Independent head-to-head comparison of APR, loan limits, credit requirements and funding speed for two Canadian lenders.
Canada's premier loan comparison network connecting borrowers with hundreds of prime and alternative Canadian lenders with a single soft search.
Visit Loans CanadaCanada's top digital mortgage lender and brokerage using proprietary algorithms to find and fund the lowest mortgage rates with zero commission bias.
Visit nesto Mortgage| Feature | Loans Canada | nesto Mortgage |
|---|---|---|
| Lowest APR | 7.99% | 4.69% |
| Highest APR | 34.99% | 6.99% |
| Min Loan | $500 | $100,000 |
| Max Loan | $50,000 | $2,500,000 |
| Min Credit Score | 450 | 660 |
| Funding Time | 24-48 hours | 3-7 business days |
| Loan Types | personal, debt_consolidation, auto, business | mortgage |
| Provinces | ON, BC, AB, QC, MB, SK, NS, NB, NL, PE, NT, YT, NU | ON, BC, AB, QC, MB, SK, NS, NB, NL, PE |
Loans Canada starts at 7.99% APR while nesto Mortgage starts at 4.69%. The cheapest option depends on your credit score, loan amount and term. Always compare your personalized APR offers — advertised rates are minimums for the strongest applicants.
Loans Canada typically requires a minimum credit score of 450. Below that, consider alternative lenders that specialize in credit-challenged borrowers.
nesto Mortgage typically funds in 3-7 business days after final approval. Same-day funding usually requires e-transfer-eligible accounts and document approval before cutoff.
Loans Canada serves ON, BC, AB, QC, MB, SK, NS, NB, NL, PE, NT, YT, NU. nesto Mortgage serves ON, BC, AB, QC, MB, SK, NS, NB, NL, PE. Province availability is a hard requirement — verify before applying.
Get matched to the best Canadian lender for your situation in under 60 seconds.