Personal loans in Newfoundland and Labrador: compare rates (November 2026)
Borrowers in Newfoundland and Labrador 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 Newfoundland and Labrador?
| 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 Newfoundland and Labrador
Most consumer lending in Newfoundland and Labrador is capped by the federal criminal interest rate of 35% APR (Criminal Code s. 347, in force January 1, 2025). Payday loans: maximum cost of borrowing $14 per $100 borrowed (federal Criminal Interest Rate Regulations).
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