Crisp Loans: Pros, cons & alternatives

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.

Alternatives to Crisp Loans

APR Range	Loan Amount	Loan Term
Loans Canada
Loans Canada Personal Loan	9.99% - 35.00%	$500 - $35,000	6 - 60 months	Go to siteView details Compare product selection Compare	loading	Why we like it 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. Pros & cons Pros Free to use Large lending network Convenient way to compare multiple lenders Loans for all types of credit Cons High rates for bad credit Not a direct lender It takes one to three business days to get a loan
LoanConnect
LoanConnect Personal Loan	8.99% - 35.00%	$500 - $60,000	3 - 120 months	Go to siteView details Compare product selection Compare	loading	Why we like it 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. Pros & cons Pros 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 Cons High rates if you have bad credit LoanConnect isn't a direct lender
Green Loans
Green Loans	22.00% - 35.00% + broker fee	$300 - $1,000	3 - 12 months	Go to siteView details Compare product selection Compare	loading	Why we like it 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. Pros & cons Pros Easy online application Bad credit is okay No collateral needed Pay off your loan early without penalty Cons High interest rates Unclear brokerage fee applies Low loan amounts Not a direct lender

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Pros and cons of Crisp Loans

Crisp Loans reviews

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.

To make sure you get accurate and helpful information, this guide has been edited by Leanne Escobal as part of our fact-checking process.

Written by

Tim Falk

Writer

Tim Falk is a freelance writer for Finder. Over the course of his 20-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. See full bio

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