Personal loans across Canada

Put the kettle on.
We'll ask around.

About the time a kettle takes to boil, and your request is on its way to lenders across Canada who work with your kind of credit. $500 to $2,500. Soft check only, nothing on your file. $0 to ask.

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.

Kettle FundYour request · No. 0001

Next paydaypick a date ↓

Amount

For

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Soft check only · Referral service, not a lender

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.

How it works

The time it takes a kettle to boil.

You fill a short ticket. We take it to lenders. The ones who fit reply.

0:00

Fill the ticket

Your next payday, the amount, what it's for, and a few questions about your income and your home.

1:30

We ask around

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

2:00

The kettle whistles

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

Kitchen tables across Canada

Working people. Every kind of credit.

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

A Québécoise at her kitchen table with bills and a paper calendar — **A bill before payday.**Trois-Rivières, QC

A Latino-Canadian dad packing school lunches in his kitchen — **Steady job, bruised file.**Winnipeg, MB

A Somali-Canadian care worker relaxing with tea after a shift — **Thin credit, long shifts.**Edmonton, AB

What lenders read

Your whole month, not one number.

Your score is on the ticket. So is everything a score leaves out.

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? Pull up a chair.

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

Start my ticket

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.

Put the kettle on.We'll ask around.