Personal loans in Quebec: compare rates (November 2026)
Borrowers in Quebec 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 Quebec?
| 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 Quebec
Most consumer lending in Quebec is capped by the federal criminal interest rate of 35% APR (Criminal Code s. 347, in force January 1, 2025). Payday lending does not operate in Quebec in practice — provincial permit rules under the Consumer Protection Act keep credit rates below payday economics. [[VERIFY with counsel: exact QC lending-permit framework before publishing QC lender offers]]
RatePine is an independent comparison service, not a lender, broker or agent. We may be compensated when you click links to lender offers.