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Canadian loans, without the rush

loanmoose.ca is a free loan reference site. Compare options calmly, run the numbers first, and borrow only when the payment fits — no pressure, no rush. We are not a lender and there is no form here to fill in.

Compare loan offers Run the numbers first

Advertising disclosure: loanmoose.ca may receive a referral fee if you continue through a partner link. That fee does not change the rate you are offered and it does not change what we publish. We are not a lender. Read the full disclosure.

Start with a calculator

Loan payment calculator What a loan costs per month, and what the whole thing costs by the end. Free · runs in your browser Affordability calculator How much borrowing a given income can carry, using debt-service ratios. Free · runs in your browser Cost of borrowing calculator What fees and charges add on top of the interest. Free · runs in your browser Loan interest calculator Interest only: what the money costs, separate from repaying it. Free · runs in your browser Loan payoff calculator How much time and interest an extra payment each month buys back. Free · runs in your browser Mortgage stress test calculator The rate a federally regulated lender must qualify you at. Free · runs in your browser

See all 11 loan calculators

Browse the site

Loan types 20 products, from personal loans to mortgages, business credit and debt relief. Borrow by amount What a $500 request and a $50,000 request each look like, and why the answer changes. Borrow by situation Bad credit, thin files, self-employment, a recent move to Canada, life after insolvency. Provinces and territories The regulator and the lending rules that apply in each of the 13 jurisdictions. Cities 4,259 places with 2021 Census figures and the rules that apply where you live. Rules and limits Payday caps, the criminal rate of interest, insolvency timelines — each with its source.

How loanmoose.ca works

We are an independent publisher, not a lender. We do not process applications, we do not pull your credit, and we do not ask you for your name. Every calculator runs entirely in your browser and nothing you type is sent anywhere.

Every factual claim cites a primary source: benchmark rates come from the Bank of Canada, place data from Statistics Canada's 2021 Census, and lending rules from the Criminal Code, the federal payday lending regulations or the provincial regulator. Where a figure has not been verified against the publisher, the page links to the publisher instead of printing a number.

loanmoose.ca is a loan reference and comparison publisher. We are not a lender. We do not make loans, set rates, or make credit decisions, and we do not collect applications.

Frequently asked questions

How does loanmoose.ca make money?

loanmoose.ca is an independent publisher. When you continue through a link to a lending partner we may receive a referral fee. That fee does not change the rate you are offered, and it never changes what we publish. The affiliate disclosure sets out the detail.

Does loanmoose.ca lend money?

No. loanmoose.ca is not a lender, a broker or a credit repair service. We publish calculators, guides and sourced reference data so you can compare options from lenders you choose yourself. We do not make credit decisions and we do not process applications.

Do I have to enter my name or contact details?

No. There is no application form on this site and no field to enter your name, email, phone number, income or social insurance number. The calculators run in your browser and nothing you type leaves your device.

Where do the numbers on this site come from?

Benchmark rates come from the Bank of Canada's public series, place data comes from Statistics Canada's 2021 Census of Population, and lending rules are attributed to the Criminal Code, the federal payday lending regulations or the provincial regulator. Every published figure shows its publisher and its as-of date.

Compare loan offers

Compare options from Canadian lending partners. We are not a lender and we do not make credit decisions.

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Advertising disclosure: loanmoose.ca may receive a referral fee if you continue through a partner link. That fee does not change the rate you are offered and it does not change what we publish. We are not a lender. Read the full disclosure.