Updated Oct 20, 2026

Every Canadian personal and car loan, in one place.

42 options from 10 banks, pulled from each bank's own site. Prime is 4.45% today.

42 options
  • TD Vehicle Loan

    For purchasing eligible cars and other vehicles, including vehicles up to 5 years old, with the vehicle used as collateral, flexible repayment terms, and possible provincial security-registration fees.

    Rate
    3%
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    TD
  • Tangerine RSP Loan

    A fixed-rate loan of up to $30,000 for increasing Tangerine RSP contributions, repayable over 1–5 years; applications are available between November and March and there are no early-prepayment penalties.

    Rate
    4.29%
    How it's set
    starting rate, up to 5.99%
    Up to
    5.99%
    Annual fee
    No fee
    Type
    RRSP
    Bank
    Tangerine
  • RRSP loan

    For maximizing RRSP contributions; offers variable rates from 5.45% to 6.85% and fixed rates from 5.55% to 6.95%, terms up to 10 years, and penalty-free partial or full repayment.

    Rate
    5.45%
    How it's set
    starting rate, up to 6.95%
    Up to
    6.95%
    Annual fee
    Not listed
    Type
    RRSP
    Bank
    Desjardins
  • Scotia RSP Catch-Up Line of Credit

    For borrowing to make or maximize eligible RSP contributions with Scotiabank or another financial institution, offering Scotiabank Prime plus 1%, flexible repayment and a three-month payment-deferral feature; this is a revolving line of credit rather than a term loan.

    Rate
    5.45%
    How it's set
    prime + 1%, not confirmed
    Annual fee
    No fee
    Type
    RRSP
    Bank
    Scotiabank
  • FHSA loan

    For maximizing first home savings account contributions; fixed rates range from 5.55% to 6.95%, with terms up to 10 years and penalty-free repayment, and borrowing generally limited to applicable FHSA contribution room.

    Rate
    5.55%
    How it's set
    starting rate, up to 6.95%
    Up to
    6.95%
    Annual fee
    Not listed
    Type
    Other
    Bank
    Desjardins
  • RRSP loan

    For borrowing to maximize RRSP contributions, offering fixed terms from 3 to 120 months or variable pricing from prime plus 0.75% to prime plus 2.00%; RRSP loans have no management fees.

    Rate
    6.25%
    How it's set
    prime + 0.75%, not confirmed
    Up to
    7.45%
    Annual fee
    No fee
    Type
    RRSP
    Bank
    National Bank
  • RBC RRSP Loan

    For making a current-year RRSP contribution or catching up on unused contribution room; borrow up to $50,000, potentially at a rate as low as RBC Prime, with repayment terms from 1 to 10 years and repayment deferral of up to 90 days.

    Rate
    6.45%
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    RRSP
    Bank
    RBC
  • Personal Loan

    For medium-scale personal projects, including potential vehicle purchases or other needs; available with fixed or variable interest, loan amounts starting at $3,500, terms from 1 to 10 years, fixed monthly principal-and-interest payments, and no prepayment penalty.

    Rate
    7.2%
    How it's set
    starting rate, not confirmed
    Annual fee
    Not listed
    Type
    Personal
    Bank
    Laurentian Bank
  • RBC Debt Consolidation Loan — Variable Rate

    RBC’s variable-rate personal loan can be used to consolidate eligible debts, with an advertised rate of RBC Prime + 3.24% to RBC Prime + 12.49% and structured repayment over a chosen term.

    Rate
    7.69%
    How it's set
    prime + 3.24%
    Annual fee
    Not listed
    Type
    Debt consolidation
    Bank
    RBC
  • RBC Personal Loan — Variable Rate

    For a large one-time expense when you prefer a variable rate; the advertised range is RBC Prime + 3.24% to RBC Prime + 12.49%, with flexible terms and no early-payment penalty.

    Rate
    7.69%
    How it's set
    prime + 3.24%
    Annual fee
    Not listed
    Type
    Personal
    Bank
    RBC
  • Tangerine Personal Loan

    An unsecured fixed-rate loan for personal, family, or household expenses, with a 1–5 year repayment term, rates based on creditworthiness and term, and no early-prepayment penalty.

    Rate
    8.99%
    How it's set
    starting rate, up to 15.5%
    Up to
    15.5%
    Annual fee
    No fee
    Type
    Personal
    Bank
    Tangerine
  • RBC Debt Consolidation Loan — Fixed Rate

    RBC’s fixed-rate personal loan can be used to consolidate credit cards, lines of credit and other debts into structured payments over a specified term, with no early-payment penalty.

    Rate
    10.99%
    How it's set
    starting rate, up to 19.74%
    Up to
    19.74%
    Annual fee
    Not listed
    Type
    Debt consolidation
    Bank
    RBC
  • RBC Personal Loan — Fixed Rate

    For a large one-time expense such as a purchase, renovation or other planned need; offers fixed payments, generally 1-to-5-year terms, flexible payment frequencies and no early-payment penalty.

    Rate
    10.99%
    How it's set
    starting rate, up to 19.74%
    Up to
    19.74%
    Annual fee
    Not listed
    Type
    Personal
    Bank
    RBC
  • Home Equity Loan

    For homeowners needing a larger lump sum for projects or purchases, including debt consolidation; starts at $10,000, can reach up to 80% of home value, and offers repayment over one to 25 years.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Other
    Bank
    BMO
  • Personal Loan

    For virtually any personal borrowing need, including buying a car or consolidating debt; available from $2,000 with fixed or variable rates, payment frequencies from weekly to monthly, and repayment over one to five years.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Personal
    Bank
    BMO
  • Retro-Activator RRSP Loan

    For borrowers with unused RRSP contribution room who want a one-time contribution loan; starts at $7,500, offers fixed or variable rates, repayment of up to 15 years, and no prepayment charges.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    RRSP
    Bank
    BMO
  • CIBC Debt Consolidation Loan

    CIBC presents debt consolidation as a use of its Personal Loan rather than as a separately named loan, allowing eligible borrowers to replace multiple higher-interest debts with one scheduled loan payment.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Debt consolidation
    Bank
    CIBC
  • CIBC Personal Car Loan

    For financing new or used vehicles through a dealership, offering up to 100% financing, a $7,500 minimum, terms from 12 to 96 months, weekly/biweekly/monthly payments, and no penalty for early repayment.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    CIBC
  • CIBC Personal Loan

    For personal or household borrowing, including major purchases and debt consolidation, with a minimum loan amount of $3,000, fixed or variable rates, scheduled payments, secured or unsecured options, and no prepayment penalty.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Personal
    Bank
    CIBC
  • CIBC RRSP Loan

    For borrowing $1,000 to $75,000 to maximize RRSP contributions, with fixed or variable rates, repayment terms up to 10 years, an optional first-payment deferral of up to 60 days, and no penalty for full or partial prepayment.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    RRSP
    Bank
    CIBC
  • Adoption or assisted reproduction loan

    For eligible international adoption or medically assisted reproduction expenses; offers a rate lower than personal-loan rates, terms up to 10 years, flexible weekly, biweekly or monthly payments, and no penalty for early repayment.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Other
    Bank
    Desjardins
  • Auto+ Loan at a caisse or branch

    For buying a car or recreational vehicle from an individual; secured financing of at least $15,000 with fixed or variable rates, terms up to 20 years, and no prepayment penalty.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    Desjardins
  • Car loan at a dealership

    For buying a car, van or SUV through a participating dealership; secured fixed-rate financing from $7,500, potentially up to 100% of the purchase cost, with weekly, biweekly or monthly payments and no prepayment penalty.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    Desjardins
  • Leisure vehicle loan

    For motorcycles, snowmobiles, boats, trailers, ATVs, personal watercraft and recreational vehicles bought through a dealer; secured fixed-rate financing starts at $5,000 for leisure vehicles or $10,000 for boats/RVs, with terms up to 20 years and no prepayment penalty.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    Desjardins
  • Personal loan

    For purchases, unexpected expenses, renovations or debt consolidation; available from $1,000 with fixed or variable rates, flexible payment frequencies, and no penalty for partial or full prepayment.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Personal
    Bank
    Desjardins
  • RRSP Loan

    For borrowers seeking to finance an RRSP contribution and potentially reduce taxable income; amounts range from $1,500 to $50,000, terms run from 1 to 10 years, fixed or variable rates apply based on amount and amortization, and early repayment is permitted without penalty.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    RRSP
    Bank
    Laurentian Bank
  • Car loan

    For financing a vehicle, with fixed or variable rates, weekly, biweekly or monthly payments, repayment of up to eight years, and the ability to repay early without penalty.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    National Bank
  • Personal loan

    For major purchases and personal goals, with a choice of fixed or variable rates, flexible repayment terms, and no penalty for paying it off faster; National Bank says rates depend on credit history and the authorized loan amount.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Personal
    Bank
    National Bank
  • RBC Boat & RV Loan

    For financing a boat or recreational vehicle through an RBC partner dealer; financing is available for terms up to 20 years and units up to 10 years old, with flexible payments and no early-payoff penalty, but no numerical rate range is advertised.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    RBC
  • RBC Car Loan Through a Dealer

    For financing a new or used car, truck, SUV, van or similar vehicle through an RBC partner dealership; terms generally range from 1 to 8 years, with flexible payment frequencies and no early-payoff penalty, but no numerical rate range is advertised on the product page.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    RBC
  • Auto Loan

    For financing a new vehicle or one up to 7 years old, with borrowing up to $200,000, fixed or variable-rate options, terms up to 96 months and flexible payment scheduling; rates and fees are not numerically advertised on the page.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    Scotiabank
  • Grad Auto Loan

    For recent graduates or students beginning full-time employment within 90 days, financing a new vehicle or used vehicle up to 3 years old with up to 100% financing, terms up to 60 months and fixed or variable rates; the page does not state numeric rates or fees.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    Scotiabank
  • Marine & Boat Loan

    For financing a new boat or a used sailboat or power boat of any age, with borrowing up to $200,000, repayment terms up to 20 years and fixed or variable-rate options; no numeric rate or fee is advertised.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Other
    Bank
    Scotiabank
  • Motorcycle & leisure vehicle loan

    Scotiabank identifies motorcycle and leisure-vehicle financing as an available loan category but directs applicants to call for information, so the public site does not state product-specific rates, terms or fees.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    Scotiabank
  • Recreational Vehicle Loan (RV)

    For financing a new RV or one up to 10 years old, with borrowing up to $200,000, repayment terms up to 20 years and fixed or variable-rate options; no numeric rate or fee is advertised.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Other
    Bank
    Scotiabank
  • Scotia Plan Loan

    For borrowers needing a fixed or variable term loan for large purchases or general borrowing, with customized weekly, bi-weekly or monthly payments, terms up to 5 years and no prepayment penalty; Scotiabank does not publish a numeric rate or fee on the product page.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Personal
    Bank
    Scotiabank
  • Scotia Plan Loan for debt consolidation

    For consolidating higher-interest debts into one structured loan payment, with fixed or variable rates, customized payment frequency, terms up to 5 years and no prepayment penalty; no numeric rate or fee is advertised on the product page.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Debt consolidation
    Bank
    Scotiabank
  • StartRight Auto Finance Program

    For permanent residents and foreign workers who have lived in Canada for 3 years or less and may have no Canadian credit history, financing a new vehicle or one up to 4 years old for up to $75,000 and up to 60 months; numeric rates and fees are not published.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Car
    Bank
    Scotiabank
  • Simplii Personal Loan

    For borrowers needing a lump-sum loan—including for a car purchase or consolidating high-interest debt—with fixed or variable interest options, fixed monthly payments over a predetermined term, and no penalty for prepayment; Simplii does not list separate car, debt-consolidation, or RRSP loan products.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Personal
    Bank
    Simplii
  • TD Debt Consolidation Loan

    For combining multiple higher-interest debts into one manageable payment; TD identifies a Personal Loan as one of its debt-consolidation options, with fixed periodic payments and no charge for paying it off early.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Debt consolidation
    Bank
    TD
  • TD Personal Loan

    For borrowers needing at least $2,000 for a large purchase or debt consolidation, with fixed or variable interest and repayment terms from 1 to 7 years.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    Personal
    Bank
    TD
  • TD RSP Loan

    For maximizing current-year or unused prior-year RSP contribution room, offering fixed or variable interest, one-year financing for current contributions, and catch-up borrowing up to $50,000 with longer amortization options.

    Rate
    Not listed
    How it's set
    starting rate
    Annual fee
    Not listed
    Type
    RRSP
    Bank
    TD

Advertised rates only. Your rate depends on your credit, so check the bank's page before you apply.

Browse by bank

BMOCIBCDesjardinsLaurentian BankNational BankRBCScotiabankSimpliiTDTangerine

Personal and consolidation loans in Canada

Compare personal loans, car loans and debt consolidation loans from Canadian banks. See starting rates and loan types in one place, with rates taken from each bank’s own site.

What credit score do I need for a personal loan in Canada?

Each bank sets its own rules. A higher credit score usually gets a lower rate. Starting rates shown here go to borrowers with strong credit.

Is a debt consolidation loan a good idea?

It can be, if the loan rate is lower than what you pay now and you avoid new debt. The payoff calculator shows the difference for your numbers.

GoPayoff shows rates each bank advertises. It isn't financial advice, and your rate depends on approval. We use analytics cookies to improve the site.