Our lending partners offer rates starting from 4.6% to 46.96% APR. Rates go up from 4.6% APR based on needs, personal financial information, and credit history.

Brice Financial Services collaborates with our partner loanconnect.ca.  Their online search engine searches multiple lenders by utilizing secure web technology. Their website functions much like a travel booking website, they take your information and needs and then query providers that match those requirements. After you choose the loan you want, you are sent to that lender’s website to finish the application. Best of all, the majority of their lenders offer instant approval credit, and if approved, your money is in your account in as little as 12 hours!

Our lenders offer loans to those with excellent, good, poor or no credit. Hence, we serve virtually anyone looking for an unsecured loan under $50,000. To apply, you must be the age of majority in your province of residence and be a Canadian Citizen or Permanent Resident.

As long as your debt payments don’t total over 60% of your income, you can apply. In fact, by having an outstanding loan, you have established a credit history, so it might improve your chances of being approved.

Your credit score is not affected by searching our website for lenders. After you find a loan, they transfer your file to the lender, that lender generally does a soft credit check that does not affect your score. If the lender requires a full credit check, you will be notified and will have a choice not to proceed if you are concerned about your score being affected.

Complete the simple application on our website, we provide you with loan options, select the loan for which you would like to formally apply, then officially submit the request on your chosen lenders website. If approved, the lender will deposit the money in your account in as little as 12 hours.

You don’t need to know your credit score to apply. In the application, we have provided a link to a tool that can help you better estimate your score. If you are typically on time with debt payments, have a steady income, and haven’t gone through a bankruptcy or consumer proposal, your score will generally be good or better.

We have unsecured lenders who lend to virtually every market. However, our loans typically max out at $50,000.

Yes. You are not bound to a loan by applying for one.

Please contact us at brice@savyborrower.com. 

Yes. We have lenders who lend to those with a past bankruptcy or consumer proposal. A perk to applying with us is that those lenders compete for your business, ensuring that you get a reasonable rate.

We wouldn’t recommend this. If you make another application on the lender’s site will duplicate things and take up more time. At any point, you can log in to your profile at LoanConnect and see if new loans have become available or if your rates have changed.

We take data security very seriously. Hence, we use the latest security to encrypt and protect your personal information. Most importantly, Loanconnect.ca only shares your personal information with lenders that match your profile. All information sent out from our website is through an encrypted channel that is only accessible by that lender, at that particular time.

A loan origination fee is an amount charged by a lender to issue a loan. If the lender you choose charges an origination fee, in the search results, the monthly payment already includes that amount. When formally applying for the loan on the lender’s website, they will disclose this amount before issuing the credit. In most cases, if a lender charges an origination fee, the amount tends to be around $100.

Payment terms vary per lender. In most cases, payment terms are between 12 months and 60 months. Information regarding payment terms of the loan will be included in search results enabling you to choose which terms best suit your needs.