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    SimpleLoan

    How we make money

    SimpleLoan is free for Canadians to use. Here is exactly how we keep the lights on — and how that does (and does not) affect what you see.

    Affiliate referral fees

    When you click "Apply Now" on a lender we list and you complete an application, the lender may pay us a referral fee. This does not change the rate or terms the lender offers you — it comes out of their marketing budget. We disclose this on every lender page.

    Display advertising

    We run Google AdSense ads on some pages. We do not control which ads appear and we do not personally endorse advertised products. Ad revenue is calculated per-impression, not per-recommendation.

    Editorial independence

    Our content rules are non-negotiable:

    • Lender rankings are not for sale. No lender can pay to be featured higher.
    • Calculator results are not influenced by which lenders pay us.
    • Reviews are owner-flagged for bias and shown with full disclosure.
    • Negative information is not removed in exchange for affiliate revenue.

    How lenders are ranked

    Our default lender ordering uses these objective factors:

    1. Eligibility match to your search criteria (province, credit score, loan amount)
    2. Published APR ranges (lower wins)
    3. Funding speed
    4. Public reputation signals (BBB, OSFI/AMF licensing, customer reviews)
    5. Affiliate availability is a tiebreaker only — never a primary ranking factor

    What we are NOT

    SimpleLoan is not a lender, broker, or licensed financial advisor. We are an educational comparison platform. Every loan decision should be verified directly with the lender and, for major decisions, reviewed with a licensed Canadian financial professional.

    Questions about our model? Email info@simpleloan.ca.