Frequently Asked Questions

No. PrêtCanada works with a network of lenders who accept various credit profiles, including people who have had financial difficulties in the past.

Any person residing in Canada, aged 18 or over, with an active Canadian bank account and a source of income can submit an application.

Yes. Several of our partners accept self-employed individuals. You will generally need to provide proof of income.

The initial submission does not affect your credit score (soft pull). A full check is only done with your consent.

You can apply for between $500 and $1 500,000 CAD. The approved amount depends on your financial profile and the lender's criteria.

Rates generally range between 9.99% and 46.96% APR depending on your profile.

Typically from 6 months to 60 months (5 years).

This depends on the lender. This information is always clearly stated in the loan offer.

The form takes less than 3 minutes. The review generally takes from a few minutes to a few hours.

Generally within 24 to 48 business hours after offer acceptance.

Directly into your Canadian bank account by electronic transfer.

You can resubmit an application after 30 days if your situation has changed.

Absolutely. All data is encrypted via 256-bit SSL (banking standard). We comply with PIPEDA.

No. Your information is shared only with lending partners for the purpose of evaluating your application.

No. PrêtCanada is a matching platform. We do not lend money directly.