Crisp Loans is a Quebec-based online brokerage that aims to help Canadians with all types of credit find short-term personal loans. You can apply online with no credit check, so bad credit won’t stop you from getting a loan. Loans of up to $1,000 are available, and you can get approved and funded within 24 hours. You have up to 90 days to repay what you borrow, while you also get the flexibility of being able to pay off the loan early without penalty.
But lenders that work with Crisp Loans have high interest rates of 28% to 32%, and you’ll also have to pay a brokerage fee to qualify. So, if you have strong credit, you may be able to find a more affordable loan elsewhere.
Is Crisp Loans legit in Canada?
We can’t confidently say they’re legitimate. On the plus side, the Crisp Loans website features some of the hallmarks of a legit provider, including information on the loan APR and the cost of borrowing, a privacy policy, and terms of use. It has also received a Trust Score of 71/100 on scamadviser.com. A score between 61 and 80 means a site is likely safe.
However, its website doesn’t list any phone contact details, and there’s an extremely limited number of Crisp Loans reviews available online. We also couldn’t find a business registration in the Quebec government’s registry.
Loans Canada is an online loan search platform where you can compare loan offers from Canada's largest network of lenders. You can fill out a single loan application to compare multiple offers, there's a wide range of loan types available and all types of credit are accepted.
Free to use
Large lending network
Convenient way to compare multiple lenders
Loans for all types of credit
High rates for bad credit
Not a direct lender
It takes one to three business days to get a loan
Loan Amount
$500 – $50,000
APR Range
8.99% – 35%
Loan Term
4 - 60 months
Serviced Provinces/Territories
All of Canada
Turnaround Time
Receive funds in as little as 24 hours.
Min. Credit Score
300
Fees
No application, origination or brokerage fees
Requirements
Canadian resident, age of majority in your province of residence
Loan search platform LoanConnect offers a convenient way to fill out a single online application and compare offers from multiple lenders. You can apply without impacting your credit and see offers in as little as 60 seconds. There are loans available for all types of credit.
Get pre-approved in as little as one minute
Wide range of loan types available
Easy to compare multiple offers
Loans for all types of credit
High rates if you have bad credit
LoanConnect isn't a direct lender
Loan Amount
$500 – $60,000
APR Range
8.99% – 35%
Loan Term
3 - 120 months
Serviced Provinces/Territories
All provinces
Turnaround Time
Receive funds in as little as 24 hours.
Min. Credit Score
300
Fees
No application, origination or brokerage fees
Requirements
Canadian citizen or permanent resident, age of majority in your province of residence, current debts must total less than 60% of your income
Green Loans is a broker that provides access to short-term installment loans and payday loans. You can apply without completing a credit check and, if approved, you'll get funded within 24 hours.
Easy online application
Bad credit is okay
No collateral needed
Pay off your loan early without penalty
High interest rates
Unclear brokerage fee applies
Low loan amounts
Not a direct lender
Loan Amount
$100 – $1,000
APR Range
22% – 35%
Loan Term
3 - 12 months
Serviced Provinces/Territories
all provinces except Manitoba
Turnaround Time
within 24 hours
Min. Credit Score
300
Fees
2.66% late fee
Requirements
• Share banking access via our secure IBV system (Instant Banking Verification) • Have a Canadian bank account open for 90+ days with online access • Be a Canadian citizen or permanent resident with a job • Be 18 or older (or provincial age of majority) • Earn at least $1,200 monthly in net income • Provide a valid phone number, email, and home address • You must not be in a bankruptcy or a consumer proposal. • You must not be planning to declare bankruptcy or a consumer proposal.
No credit checks. You don’t need to complete a credit check as part of the application process, so bad credit won’t stop you from getting a loan.
Easy application process. You can apply for a short-term loan online in a matter of minutes.
Fast approval and funding. You can get approved for a loan within an hour and then get funded within 24 hours.
Early repayment allowed. Pay off your loan any time ahead of schedule without penalty.
High interest rates. Loans taken out through Crisp Loans come with a high APR of 28% to 32%. Borrowers with good to excellent credit may be able to qualify for a lower rate elsewhere.
Unclear brokerage fee. The Crisp Loans website states that you’ll be charged a brokerage fee if you take out a loan, but the fee amount is not specified.
Other fees. Crisp Loans also charges an NSF fee of $45, and if you need to delay a payment, you’ll have to pay an administrative fee of $35.
Not a direct lender. Crisp Loans is a broker, not a lender, so you’ll be borrowing money from a third party.
Crisp Loans reviews
Site
Details
Trustpilot
No Crisp Loans reviews available
Google
No Crisp Loans reviews available
BBB accreditation
No
BBB rating
N/A
BBB reviews
No Crisp Loans reviews available
As of September 29, 2025
What do Crisp Loans reviews say?
We couldn’t find any Crisp Loans reviews on Trustpilot, Google or the Better Business Bureau. The only reviews we found were three reviews listed on scamadviser.com, with all three giving ratings of 1 out of 5.
Am I eligible?
To qualify for funding from one of Crisp Loans’ lending partners, you will need to:
Be 18 years or older.
Have an after-tax salary of at least $1,200 per month.
Have been employed with the same employer for at least two months.
Be a Canadian resident.
Have a Canadian bank account.
Get paid by direct deposit.
Not be in a bankruptcy or a consumer proposal.
Not be planning to declare bankruptcy or a consumer proposal.
How to apply for loans like Crisp Loans
Online lenders of short-term loans require you to provide your name, date of birth, contact details and desired loan amount. They typically don’t conduct credit checks and will instead request your income and employment information to determine your ability to repay what you borrow.
To verify your income, many lenders require instant bank verification, which allows them to view an electronic, read-only copy of your bank statement. This speeds up the approval process and removes the need to upload copies of your bank statements.
Crisp Loans’ application form asks for this sort of information as well. You’ll need to provide your:
Name, date of birth and contact details
Social Insurance Number and driver’s licence number
Income and employment information
Bank account details
Bottom line
Crisp Loans provides lenient eligibility criteria and fast access to funds. However, we can’t confidently say they’re legitimate because we couldn’t find a business registration or an acceptable online presence. Be aware that a high interest rate and an unclear brokerage fee amount will apply, and Compare Crisp Loans with a range of other lenders to find the right installment loan for you.
Tim Falk is a freelance writer for Finder. Over the course of his 15-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors.
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Here’s how to get a $500 loan to see you through until your next payday.
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