Won't affect your credit score
Won't affect your credit score
From $500 to $2,500, 100% online. Working and earning a steady income? You may qualify, whatever your credit looks like. Checking your options won't affect your score.
Best if you're working (full-time or part-time) with a steady income for a few months. Available across Canada.
Reminder: submitting this form is a request to be connected with a lender, not an offer or a guarantee of a loan or approval. See our FAQ and the disclosures below.
Students, families, workers and retirees — Boreal Lending is built for real people, whatever their credit looks like.
Three steps. You answer a few questions, we do the rest.
60 seconds, fully online. We learn your situation. No impact on your credit score.
We compare your request against a network of specialized lending partners who accept many different profiles.
A lender reaches out to finalize. If everything lines up, funds are deposited quickly. You're always free to say no.
Many of our lending partners accept profiles the big banks turn down.
Real relief, right at the kitchen table.
Whatever the reason, you deserve a simple option, with no judgment.
Don't wait weeks for an unexpected repair to get sorted.
Get through an emergency expense without the stress.
Consolidate a balance or bridge a gap until payday.
We're not a lender or a bank. We're an independent matching service that connects you with the right lender for your situation.
Checking your options uses a soft inquiry. No hard pull, no mark on your file just for applying.
A few questions, no complicated paperwork. A quick response, without leaving home.
Your data is encrypted and handled under Canadian privacy law. Never sold to unrelated third parties.
Our service costs you nothing. Lenders pay us for the referral, not you.
No. Checking 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.
Requests generally range from $500 to $2,500. The final amount depends on the lender and your situation (income, etc.).
Yes, 100% free for you. Our service is free for consumers. Our lending partners pay us only when we refer a request to them.
Yes. Many lending partners accept these profiles. Approval and terms are always at the lender's discretion, but it's worth checking your options.
Most people get a response quickly, often the same day or the next business day, depending on the lender and your profile.
Yes. Your data is encrypted and handled in accordance with 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.
No. A request commits you to nothing. If an offer works for you, you accept it; otherwise you're free to decline, at no cost.
We operate across Canada — all provinces and territories. We're currently focused on Ontario, but you can apply from anywhere in the country.
A fresh start, on your terms.
Check if you qualify in 60 seconds. No impact on your credit. 100% free.
Start my request