Personal loans in Alberta: compare rates (November 2026)
Borrowers in Alberta can compare personal loan offers from licensed lenders below. Your actual rate depends on your credit profile, income and the term you choose — and is always set by the lender, not by us.
Which lenders offer personal loans in Alberta?
| Lender | Representative APR | Loan amount (CAD) | Term | Notes | Action |
|---|---|---|---|---|---|
| Spring Financial | 9.99%–35% APR | $500–$35,000 | 6–84 months | All credit profiles considered; fully online application. Open loan — repay anytime without penalty. | Compare offer |
| Fairstone | 29.99%–34.99% APR | $500–$25,000 | 6–60 months | Fair to excellent credit history; personalized quote with a soft credit check. Published interest rate 29.99%–34.99% with no fees and no prepayment penalty on unsecured loans. Secured option $5,000–$50,000 for homeowners. | Compare offer |
| easyfinancial | 29.99%–35% APR | $500–$20,000 | 9–84 months | For borrowers when banks aren't an option; no credit history needed. Rates from 29.99%; lender's stated APR range across its loans is 9.99%–35%. Pay off anytime with no penalty. | Compare offer |
Loan rules in Alberta
Most consumer lending in Alberta is capped by the federal criminal interest rate of 35% APR (Criminal Code s. 347, in force January 1, 2025). Alberta payday loans: maximum cost of borrowing $14 per $100 borrowed, loan amounts up to $1,500, term up to 62 days.
[[VERIFY with counsel: Alberta high-cost credit licensing rules (Consumer Protection Act) before publishing high-cost content]]
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