum
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Fast Approval Online Application No Early Repayment Penalty Weekly/Bi-weekly Payments Bad Credit Considered Branch Support Available Funds Deposited within 24h
Highlights & Pros
  • Extremely fast funding (often same day)
  • No collateral or homeownership required
  • No penalties for paying off the loan early
  • Complete the entire process from home using a secure portal
Things to Consider
  • Higher interest rates (29.99%+) compared to secured loans
  • Lower maximum borrowing limit ($25,000)
  • Requires a device with a camera for identity verification
KOHO Financial Inc
KOHO Personal Loan
Est. APR
19.90%
Loan Amount
$1k - $15k
Loan Terms
Varies
Recommended Score
All Credit Types
Online Application Soft Credit Check for Pre-approval Funds Deposited within 24h
Min Income: No strict min.
Origination Fee: $0.00
Funding: Within 24h
Go to Site
Secure & No Credit Impact
Rates, Fees & Terms
Rate Type Fixed
Typical APR 19.90%
Loan Amounts $1,000 - $15,000
Available Terms N/A to N/A months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time Within 24 Hours
Eligibility Requirements
Minimum Income No strict minimum
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Online Application Flexible Repayment Options Soft Credit Check for Pre-approval Funds Deposited within 24h
Highlights & Pros
  • No annual, late, or origination fees
  • Applying does not impact your credit score
  • Only pay interest on the amount of credit you actually use
Things to Consider
  • Only available to residents of AB, ON, NB, SK, NS, and BC
  • Requires a KOHO account/membership
Spring
Spring Financial Personal Loan
Est. APR
9.99%
Loan Amount
$500 - $35k
Loan Terms
6 - 84 Mo
Recommended Score
All Credit Types
Online Application Soft Credit Check for Pre-approval Bad Credit Considered Funds Deposited within 24h
Min Income: No strict min.
Origination Fee: 0%
Funding: Within 24h
Go to Site
Secure & No Credit Impact
Rates, Fees & Terms
Rate Type Fixed
Typical APR 9.99%
Loan Amounts $500 - $35,000
Available Terms 6 to 84 months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time Within 24 Hours
Eligibility Requirements
Minimum Income No strict minimum
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Online Application Soft Credit Check for Pre-approval Bad Credit Considered 24/7 Support Funds Deposited within 24h
Highlights & Pros
  • Extremely fast funding via e-Transfer (same day)
  • No branch visits or appointments required; 100% online
  • Accessible to all credit scores with no impact to check your rate
Things to Consider
  • Maximum APR can reach up to 35.00% depending on creditworthiness
  • Higher rates than traditional big bank loans for some borrowers

Representative Example: $5,000 loan with a 48 month term at 9.99% APR is a Weekly payment of $29.17, total cost of interest $1,066.48.

Mogo
Mogo Personal Loan
Est. APR
Varies
Loan Amount
$500 - $35k
Loan Terms
Varies
Recommended Score
All Credit Types
Online Application No Early Repayment Penalty Soft Credit Check for Pre-approval Funds Deposited within 24h
Min Income: No strict min.
Origination Fee: 0%
Funding: Within 24h
Go to Site
Secure & No Credit Impact
100 Day Money Back Guarantee
Rates, Fees & Terms
Rate Type Variable
Typical APR Varies
Loan Amounts $500 - $35,000
Available Terms N/A to N/A months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time Within 24 Hours
Eligibility Requirements
Minimum Income No strict minimum
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Fast Approval Online Application No Early Repayment Penalty Loan Top-Up Option Soft Credit Check for Pre-approval Funds Deposited within 24h
Highlights & Pros
  • 100-day money-back guarantee on interest and fees if principal is repaid
  • Pre-approval process does not impact your credit score
  • No penalties for paying off the balance in full at any time
Things to Consider
  • Base interest rates are not disclosed on the main landing page
  • Availability may be restricted to specific licensed provinces (AB, BC, MB)
KOHO Financial Inc
KOHO Line of Credit
Est. APR
19.90%
Loan Amount
$1k - $15k
Loan Terms
Varies
Recommended Score
All Credit Types
Online Application Flexible Repayment Options Soft Credit Check for Pre-approval Funds Deposited within 24h
Min Income: No strict min.
Origination Fee: $0.00
Funding: Within 24h
Go to Site
Secure & No Credit Impact
Rates, Fees & Terms
Rate Type Fixed
Typical APR 19.90%
Loan Amounts $1,000 - $15,000
Available Terms N/A to N/A months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time Within 24 Hours
Eligibility Requirements
Minimum Income No strict minimum
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Online Application Flexible Repayment Options Soft Credit Check for Pre-approval Funds Deposited within 24h
Highlights & Pros
  • No annual, late, or origination fees
  • Applying does not impact your credit score
  • Only pay interest on the amount of credit you actually use
Things to Consider
  • Only available to residents of AB, ON, NB, SK, NS, and BC
  • Requires a KOHO account/membership
Mogo
Mogo Line of Credit
Est. APR
Varies
Loan Amount
$500 - $35k
Loan Terms
Varies
Recommended Score
All Credit Types
Fast Approval Online Application No Early Repayment Penalty Soft Credit Check for Pre-approval Funds Deposited within 24h
Min Income: No strict min.
Origination Fee: 0%
Funding: Within 24h
Go to Site
Secure & No Credit Impact
100 Day Money Back Guarantee
Rates, Fees & Terms
Rate Type Variable
Typical APR Varies
Loan Amounts $500 - $35,000
Available Terms N/A to N/A months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time Within 24 Hours
Eligibility Requirements
Minimum Income No strict minimum
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Fast Approval Online Application No Early Repayment Penalty Soft Credit Check for Pre-approval Funds Deposited within 24h
Highlights & Pros
  • 100-day money-back guarantee on interest and fees if principal is repaid
  • Pre-approval process does not impact your credit score
  • No penalties for paying off the balance in full at any time
Things to Consider
  • Base interest rates are not disclosed on the main landing page
  • Availability may be restricted to specific licensed provinces (AB, BC, MB)
Fairstone Bank
Fairstone Secured Personal Loan
Est. APR
19.99%
Loan Amount
$5k - $60k
Loan Terms
36 - 120 Mo
Recommended Score
All Credit Types
Secured Loan Branch Support Available
Min Income: No strict min.
Origination Fee: 0%
Funding: 3 Days
Go to Site
Secure & No Credit Impact
Rates, Fees & Terms
Rate Type Fixed
Typical APR 19.99%
Loan Amounts $5,000 - $60,000
Available Terms 36 to 120 months
Origination Fee 0%
Admin/Flat Fee $0
Avg. Funding Time 3 Days
Eligibility Requirements
Minimum Income No strict minimum
Credit Score Required No Minimum
Minimum Age Age of majority
Residency Status Canadian Resident
Included Features
Secured Loan Online Application Flexible Repayment Options Branch Support Available
Highlights & Pros
  • Lower interest rates than unsecured alternatives
  • Accessible to near-prime borrowers
  • Over 250 physical branches across Canada for in-person support
Things to Consider
  • Requires home equity as collateral
  • Rates are still higher than traditional prime bank loans

Representative Example: $10,000 loan amount at 19.99% interest on a 120-month loan term. Bi-weekly payments of $87.

Payment Reality Check

Bad credit loans carry higher rates. Adjust the sliders below to see exactly what your monthly commitment will be before you apply.

$
$500$15,000
%
8.99%46.96%
mos
6 mos60 mos

Your Est. Payment

$167.31

per month

Principal Interest
$3,000 $1,015
Total Cost to Borrow: $4,015.44

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