Personal loans across Canada

Plain words.
Plain terms.

No jargon, no branch, no form letter. Answer a few plain questions, seal the envelope, and lenders across Canada who work with your kind of credit can reply. $500 to $2,500. Soft check only. $0 to ask.

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Soft check only · Encrypted · Referral service, not a lender

Won't touch your score About 2 minutes $0, no obligation

Submitting a request connects you with a lender; it is not an offer or a guarantee of a loan or approval. See the FAQ and disclosures below.

Our plain terms

What we say. What we never say.

Loans come with enough small print. Our part of it is simple.

What we say

$500 to $2,500. That's the range lenders in our network work with.
Soft check only. Nothing lands on your file until you accept an offer.
$0 to ask. Lenders pay us when we refer a request, you never do.
Every kind of credit. Low, thin, bruised, new. Your income and work count too.
You decide. An offer is an offer, not an obligation.

What we never say

Guaranteed approval
Instant cash, money today
No credit check, ever
Rates we don't control
Anything we can't put in plain words

Who writes to us

Working people. Every kind of credit.

Not a three-digit score. People with a job, a plan, and a bill that can't wait.

A Vietnamese-Canadian woman reading a letter in a bright bedroom — **A bill before payday.**Surrey, BC

A carpenter in his fifties in front of his tidy workshop — **Self-employed, variable months.**Moncton, NB

A young grocery cashier laughing in the break room — **Thin credit, steady hours.**Regina, SK

How it works

Three steps. No branch, no judgment.

Fill the envelope

What it's for, how much, and a few plain questions about your income and your home. About two minutes.

We deliver it

Your request goes to lenders across Canada who work with your kind of credit. Soft check only, nothing on your file.

You open the reply

A lender who fits reaches out to finalize. Works for you? Funds are deposited quickly. Doesn't? You walk away, free.

What lenders read

Your whole situation, not one number.

Income, and how steady it isFull-time, part-time, self-employed, gig, pension or benefits.

Your work and time on the jobMonths at your employer and how you're paid.

Housing and what it costs youRent or own, time at your address, your monthly payment.

Your credit, as one line among manyLow, thin, bruised by a proposal or a bankruptcy. Read, not used as the only answer.

Who it's for

Turned down somewhere else? Write to us.

Low credit score
Thin or no credit history
Past bankruptcy or consumer proposal
Missed payments behind you
Declined by a bank or credit union
Self-employed or variable income
Pension, disability or benefits income
New to Canada

Open the envelope

Questions

The fine print, in plain words.

A bank already said no. Why would this be different?

Banks usually decide on your credit score alone. The lenders in our network read your income, your work and your ability to repay as well, so a bank's no isn't always the last word.

Will checking affect my credit score?

No. Seeing your options uses a soft inquiry that does not appear on your file and does not affect your score. A hard inquiry only happens if and when you accept a specific offer from a lender.

How much can I ask for?

Requests generally range from $500 to $2,500. The final amount depends on the lender and your situation.

Bad credit, bankruptcy or a consumer proposal?

Yes, many of our lending partners work with these profiles because they read past the score. Approval and terms are always the lender's call, but it's worth seeing where you stand.

Is it really free?

Yes, 100% free for you. Our lending partners pay us only when we refer a request to them.

Is my information safe?

Your data is encrypted and handled under Canadian privacy legislation (PIPEDA). It is shared only with our partner and its lending network to process your request, and never sold to unrelated third parties.

Am I obligated to accept anything?

No. A request commits you to nothing. If an offer works, you accept it; otherwise you're free to decline, at no cost.

Who is Plain Loan?

A referral service, not a lender. We don't make credit decisions or set rates; we deliver your request to third-party lenders who do.

Plain words.Plain terms.