Bad credit? You still have options.

Every rough patch
has a way through.

Voyageur Finance helps working Canadians find the right personal loan from $500 to $2,500. Checking your options takes about a minute and won't affect your credit score.

No credit-score impact Fast response 100% online

~60 seconds · 100% free · no obligation

Voyageur canoe crossing the water
Soft check onlyNo hit to your credit
Won't affect your credit Fast response 100% free Across Canada
Check your options

See if you qualify in 60 seconds.

A few quick questions. No impact on your credit score, no obligation.

Start your request~60 seconds · no impact on your credit
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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.

The route

Three steps to the other side.

You answer a few questions, we chart the way to the right lender.

1

Tell us your situation

About a minute, fully online. No impact on your credit score.

2

We chart the way

We compare your request across a network of lending partners who accept many profiles.

3

You get there

A lender reaches out to finalize. If it lines up, funds are deposited quickly. You're always free to say no.

Built for the crossing

Whatever the current, there's a way through.

Unexpected bill, a gap until payday, a fresh start — we help you find the right option, without judgment.

We may still have an option, even if…

Many of our lending partners accept profiles the big banks turn down.

  • You have bad credit
  • You've never borrowed before
  • You've had a bankruptcy or consumer proposal
  • You have missed payments
  • You've been declined by a bank
  • You're self-employed or have variable income
  • You're a newcomer to Canada with little or no credit history
FAQ

Good questions.

Will this affect my credit score?

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.

How much can I borrow?

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

Is it really free?

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

Bad credit or a past bankruptcy — can I still apply?

Yes. Many lending partners accept these profiles. Approval and terms are always at the lender's discretion, but it's worth checking your options.

How long until I hear back?

Most people get a response quickly, often the same day or the next business day, depending on the lender and your profile.

Is my information safe?

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

Ready to find your way through?

Check if you qualify in about a minute. No impact on your credit. 100% free.

Start my request