Welcome to our Loans area. These days it can be extremely difficult to find a loan which is why we list a variety of different loans to suit you and your financial circumstances. Even if your credit history is less than perfect there are still loans available to you. Compare different prices and read the terms and conditions to make sure you understand the service you are looking for.


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The loan market in Canada is just as large and varied as the loan market in many other large economies such as the US. The choice of loans is huge so if you need to get a loan whatever your reason for needing to borrow money you can find loans that suit you and your pocket! Which Way To Pay Canada lists Payday loans, Car loans, Personal Loans, Consolidation Loans, Bad Credit Loans and even Credit Repair Loans so you are sure to find one which is fitted to your money needs. Read the basic guide below or click directly on to the link if you know what sort of loan you are looking for.

Payday Loans

Payday loans have become very popular in Canada, the US, the United Kingdom, Western Europe, Australia and New Zealand over the last few years. An ideal alternative to larger personal loans offered by traditional banks and lenders, payday loans are quick cash 'advances' before your next payday. As such payday loans are usually designed to last only between two weeks and a month, after which they are best paid back as soon as possible. It should be easy to get a loan.

Most payday lenders are very flexible when it comes to what type of borrowers they can take on. In general payday loans providers do not carry out credit checks and will accept people who have had problems getting a loan via mainstream banks. To be eligible for one of the payday loans we list you may need to be in some form of employment, be a full Canada resident, be over 18 and receive a net monthly income of between $300 and $1,000 per month (though this minimum amount varies between lenders and provinces). With payday loans the amount you can borrow varies but is usually between $100 and $1,000.

Bad Credit Loans

Bad credit loans are loans which are available to people with a poor credit history. Bad credit loans are offered by many independent lenders as loans for people with bad credit compare them in our comparison pages. In Canada, millions of people have bad credit and getting a loan from the traditional bank is harder than ever before. Fortunately, you can sidestep the bank route and get bad credit loans directly from an online lender just make sure you shop around to find the best offer.

Unlike payday loans, bad credit loans do not have to be paid back within one month bad credit loans have more flexible terms. Note that with a bad credit loan you might have to face a higher interest rate than on a 'regular' loan; this is to be expected and is the lender's way of dealing with the higher risk for granting loans for people with bad credit.

Credit Repair Loans

Credit Repair Loans are designed for those individuals with bad, no or little credit history and need to establish their financial savings and credit history. That means that even if you have been blacklisted or have defaults you will most likely have your application considered for one of the Credit Repair Loans listed on Which Way To Pay. Credit Repair Loans help you to get a jumpstart with your savings and earn you interest on your investment.

If you have been refused a loan when applying through traditional methods and you need to establish your credit history, don't give up: compare the market of Credit Repair Loan market for great offers. Credit repair loan approvals are usually provided within 24 business hours of applying.

Car Loans

Regardless if you are buying your first car or if you want to update to a new one, you can find some great car finance deals with one of the car loans (sometimes known as auto loans) ) listed. Many car dealerships in Canada offer a car loans payment package to their customers but these are not always the best deal. By allowing you to apply from the comfort of your own home, car loans can be a simple and often better-priced alternative.

The best way to find a good car loans service is by comparing the many firms throughout Canada's provinces that offer car loans. Take your time and have a look which car loans service offers a loan which fits your budget and timeframe. Many car loans companies offer services dedicated to some or all of the provincial regions.

Personal Loans

Personal loans are offered by most banks in Canada and also by many specialist lenders. Personal loans offer a wide range of borrowing products so you can find a personal loan regardless of what you need the money for, whether it is for a holiday, an emergency or home improvement.

Depending on your personal circumstances, the interest rate that you pay for your personal loan will vary. You can also choose between fixed rate personal loans and variable rate personal loans (where the rate fluctuates with the market). With most personal loans many lenders will carry out a credit check to decide whether they can give you a personal loan and if so how much, what rate to charge you and for how long you may borrow. If you have a poor credit history and need a smaller loan then you could consider a payday loan but it should not be too hard to get approved for one of the personal loans we list.

Consolidation Loans

Consolidation loans, also known as debt consolidation loans, can help you to eliminate multiple debts on your loans or credit cards. Debt consolidation loans can help you if you are finding your debts hard to control and they are threatening to take over your life. Consolidations loans can come to the rescue by gathering up your numerous debts into one manageable monthly fee. Instead of having lots of payments to deal with, you will now have just one loan to manage. Even better, consolidation loans often have the interest frozen and the monthly payment could be lower allowing you to be able to fit the consolidation loan into the rest of your life.

There are many excellent consolidation loan providers on the Canadian market. These debt consolidation loans will have various different requirements for a successful application; most often this will include a minimum debt level in other words you may have to have at least $15,000 in debts and have at least 2 different creditors. Consolidation loan providers may ask for other eligibility criteria including a minimum income, but this varies so make sure you find out before you apply! Once you have received your consolidation loan approval you can look forward to a cleaner financial future.


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