Personal loans in British Columbia: compare rates (July 2026)
Borrowers in British Columbia 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 British Columbia?
| 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 |
| easyfinancial | 29.99%–35% APR | $500–$20,000 | 9–84 months | Serves borrowers banks decline; no credit history needed. Rate set by credit profile. | Compare offer |
| Fairstone | See lender | $500–$25,000 | 6–60 months | Fair-to-good credit profiles; rate via personalized quote (soft credit check). No prepayment penalty on unsecured loans. Secured option up to $60,000 for homeowners. | Compare offer |
Loan rules in British Columbia
Most consumer lending in British Columbia is capped by the federal criminal interest rate of 35% APR (Criminal Code s. 347, in force January 1, 2025). BC payday loans: maximum cost of borrowing $14 per $100 borrowed, capped at $1,500, repayable within 62 days.
[[VERIFY with counsel: BC high-cost credit product rules (Business Practices and Consumer Protection Act) before publishing high-cost content]]
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