{"id":1012760,"date":"2023-04-06T17:36:14","date_gmt":"2023-04-06T21:36:14","guid":{"rendered":""},"modified":"2026-05-01T04:35:30","modified_gmt":"2026-05-01T08:35:30","slug":"lines-of-credit-bad-credit","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit","title":{"rendered":"Canadian Lines of Credit for Bad Credit"},"content":{"rendered":"<p>Several lenders in Canada can help you access a line of credit if you have bad credit. Rather than fixating on your credit score, they\u2019ll assess your income, debts and spending activity. However, you may need to pay high interest rates and fees.<\/p><p>Keep reading to compare loan options for bad credit and learn about how to get quick approval.<\/p><h3 id=\"compare\">Compare lines of credit for bad credit in Canada<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 20%;\" scope=\"col\">Lender<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Cost<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan amount<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan term<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\"><\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/LoanConnectLogo_Supplied_325x100-1.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1072957\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/LoanConnectLogo_Supplied_325x100-1.png\" alt=\"LoanConnect\" width=\"325\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/LoanConnectLogo_Supplied_325x100-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/LoanConnectLogo_Supplied_325x100-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/LoanConnectLogo_Supplied_325x100-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/LoanConnectLogo_Supplied_325x100-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/LoanConnectLogo_Supplied_325x100-1.png?fit=975 975w\" sizes=\"(max-width: 975px) 100vw, 975px\" loading=\"lazy\"><\/a><p style=\"text-align: center;\"><strong>Line of Credit<\/strong><\/p><\/td><td>8.99% - 35.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><td>$500 \u2013 $60,000<\/td><td>Open<\/td><td><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loanconnect-line-of-credit-secure-ca.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2215388%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%221b840804-ca2c-4490-a3fd-1a96b9396f4b%22%2C%22product_name%22%3A%22LoanConnect%2BLine%2Bof%2BCredit%22%2C%22provider_id%22%3A%22a95b0463-1871-4f05-98ce-2bd750cc8d80%22%2C%22provider_name%22%3A%22LoanConnect%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000-1.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1042746\" title=\"Image: Loans Canada\/Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000-1.jpg\" alt=\"Loans Canada \" width=\"1800\" height=\"1000\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000-1.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000-1.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000-1.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000-1.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000-1.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000-1.jpg?fit=5400 5400w\" sizes=\"(max-width: 5400px) 100vw, 5400px\" loading=\"lazy\"><\/a><p style=\"text-align: center;\"><strong>Line of Credit<\/strong><\/p><\/td><td>8.99% - 35.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><td>$5,000 \u2013 $35,000<\/td><td>Open<\/td><td><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loans-canada-line-of-credit-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2217711%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%2214ae870b-250c-49a5-9382-06b2d5b7761c%22%2C%22product_name%22%3A%22Loans%2BCanada%2BLine%2Bof%2BCredit%22%2C%22provider_id%22%3A%2222495a20-537f-4e7e-beec-8f771582bcb8%22%2C%22provider_name%22%3A%22Loans%2BCanada%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/fora_Supplied_140x50.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1031618 has-margin-bottom-small\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/fora_Supplied_140x50.jpg\" alt=\"Fora\" width=\"140\" height=\"50\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/fora_Supplied_140x50.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/fora_Supplied_140x50.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/05\/fora_Supplied_140x50.jpg?fit=420 420w\" sizes=\"(max-width: 420px) 100vw, 420px\" loading=\"lazy\"><\/a><p style=\"text-align: center;\"><strong>Line of Credit<\/strong><\/p><\/td><td>19.90% - 34.90%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><td>$1,000 \u2013 $15,000<\/td><td>Open<\/td><td><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/fora-line-of-credit-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2223664%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%223c63df2d-9d2d-492b-89dc-d0bb0bebaead%22%2C%22product_name%22%3A%22Fora%2BLine%2Bof%2BCredit%22%2C%22provider_id%22%3A%22d8781cdb-52e1-45c3-a4fd-8fcd39733c6c%22%2C%22provider_name%22%3A%22Fora%2BCredit%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/td><\/tr><tr><td><div id=\"attachment_1067521\" style=\"width: 150px\" class=\"wp-caption aligncenter none\"><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2025\/11\/Mogo-Logo.png\"><img decoding=\"async\" aria-describedby=\"caption-attachment-1067521\" class=\"alignnone wp-image-1067521\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/11\/Mogo-Logo.png\" alt=\"Mogo\" width=\"140\" height=\"70\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/11\/Mogo-Logo.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/11\/Mogo-Logo.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/11\/Mogo-Logo.png?fit=420 420w\" sizes=\"(max-width: 420px) 100vw, 420px\" loading=\"lazy\"><\/a><p id=\"caption-attachment-1067521\" class=\"wp-caption-text\"><strong style=\"font-family: inherit; font-size: inherit;\">MogoMini Line of Credit<\/strong><\/p><\/div><\/td><td>34.37%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><td>$300 \u2013 $5,000<\/td><td>Open<\/td><td><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/mogo-mini-line-of-credit-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2220446%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%221d5d26e7-fda6-4288-8997-708c5a760c0a%22%2C%22product_name%22%3A%22MogoMini%2BLine%2Bof%2BCredit%22%2C%22provider_id%22%3A%22cf20bda4-8d88-4b65-b0c8-a4f6332ffc0a%22%2C%22provider_name%22%3A%22Mogo%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1072958\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png\" alt=\"Nyble\" width=\"325\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=975 975w\" sizes=\"(max-width: 975px) 100vw, 975px\" loading=\"lazy\"><\/a><p style=\"text-align: center;\"><strong>Credit Line<\/strong><\/p><\/td><td>0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional $11.99\/month fee for membership to get premium services such as instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><td>$30 \u2013 $250<\/td><td>31 days, extendable<\/td><td><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2223215%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22provider_id%22%3A%22ebeeeb79-83ef-4800-894b-85bc38778e7c%22%2C%22provider_name%22%3A%22Nyble%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1072956\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png\" alt=\"KOHO\" width=\"325\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=975 975w\" sizes=\"(max-width: 975px) 100vw, 975px\" loading=\"lazy\"><\/a><p style=\"text-align: center;\"><strong>Cash Advance<\/strong><\/p><\/td><td>0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest is charged to access a cash advance, however a fee is charged monthly (from as little as $2.00\/month). Interest rates displayed are Annual Percentage Rates (APRs) and are provided by our lending partners or obtained on the brand's website. The rates are not guaranteed and should be used for general information purposes only. Interest rates will depend on your location, the lender\u2019s assessment of your credit profile and other circumstances. All loan applications are subject to the lender\u2019s credit criteria, approval and terms and conditions.\" title=\"\" data-original-title=\"\"><\/span> + monthly fee from $2<\/td><td>$20 \u2013 $250<\/td><td>Flexible<\/td><td><\/td><\/tr><tr><th style=\"border-top: none !important; padding-top: 0 !important; font-weight: normal !important;\" colspan=\"5\"><article class=\"luna-card--border luna-card--alt\"><div class=\"luna-card__block\"><span class=\"gx-badge__body hasPopover\" style=\"margin-right: 2rem\" rel=\"popover\" data-content=\"\" data-html=\"true\" data-original-title=\"\" title=\"\">Exclusive<\/span><div class=\"has-padding-xsmall\"><\/div><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-4\/5@s u-1\/1\"><p style=\"font-size: 110%;\">+ Get a <strong>$75 digital Visa Card<\/strong> when you open and fund a <strong>KOHO account<\/strong> online through Finder. Become a Finder Member in seconds for free to claim your reward. <strong>Offer ends June 30, 2026<\/strong>. T&amp;Cs apply.<\/p><\/div><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"display: flex; justify-content: center;\"><p style=\"text-align: center;\"><\/p><div class=\"rewards--element-container rewards--container\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-niche=\"CAFPL-CAA\" data-product-name=\"KOHO Cover\" data-provider-name=\"KOHO\" data-rewards-campaign-name=\"koho|cover|may-2026~cafsl\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"koho|cover|may-2026~cafsl\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-07-01T03:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $75 from Finder\",\"titleHighlight\":\"$75\",\"copyText\":\"Become a Finder Member \\u0026 open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E through Finder to receive a \\u003Cb\\u003E$75 digital Visa card\\u003C\\\/b\\u003E. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-may-2026-promotion\",\"validationDate\":\"2026-07-31T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $75 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new KOHO account\",\"items\":[{\"icon\":\"user\",\"text\":\"Become a Finder Member for free in seconds\"},{\"icon\":\"shopping-bag\",\"text\":\"Open and fund a KOHO account within the promotion period\"},{\"icon\":\"confetti\",\"text\":\"Receive your digital Visa card from Finder on or before August 15, 2026\"}],\"heading\":\"Get $75 from Finder\",\"membersHeading\":\"Get $75 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Become a Finder Member for free in seconds\\n* Open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E within the promotion period\\n* Receive your digital Visa card from Finder on or before August 15, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E within the promotion period\\n* Receive your digital Visa card from Finder on or before August 15, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new Koho account\",\"continueText\":\"GET $75 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO KOHO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-may-2026-promotion\",\"validationDate\":\"2026-07-31T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Boffer%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%22%2C%22offer_id%22%3A%2224890%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%22f256ae15-efed-4744-b404-5007adc7d719%22%2C%22product_name%22%3A%22KOHO%2BCover%22%2C%22provider_id%22%3A%22e32c50f7-c28d-4e2e-b914-e27d6a80ac43%22%2C%22provider_name%22%3A%22KOHO%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success rewards--cta\">Get offer<\/a><\/div><\/div><\/div><\/div><\/article><\/th><\/tr><tr><td><p style=\"text-align: center;\"><strong><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png\"><img decoding=\"async\" class=\"alignnone wp-image-984689 has-margin-bottom-small\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png\" alt=\"Cash Money\" width=\"229\" height=\"123\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=687 687w\" sizes=\"(max-width: 687px) 100vw, 687px\" loading=\"lazy\"><\/a>Line of Credit<\/strong><\/p><\/td><td>34.99%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><td>$500 \u2013 $10,000<\/td><td>Open<\/td><td><\/td><\/tr><tr><td><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1072959\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png\" alt=\"Bree\" width=\"325\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=975 975w\" sizes=\"(max-width: 975px) 100vw, 975px\" loading=\"lazy\"><\/a><p style=\"text-align: center;\"><strong>Cash Advance<\/strong><\/p><\/td><td>0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional transfer fee of  $2.99 \u2013 $45.99 to access instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><td>$20 \u2013 $750<\/td><td>Next pay cycle (90 days max), but allows extensions with no fees<\/td><td><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2223342%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22provider_id%22%3A%224e4ab891-7bbb-4486-ab5c-34b55900e6c3%22%2C%22provider_name%22%3A%22Bree%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/td><\/tr><\/tbody><\/table><h3>Who should I choose if I have bad credit?<\/h3><p>There\u2019s no single best choice because it depends on your personal factors and needs. For example, if you\u2019d like to make the approval process as easy as possible, check out KOHO, which doesn\u2019t have job or income requirements and doesn\u2019t require credit checks. If you\u2019d like to explore multiple options, check out LoanConnect, a loan search platform. It can match you with suitable lenders with just one application. If you\u2019d like to lower your cost as much as possible, consider Nyble. It doesn\u2019t charge any interest or mandatory fees.<\/p><p>Learn more about lines of credit for bad credit below.<\/p><ul><li><a href=\"#loanconnect\">LoanConnect<\/a><\/li><li><a href=\"#loanscanada\">Loans Canada<\/a><\/li><li><a href=\"#nyble\">Nyble<\/a><\/li><li><a href=\"#koho\">KOHO<\/a><\/li><li><a href=\"#mogomini\">Mogo<\/a><\/li><li><a href=\"#fora\">Fora<\/a><\/li><li><a href=\"#cashmoney\">Cash Money<\/a><\/li><li><a href=\"#bree\">Bree<\/a><\/li><\/ul><div class=\"has-padding-xsmall\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-1042487\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/LoanConnect-Logo_Supplied_924x279.png\" alt=\"LoanConnect\" width=\"298\" height=\"90\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/LoanConnect-Logo_Supplied_924x279.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/LoanConnect-Logo_Supplied_924x279.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/LoanConnect-Logo_Supplied_924x279.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/LoanConnect-Logo_Supplied_924x279.png?fit=894 894w\" sizes=\"(max-width: 894px) 100vw, 894px\" loading=\"lazy\"><\/p><h3 id=\"loanconnect\">1. LoanConnect<\/h3><p>Online loan search platform LoanConnect can help you find a line of credit through its network of lenders. It has been around since 2016, and its office is based in London, Ontario.<\/p><h4>Is it accessible for someone with low credit?<\/h4><p>By applying to LoanConnect, you get access to its database of 30+ lenders. You can apply online within minutes and get matched with suitable lenders, whether they offer lines of credit or other types of loans.<\/p><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loanconnect-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%2B%22%2C%22offer_id%22%3A%2215388%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%227fd7d7fc-e864-45a9-b585-bfadfd222da4%22%2C%22product_name%22%3A%22LoanConnect%2BPersonal%2BLoan%22%2C%22provider_id%22%3A%22a95b0463-1871-4f05-98ce-2bd750cc8d80%22%2C%22provider_name%22%3A%22LoanConnect%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small \">Go to site<\/a><\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Line of credit details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><strong>Loan amount:<\/strong> $500 \u2013 $60,000<\/li><li><strong>Loan term:<\/strong> Open<\/li><li><strong>APR:<\/strong> 8.99% - 35.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Eligibility requirements:<\/strong> Canadian citizen or permanent resident, age of majority in your province of residence, current debts must total less than 60% of your income<\/li><li><strong>Serviced provinces:<\/strong> All provinces<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Instant approval:<\/strong> No, but instant pre-approval is available<\/li><li><strong>Credit check required<\/strong>: LoanConnect doesn\u2019t do credit checks, but the lender you\u2019re matched with may.<\/li><li><strong>Guaranteed approval:<\/strong> No<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Convenient online service<\/li><li>Receive funds within as little as 24 hours.<\/li><li>Easy comparison process<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Not a direct lender<\/li><li>Watch out for high rates for bad credit<\/li><li>You can only compare loan offers from lenders in LoanConnect\u2019s network<\/li><\/ul><\/div><\/div><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/loanconnect-personal-loan\" style=\"text-decoration:underline; font-size:0.9em;\">LoanConnect review<\/a>\n<\/div>\n<\/article><img decoding=\"async\" class=\"alignnone wp-image-1037121\" title=\"Image: Loans Canada\/Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000.jpg\" alt=\"Loans Canada\" width=\"299\" height=\"166\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/10\/LoansCanada_Supplied_1800x1000.jpg?fit=897 897w\" sizes=\"(max-width: 897px) 100vw, 897px\" loading=\"lazy\"><h3 id=\"loanscanada\">2. Loans Canada<\/h3><p>Loans Canada is a loan search platform with the largest network of lenders in Canada. It has been in business since 2012 and is based in Toronto, Ontario. Loans Canada is worth considering if you want to thoroughly search for options that best suit your situation.<\/p><h4>Is it accessible for someone with low credit?<\/h4><p>Loans Canada is not a direct lender but a platform that allows you to fill out one application and get matched with appropriate lenders.<\/p><p>This means you could be matched with lenders who offer lines of credit and\/or those who offer other loan types, but you can be reasonably sure that your matches are open to giving you a loan based on your finances.<\/p><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loans-canada-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%2B%22%2C%22offer_id%22%3A%2217711%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%2293a41e3b-0889-4fb6-8474-4a164deb7b8a%22%2C%22product_name%22%3A%22Loans%2BCanada%2BPersonal%2BLoan%22%2C%22provider_id%22%3A%2222495a20-537f-4e7e-beec-8f771582bcb8%22%2C%22provider_name%22%3A%22Loans%2BCanada%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small \">Go to site<\/a><\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Line of credit details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><strong>Loan amount:<\/strong> $5,000 \u2013 $35,000<\/li><li><strong>Loan term:<\/strong> Open<\/li><li><strong>APR:<\/strong> 9.99% - 35.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Eligibility requirements:<\/strong> Canadian resident, age of majority in your province of residence<\/li><li><strong>Serviced provinces:<\/strong> All of Canada<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Instant approval:<\/strong> No, but instant pre-approval is available<\/li><li><strong>Credit check required:<\/strong> Loans Canada doesn\u2019t do credit checks, but the lender you\u2019re matched with may<\/li><li><strong>Guaranteed approval:<\/strong> No<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Network of 60+ lenders<\/li><li>Easy online application process<\/li><li>No fees for using Loans Canada\u2019s service<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Higher rates for bad credit<\/li><li>Quotes aren\u2019t online\u2014you\u2019ll need to speak to a Loans Canada representative over the phone<\/li><li>Not a direct lender<\/li><\/ul><\/div><\/div><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/loans-canada-personal-loan-review\" style=\"text-decoration:underline; font-size:0.9em;\">Loans Canada review<\/a>\n<\/div>\n<\/article><div class=\"has-padding-xsmall\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-1042009\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Nyble-Logo-2-transparent_Supplied_1250x350.png\" alt=\"Nyble\" width=\"250\" height=\"70\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Nyble-Logo-2-transparent_Supplied_1250x350.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Nyble-Logo-2-transparent_Supplied_1250x350.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Nyble-Logo-2-transparent_Supplied_1250x350.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Nyble-Logo-2-transparent_Supplied_1250x350.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/p><p>\u00a0<\/p><h3 id=\"nyble\">3. Nyble<\/h3><p>Nyble launched in 2022 in the Canadian loans marketplace, and its product is a bit different from a traditional line of credit. With a Nyble credit line, you\u2019re approved to borrow up $250. However, you won\u2019t be able to borrow more until you pay off what you previously borrowed.<\/p><p>You can repay your loan on your next payday or roll it over to the following months.<\/p><h4>Is it accessible for someone with low credit?<\/h4><p>Nyble\u2019s process is very straightforward because it offers much smaller loan amounts than most other lenders. It also doesn\u2019t do any credit checks and is flexible in the types of income it accepts. You can get instant approval and instant funding 24\/7.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Line of credit details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><strong>Loan amount:<\/strong> $30 \u2013 $250<\/li><li><strong>Loan term:<\/strong> 31 days, extendable<\/li><li><strong>APR:<\/strong> 0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional $11.99\/month fee for membership to get premium services such as instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Eligibility requirements:<\/strong> You must be 18 years or older and have a minimum monthly income of $1,000.<\/li><li><strong>Serviced provinces:<\/strong> All provinces and territories<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Instant approval:<\/strong> Yes<\/li><li><strong>Credit check required<\/strong>: No<\/li><li><strong>Guaranteed approval:<\/strong> No<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Bad credit is okay (no credit check)<\/li><li>No need to be employed\u2014many types of income are acceptable<\/li><li>Fast approval with no application fee<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Will be costly if you keep rolling over your loan<\/li><li>Small loan amounts<\/li><li>Paid membership required for fast transfers and other premium perks<\/li><\/ul><\/div><\/div><\/div>\n  <\/div>\n<\/li><\/ul><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%2B%22%2C%22offer_id%22%3A%2223215%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22provider_id%22%3A%22ebeeeb79-83ef-4800-894b-85bc38778e7c%22%2C%22provider_name%22%3A%22Nyble%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small \">Go to site<\/a><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review\" style=\"text-decoration:underline; font-size:0.9em;\">Nyble credit line review<\/a>\n<\/div>\n<\/article><\/p><h3><a href=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/01\/KOHO_Supplied_450x250.jpg\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignnone wp-image-1046254\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/01\/KOHO_Supplied_450x250.jpg\" alt=\"KOHO\" width=\"198\" height=\"110\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/01\/KOHO_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/01\/KOHO_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/01\/KOHO_Supplied_450x250.jpg?fit=594 594w\" sizes=\"(max-width: 594px) 100vw, 594px\" loading=\"lazy\"><\/a><\/h3><h3 id=\"koho\">4. KOHO Cover<\/h3><p>KOHO offers a cash advance of up to $250. It\u2019s not exactly a line of credit, but it\u2019s very similar to one. You\u2019re approved to borrow up to a limit, and you can repay the amount you borrow any time with no late penalties.<\/p><h4>Is it accessible for someone with low credit?<\/h4><p><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\">KOHO Cover<\/a> is straightforward, as it doesn\u2019t require a credit check or proof of income. It advertises guaranteed approval for its cash advances. Generally, it\u2019s best to steer clear of lenders that say this, but in KOHO\u2019s case, it\u2019s a legitimate, well-known lender that\u2019s currently pursuing a Schedule 1 bank licence.<\/p><div class=\"rewards-banner-container\n   rewards--container   \" data-campaign-name=\"koho|cover|may-2026~cafsl\" data-end-soon-date=\"2026-06-24T03:59:59.000Z\" data-niche=\"CAFPL-CAA\" data-rewards-component=\"banner\">\n  <div class=\"rewards-banner\">\n    <div class=\"rewards-banner__top\">\n      <div class=\"rewards-banner__badge\">\n        FINDER REWARDS EXCLUSIVE\n      <\/div>\n    <\/div>\n    <div class=\"rewards-banner__content\">\n      <div class=\"rewards-banner__logo-and-share\">\n                  <div class=\"rewards-banner__logo-wrapper\">\n            <img decoding=\"async\" src=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-logo-koho\" class=\"rewards-banner__logo\" alt=\"KOHO logo\" loading=\"lazy\">\n          <\/div>\n        \n        <button class=\"rewards-banner__share-btn rewards-banner__share-btn--mobile\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-may-2026-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n      <div class=\"rewards-banner__main-content\">\n        <div class=\"rewards-banner__text-content\">\n          <div class=\"rewards-banner__badges\">\n                                    <div class=\"rewards-banner__ends-soon\">\n              <svg class=\"luna-icon rewards-banner__ends-soon-icon\" style=\"--fill: var(--color-foreground-main)\">\n                <use href=\"#lightning\"><\/use>\n              <\/svg>\n              ENDS SOON\n            <\/div>\n                      <\/div>\n          <div class=\"rewards-banner__title-and-copy\">\n            <div class=\"rewards-banner__title\">\n                              Get <span class=\"rewards-banner__title-highlight\">$75<\/span> from Finder\n                          <\/div>\n            <div class=\"rewards-banner__copy\">\n        <span class=\"rewards-banner__copy-text\">\n          Become a Finder Member &amp; open and fund a <b>KOHO account<\/b> through Finder to receive a <b>$75 digital Visa card<\/b>. Offer ends June 30, 2026.\n        <\/span>\n              <a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-koho-promotion-terms-and-conditions-may-2026\" class=\"rewards-banner__terms-link\" target=\"_blank\" rel=\"noopener noreferrer\">\n                Separate T&amp;Cs apply.\n              <\/a>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"rewards-banner__cta-wrapper\">\n                              <link rel=\"preload\" href=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-logo-koho\" as=\"image\" type=\"image\/svg+xml\">\n     <script>window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"koho|cover|may-2026~cafsl\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-07-01T03:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $75 from Finder\",\"titleHighlight\":\"$75\",\"copyText\":\"Become a Finder Member \\u0026 open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E through Finder to receive a \\u003Cb\\u003E$75 digital Visa card\\u003C\\\/b\\u003E. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-may-2026-promotion\",\"validationDate\":\"2026-07-31T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $75 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new KOHO account\",\"items\":[{\"icon\":\"user\",\"text\":\"Become a Finder Member for free in seconds\"},{\"icon\":\"shopping-bag\",\"text\":\"Open and fund a KOHO account within the promotion period\"},{\"icon\":\"confetti\",\"text\":\"Receive your digital Visa card from Finder on or before August 15, 2026\"}],\"heading\":\"Get $75 from Finder\",\"membersHeading\":\"Get $75 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Become a Finder Member for free in seconds\\n* Open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E within the promotion period\\n* Receive your digital Visa card from Finder on or before August 15, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E within the promotion period\\n* Receive your digital Visa card from Finder on or before August 15, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new Koho account\",\"continueText\":\"GET $75 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO KOHO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-may-2026-promotion\",\"validationDate\":\"2026-07-31T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script>\n          <a type=\"button\" class=\"rewards-banner__cta rewards--cta rewards--element-container\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-product-name=\"KOHO Cover\" data-offer-id=\"24890\" data-provider-name=\"KOHO\" data-provider-id=\"e32c50f7-c28d-4e2e-b914-e27d6a80ac43\" data-rewards-campaign-name=\"koho|cover|may-2026~cafsl\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca\">\n            GET DEAL\n          <\/a>\n                <button class=\"rewards-banner__share-btn rewards-banner__share-btn--desktop\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-may-2026-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Line of credit details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><strong>Loan amount:<\/strong> $20 \u2013 $250<\/li><li><strong>Loan term:<\/strong> Flexible<\/li><li><strong>APR:<\/strong> 0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest is charged to access a cash advance, however a fee is charged monthly (from as little as $2.00\/month). Interest rates displayed are Annual Percentage Rates (APRs) and are provided by our lending partners or obtained on the brand's website. The rates are not guaranteed and should be used for general information purposes only. Interest rates will depend on your location, the lender\u2019s assessment of your credit profile and other circumstances. All loan applications are subject to the lender\u2019s credit criteria, approval and terms and conditions.\" title=\"\" data-original-title=\"\"><\/span> + monthly fee from $2<\/li><li><strong>Eligibility requirements:<\/strong> KOHO account\u2014access higher loan amounts over time by using KOHO for everyday spending, repaying your monthly fees and using its other services<\/li><li><strong>Serviced provinces:<\/strong> All provinces and territories<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Instant approval:<\/strong> Yes, you get instant access<\/li><li><strong>Credit check required<\/strong>: No<\/li><li><strong>Guaranteed approval: <\/strong>Yes<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Bad credit is okay (no credit check)<\/li><li>No need to be employed<\/li><li>No interest<\/li><li>Reputable lender<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Monthly fee required<\/li><li>Small amounts<\/li><\/ul><\/div><\/div><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-signup-bonus\" style=\"text-decoration:underline; font-size:0.9em;\">KOHO sign-up bonuses<\/a>\n<\/div>\n<\/article><div class=\"has-padding-xsmall\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-949057\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/MogoLogo_Supplied_350x146.png\" alt=\"Mogo\" width=\"245\" height=\"102\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/MogoLogo_Supplied_350x146.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/MogoLogo_Supplied_350x146.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/MogoLogo_Supplied_350x146.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/MogoLogo_Supplied_350x146.png?fit=735 735w\" sizes=\"(max-width: 735px) 100vw, 735px\" loading=\"lazy\"><\/p><h3 id=\"mogomini\">5. MogoMini<\/h3><p>MogoMini is a line of credit offered by Vancouver-based fintech <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/mogo\">Mogo<\/a>. You can apply online and get pre-approved in less than five minutes.<\/p><h4>Is it accessible for someone with low credit?<\/h4><p>This line of credit is easier to get than many other lines of credit in Canada because this product is intended to be a payday loan alternative for emergency funding. Mogo is open to financing borrowers with a credit score of at least 600. You can also apply if your income is more than $35,000\/year.<\/p><p>While this line of credit may be easy to get, with such a high interest rate, it\u2019s best to apply only if absolutely necessary, and ensure that you pay off the amount borrowed as quickly as possible.<\/p><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/mogo-mini-line-of-credit-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%2B%22%2C%22offer_id%22%3A%2220446%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%221d5d26e7-fda6-4288-8997-708c5a760c0a%22%2C%22product_name%22%3A%22MogoMini%2BLine%2Bof%2BCredit%22%2C%22provider_id%22%3A%22cf20bda4-8d88-4b65-b0c8-a4f6332ffc0a%22%2C%22provider_name%22%3A%22Mogo%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small \">Go to site<\/a><\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Line of credit details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><strong>Loan amount:<\/strong> $300 \u2013 $5,000<\/li><li><strong>Loan term:<\/strong> Open<\/li><li><strong>APR:<\/strong> 34.36%<\/li><li><strong>Eligibility requirements:<\/strong> Canadian resident, age of majority in your province of residence, annual net income of $35,000<\/li><li><strong>Serviced provinces:<\/strong> BC, AB, SK, MB, ON, NB, NS, NF, PEI, NU, NT<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Instant approval:<\/strong> No, but instant prequalification is available<\/li><li><strong>Credit check required<\/strong>: Yes<\/li><li><strong>Guaranteed approval:<\/strong> No<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Fast pre-approval<\/li><li>Designed for borrowers who struggle to qualify with traditional lenders<\/li><li>Mogo account holders also get a range of other perks<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Steep interest rates for bad credit<\/li><li>Other lenders offer higher loan amounts<\/li><li>Watch out for additional fees<\/li><\/ul><\/div><\/div><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/mogo-mini-line-of-credit-review\" style=\"text-decoration:underline; font-size:0.9em;\">MogoMini review<\/a>\n<\/div>\n<\/article><div class=\"has-padding-xsmall\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-1000975\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/Fora_Supplied_450x250.jpg\" alt=\"Fora\" width=\"244\" height=\"135\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/Fora_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/Fora_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/Fora_Supplied_450x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/Fora_Supplied_450x250.jpg?fit=732 732w\" sizes=\"(max-width: 732px) 100vw, 732px\" loading=\"lazy\"><\/p><h3 id=\"fora\">6. Fora<\/h3><p>Fora is a relatively new lender in Canada that launched in 2022. It offers an unsecured line of credit to suit borrowers who may not qualify with banks and credit unions.<\/p><p>You can apply online without needing to email or upload documents, but Fora requires view-only access to your bank statements before it can give approval.<\/p><p>When you need to access money from your line of credit, Fora can deposit it into your bank account as soon as the same business day.<\/p><h4>Is it accessible for someone with low credit?<\/h4><p>It\u2019s easier to get than a line of credit from a financial institution. Fora can consider your income as long as it\u2019s regularly paid into your bank account. This means you can qualify even if your income does not come from employment. This lender is also more lenient with credit scores.<\/p><p>To increase your chance of approval, you\u2019ll need to show Fora that you are receiving enough income and that you have room in your finances for new line of credit payments.<\/p><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/fora-line-of-credit-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--large%2Bluna-button--success%2Bhas-margin-bottom-small%2B%22%2C%22offer_id%22%3A%2223664%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%223c63df2d-9d2d-492b-89dc-d0bb0bebaead%22%2C%22product_name%22%3A%22Fora%2BLine%2Bof%2BCredit%22%2C%22provider_id%22%3A%22d8781cdb-52e1-45c3-a4fd-8fcd39733c6c%22%2C%22provider_name%22%3A%22Fora%2BCredit%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--large luna-button--success has-margin-bottom-small \">Go to site<\/a><\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">Line of credit details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><strong>Loan amount:<\/strong> $1,000 \u2013 $15,000<\/li><li><strong>Loan term:<\/strong> Open<\/li><li><strong>APR:<\/strong> 19.90% - 34.90%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Eligibility requirements:<\/strong> Steady source of income, be a Canadian citizen or permanent resident, be a resident of and legal age of majority in one of Fora\u2019s serviced provinces and have an active personal bank account<\/li><li><strong>Serviced provinces:<\/strong> AB, BC, NB, NS, ON and SK<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Instant approval:<\/strong> No<\/li><li><strong>Credit check required<\/strong>: Yes<\/li><li><strong>Guaranteed approval:<\/strong> No<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Fast access to funds<\/li><li>No additional fees<\/li><li>Easy application process<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>High interest rate<\/li><li>You won\u2019t be able to get this line of credit if you live outside of AB, BC, NB, NS, ON and SK<\/li><\/ul><\/div><\/div><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/fora-line-of-credit-review\" style=\"text-decoration:underline; font-size:0.9em;\">Fora line of credit review<\/a>\n<\/div>\n<\/article><div class=\"has-padding-xsmall\"><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-984689 has-padding-top-small\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png\" alt=\"Cash Money\" width=\"313\" height=\"55\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/05\/CashMoneyLogo_Supplied_534x94.png?fit=939 939w\" sizes=\"(max-width: 939px) 100vw, 939px\" loading=\"lazy\"><\/p><h3 id=\"cashmoney\">7. Cash Money\u2019s line of credit<\/h3><p>Cash Money is more known for providing payday loans, but it also offers lines of credit. One of the biggest alternative lenders, it has been operating for decades and is headquartered in Toronto, Ontario.<\/p><p>You can apply for a loan and verify your income online, while in-store and phone applications are also accepted.<\/p><h4>Is it accessible for someone with low credit?<\/h4><p>This line of credit is easier to get than lines of credit from banks and sometimes even other alternative lenders. Cash Money is open to non-employment incomes and lower credit scores. Its line of credit interest rate is high, though, at 34.99%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span>. It\u2019s important to be financially disciplined and pay off your balance as soon as possible if you get this line of credit.<\/p><p style=\"text-align: center;\"><\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Line of credit details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><strong>Loan amount:<\/strong> $500 \u2013 $10,000<\/li><li><strong>Loan term:<\/strong> Open<\/li><li><strong>APR:<\/strong> 34.99%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Eligibility requirements:<\/strong> Steady source of income, active bank account, min. 600 credit score<\/li><li><strong>Serviced provinces:<\/strong> AB, BC, MB, NB, NL, NS, ON and SK<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Instant approval:<\/strong> No<\/li><li><strong>Credit check required<\/strong>: Yes<\/li><li><strong>Guaranteed approval:<\/strong> No<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000013\" data-toggle=\"collapse\" data-target=\"#accordion0000000013\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000013\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Easy to apply<\/li><li>Bad credit accepted<\/li><li>Operating since 1992<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>High interest rates<\/li><li>Not available everywhere<\/li><li>Check the fine print for any additional fees<\/li><\/ul><\/div><\/div><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/cash-money-line-of-credit-review\" style=\"text-decoration:underline; font-size:0.9em;\">Cash Money line of credit review<\/a>\n<\/div>\n<\/article><p><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1072959\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png\" alt=\"Bree\" width=\"325\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/BreeLogo_Supplied_325x100-1.png?fit=975 975w\" sizes=\"(max-width: 975px) 100vw, 975px\" loading=\"lazy\"><\/a><\/p><h3 id=\"bree\">8. Bree<\/h3><p>Bree is a cash advance app that offers short-term advances to help cover expenses between paycheques. While it isn\u2019t a traditional line of credit, it provides similar flexibility because you can borrow small amounts and repay them within 90 days. If you need an extension within that time period, you can contact Bree to get one at no extra cost. And since Bree was designed as a low-cost alternative to payday loans, it doesn\u2019t charge interest on its advances.<\/p><h4>Is it accessible for someone with low credit?<\/h4><p>Bree is easier to qualify for than traditional lines of credit, as the platform doesn\u2019t perform a credit check when reviewing applications. Instead, it looks at factors like your banking activity and regular income deposits, including government benefits, to determine eligibility.<\/p><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2223342%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22provider_id%22%3A%224e4ab891-7bbb-4486-ab5c-34b55900e6c3%22%2C%22provider_name%22%3A%22Bree%22%2C%22post_id%22%3A%221012760%22%2C%22post_path%22%3A%22personal-loans%252Flines-of-credit-bad-credit%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000014\" data-toggle=\"collapse\" data-target=\"#accordion0000000014\">\n        <span class=\"luna-accordion__title\">Line of credit details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000014\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><strong>Loan amount:<\/strong> $20\u2013 $750<\/li><li><strong>Loan term:<\/strong> Next pay cycle (90 days max)<\/li><li><strong>APR:<\/strong> 0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional transfer fee of  $2.99 \u2013 $45.99 to access instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Eligibility requirements:<\/strong> You must have a bank account with regular income deposits and a Visa or Mastercard debit card with a CVV<\/li><li><strong>Serviced provinces:<\/strong> All provinces and territories<\/li><li><strong>Accepts bad credit:<\/strong> Yes<\/li><li><strong>Instant approval: <\/strong>Yes<\/li><li><strong>Credit check required<\/strong>: No<\/li><li><strong>Guaranteed approval:<\/strong> No<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000015\" data-toggle=\"collapse\" data-target=\"#accordion0000000015\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000015\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Fast access to funds<\/li><li>Flexible repayment period<\/li><li>0% interest<\/li><li>No min. income required<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Fees ranging from $2.99 \u2013 $45.99 for instant transfers<\/li><li>Small loan amounts<\/li><\/ul><\/div><\/div><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/bree-review\" style=\"text-decoration:underline; font-size:0.9em;\">Bree review<\/a>\n<\/div>\n<\/article><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>A line of credit allows you to borrow money up to a set limit and repay only the amount you use plus interest.<\/li>\n          <li>Individuals with bad credit may face challenges obtaining a line of credit from traditional lenders due to stricter eligibility requirements.<\/li>\n          <li>Private lenders offer options for borrowers with poor credit, but these often come with significantly higher interest rates and fees.<\/li>\n          <li>To avoid further financial strain, it\u2019s important to compare lenders, understand repayment terms and ensure a loan aligns with your financial capacity.<\/li>\n      <\/ul>\n\n      <div class=\"keyTakeaways__footer\">\n      <div class=\"keyTakeaways__footer-cta-text\">Ready to get a line of credit?<\/div>\n      <a class=\"luna-button luna-button--primary\" href=\"#compare\">Compare lenders<\/a>\n    <\/div>\n  \n  <\/div>\n<h3>How do I get a line of credit with bad credit?<\/h3><p>To get approved for a line of credit with bad credit, you can apply to alternative lenders. Many lenders operating online work with bad credit borrowers. You can apply through a lender directly or use an online loan search platform like Loans Canada or LoanConnect, which can match you with a lender that suits your needs.<\/p><p>Rather than focusing on your credit score, bad credit lenders will consider other factors when assessing your credit application, such as your income, existing debts and spending activity.<\/p><h3>Can I get a guaranteed line of credit with bad credit?<\/h3><p>Not really. Be wary of any lender that promises \u201cguaranteed\u201d approval. This is a common red flag that could indicate a <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-scams\">personal loan scam<\/a>, so the safest thing to do is steer clear. The one exception we\u2019ve found is KOHO. KOHO is advertising guaranteed approval at the moment, and it\u2019s a legit lender.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/everyone-approved-loans-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Everyone approved loans: Do they exist?<\/a>\n<\/div>\n<\/article><h3>Can I get a line of credit without a credit check?<\/h3><p>You can get a line of credit without a credit check from Nyble. You can repay any time and build your credit, but you can only borrow up to $250. KOHO and Bree also offer flexible repayments, but unlike Nyble, they don\u2019t build your credit.<\/p><h3>Can I get easy approval for a line of credit from a bank?<\/h3><p>It\u2019s not easy to get a line of credit from a bank unless you have a strong financial profile. To increase your chance of getting approved for a bank line of credit, you\u2019ll need to meet the following:<\/p><ul><li>Have sufficient income (steady full-time employment preferred)<\/li><li>Monthly debt payments are less than 40% of your monthly income<\/li><li>Credit score over 700<\/li><\/ul><p>Securing your line of credit with your home or investments will also help your application.<\/p><h3>Which banks or credit unions are the easiest to get a line of credit from?<\/h3><p>Overall, banks and credit unions have strict eligibility requirements, so your financial situation would need to be in a strong place. But here are lenders you can consider:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 40%;\" scope=\"col\">Lender<\/th><th style=\"text-align: left; width: 60%;\" scope=\"col\">Why it\u2019s great<\/th><\/tr><\/thead><tbody><tr><td><strong>Innovation Federal Credit Union<\/strong><\/td><td><ul><li>Apply online in less than 10 minutes<\/li><li>Approval in one business day<\/li><li>High maximum rate (14.99%), which suggests they\u2019re open to less-than-perfect credit<\/li><\/ul><\/td><\/tr><tr><td><strong>FirstOntario Credit Union<\/strong><\/td><td><ul><li>Apply online<\/li><li>Low minimum annual income: $15,000<\/li><li>Accepts cosigners<\/li><\/ul><\/td><\/tr><tr><td><strong>Vancity Credit Union<\/strong><\/td><td><ul><li>Offers the Personaline, which is a small line of credit, under $5,000, for people who don\u2019t qualify for their standard line of credit<\/li><li>Minimum limit is as low as $500<\/li><\/ul><\/td><\/tr><tr><td><strong>Tangerine<\/strong><\/td><td><ul><li>Apply online in minutes<\/li><li>Manage your loan online<\/li><li>Access competitive rates<\/li><\/ul><\/td><\/tr><\/tbody><\/table><h3>Should I get a line of credit if I have a low credit score?<\/h3><p>A line of credit is a good idea only if you are financially disciplined. A line of credit is a flexible loan that allows you to access funds as you need them up to a limit. You can use a portion of your credit limit or the full amount \u2014 it\u2019s up to you \u2014 and you can use the money for any purpose.<\/p><p>You\u2019re only charged interest on the amount you borrow, not on the full credit limit. There are minimum payments you must make every month, but the main benefit of a line of credit is that you can pay off the amount you borrow whenever it\u2019s best for you.<\/p><p>This is why a line of credit requires financial discipline. There\u2019s a risk of borrowing more than you need, and interest is calculated daily on the unpaid balance.<\/p><p>If you have bad credit, consider the steep interest rate, which can have a big impact on the total cost of borrowing. Also, if you miss payments, you could damage your credit score further (although you can make interest-only payments, which makes it more affordable).<\/p><p><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-management\/free-help-for-debt-management\">Consider credit counselling<\/a> if you need advice on debt management.<\/p><div class=\"eeQuote box u-rounded--lg source-external type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                    <img decoding=\"async\" alt=\"Sean Cooper's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                <\/figure>\n\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Expert insight<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"It\u2019s important to use a line of credit responsibly, especially if you have bad credit. Before using your line of credit, ask yourself what the purpose is. If it\u2019s to buy something you can\u2019t afford, it\u2019s best not to use it.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Sean Cooper's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/07\/SeanCooper_Supplied_500x500.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                            <\/figure>\n                                                    <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/ca\/author\/seancooper\" itemprop=\"url\" target=\"_blank\">\n                                Sean Cooper\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editorial Review Board<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Features of lines of credit for bad credit<\/h3><p>If you\u2019re applying for a bad credit line of credit, keep an eye out for these features:<\/p><ul><li style=\"padding-bottom: 14px;\"><strong>High interest rates.<\/strong> Interest rates on lines of credit for bad credit can be as high as 35%. With this in mind, it\u2019s a good idea to make more than the minimum monthly payment to minimize the interest that accrues.<\/li><li style=\"padding-bottom: 14px;\"><strong>Fixed rates.<\/strong> Line of credit interest rates for bad credit are usually fixed, which means your rate will stay the same.<\/li><li style=\"padding-bottom: 14px;\"><strong>Lower credit amounts.<\/strong> Online lenders tend to offer smaller credit limits than banks. If your credit score is less-than-perfect, you can expect to qualify for a lower amount than someone with excellent credit.<\/li><li style=\"padding-bottom: 14px;\"><strong>Improve your credit.<\/strong> Making on-time payments on your line of credit can help rebuild your credit score.<\/li><\/ul><h3>Secured vs unsecured lines of credit<\/h3><ul><li style=\"padding-bottom: 14px;\"><strong>Secured lines of credit.<\/strong> This type of line of credit is backed by collateral (usually your house), allowing you to access a higher credit limit and better interest rate. However, this product is not easy to get if you have bad credit because it\u2019s offered by traditional lenders, not alternative lenders. For reference, <strong>the average secured line of credit rate is 4.07%<\/strong>.<\/li><li style=\"padding-bottom: 14px;\"><strong>Unsecured lines of credit.<\/strong> With no collateral to secure the loan, unsecured lines of credit have higher interest rates. This is easier to get than a secured line of credit if you have bad credit because you can get one from an alternative lender. <strong>The average unsecured line of credit rate is 7.94%<\/strong>, but if you have bad credit, you\u2019ll be charged much more than this.<\/li><\/ul><h3>Tips to get easy approval<\/h3><p>Even if your credit score is poor, there are several simple things you can do to increase your chance of getting approved by a legitimate lender:<\/p><ul><li style=\"padding-top: 14px;\"><strong>Check your credit report.<\/strong> Find out what <a href=\"https:\/\/www.finder.com\/ca\/credit-score\">your credit score<\/a> is to get a better idea of which lenders may be willing to work with you. You can also check whether there are any inaccuracies in your credit report that need to be fixed.<\/li><li style=\"padding-top: 14px;\"><strong>Pay down your debt.<\/strong> Your <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-to-income-ratio\">debt-to-income (DTI) ratio<\/a> is a key factor lenders will consider when you apply for credit. By taking the time to pay down your existing debts, you\u2019ll ensure that a smaller portion of your income goes towards paying back what you owe. Lenders typically want to see a DTI below 40%, but lenders of lines of credit for bad credit are open to higher DTIs.<\/li><li style=\"padding-top: 14px;\"><strong>Apply for a smaller amount.<\/strong> Lenders are more likely to approve you for smaller amounts than larger amounts.<\/li><li style=\"padding-top: 14px;\"><strong>Get a cosigner.<\/strong> Finding someone with strong credit who is willing to cosign your loan will also boost your chance of getting approved. However, that person will have to step in and cover the repayments if you fall behind.<\/li><\/ul><h3>How to apply<\/h3><p>It\u2019s easy to apply for an online personal line of credit for bad credit. Here\u2019s what you need to do:<\/p><ol><li style=\"padding-bottom: 14px;\"><strong>Compare your options.<\/strong> Compare lenders to find out about their eligibility requirements, line of credit amounts and interest rates. You can do your own research or go through a loan search platform to find a loan that\u2019s right for you.<\/li><li style=\"padding-bottom: 14px;\"><strong>Submit your application.<\/strong> Fill out an online application form with your name, contact details, and income and employment information.<\/li><li style=\"padding-bottom: 14px;\"><strong>Provide supporting documentation<\/strong>. You may need to provide proof of ID, such as your driver\u2019s licence or passport, and bank account information to prove your income.<\/li><li style=\"padding-bottom: 14px;\"><strong>Get funded.<\/strong> It\u2019ll typically take between one and three business days to get approved and funded. You can then withdraw from your available credit as needed to fund any expenses.<\/li><\/ol><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/line-of-credit\" style=\"text-decoration:underline; font-size:0.9em;\">Guide to lines of credit in Canada<\/a>\n<\/div>\n<\/article><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can you get a line of credit with bad credit Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. While you may not be able to qualify with a bank or credit union, some online lenders offer lines of credit for bad credit in Canada. However, high interest rates typically apply.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What credit score do I need to get a line of credit with bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on the lender, but generally, your credit score needs to be over 570, sometimes even 600.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can you get instant approval for a line of credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Unless it's a non-traditional line of credit like Nyble, you can't get instant approval for a line of credit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Are there home equity lines of credit (HELOCs) for bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>HELOCs are typically given to people with good to excellent credit. You'll need to apply for an unsecured line of credit if you have bad credit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Is taking out a line of credit bad?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on your situation. A line of credit can be a convenient way to cover unexpected expenses, but it requires discipline with spending and making payments. Also, if you have bad credit, be aware that high interest rates will apply when you access credit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">How can I get a line of credit for bad credit in Ontario?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If you're in Ontario, you can get a line of credit from alternative lenders like Mogo, KOHO, Nyble and Loans Canada.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">Can I get a student line of credit with bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It'll be difficult to get a student line of credit with bad credit. This is because a student may not have sufficient income, and, combined with a low credit score, there is a high risk that banks will not get their money back if they lend to a student. You can boost your odds of approval by including a cosigner.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">How much can I borrow with a line of credit for bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Lines of credit for bad credit typically have limits of up to $10,000.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000008\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000008\">\n                <span class=\"luna-accordion__title\">How hard is it to get a line of credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000008\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It can be very hard to get a line of credit with a low credit score. Lines of credit give you convenient access to money, and because of this, lenders will want to make sure you're the type of person who pays back your loans on time.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000009\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000009\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>How to access flexible financing with a line of credit in Canada even if you have bad credit.<\/p>\n","protected":false},"author":516,"featured_media":1047015,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[407],"tags":[],"asset_tag":[],"class_list":["post-1012760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Canadian Lines of Credit for Bad Credit | Finder Canada<\/title>\n<meta name=\"description\" content=\"Lines of credit for low credit do exist. Compare rates and terms of lines of credit for bad credit in Canada.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 Lines of Credit for Bad Credit in Canada | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"Lines of credit for low credit do exist. Compare rates and terms of lines of credit for bad credit in Canada.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-06T21:36:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/cashadvancevspaydayloan_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tim Falk\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tim Falk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"18 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit\"},\"author\":[{\"name\":\"Tim Falk\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464\"},{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72\"}],\"headline\":\"Canadian Lines of Credit for Bad Credit\",\"datePublished\":\"2023-04-06T21:36:14+00:00\",\"dateModified\":\"2026-03-09T15:16:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit\"},\"wordCount\":7499,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/cashadvancevspaydayloan_Supplied_1800x1000.jpg\",\"articleSection\":[\"Personal Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Financial Consumer Agency of Canada: Lines of credit\",\"url\":\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/loans\/loans-lines-credit.html\"},{\"@type\":\"CreativeWork\",\"name\":\"Statistics Canada, Funds advanced, outstanding balances, and interest rates for new and existing lending, Bank of Canada\",\"url\":\"https:\/\/www150.statcan.gc.ca\/t1\/tbl1\/en\/tv.action?pid=1010000601\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit\",\"url\":\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit\",\"name\":\"Canadian Lines of Credit for Bad Credit | Finder Canada\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/personal-loans\/lines-of-credit-bad-credit#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/cashadvancevspaydayloan_Supplied_1800x1000.jpg\",\"datePublished\":\"2023-04-06T21:36:14+00:00\",\"dateModified\":\"2026-03-09T15:16:22+00:00\",\"description\":\"Lines of credit for low credit do exist. 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While you may not be able to qualify with a bank or credit union, some online lenders offer lines of credit for bad credit in Canada. However, high interest rates typically apply.\r\r"}},{"@type":"Question","name":"What credit score do I need to get a line of credit with bad credit?","acceptedAnswer":{"@type":"Answer","text":"\r\rIt depends on the lender, but generally, your credit score needs to be over 570, sometimes even 600.\r\r"}},{"@type":"Question","name":"Can you get instant approval for a line of credit?","acceptedAnswer":{"@type":"Answer","text":"\r\rUnless it's a non-traditional line of credit like Nyble, you can't get instant approval for a line of credit.\r\r"}},{"@type":"Question","name":"Are there home equity lines of credit (HELOCs) for bad credit?","acceptedAnswer":{"@type":"Answer","text":"\r\rHELOCs are typically given to people with good to excellent credit. You'll need to apply for an unsecured line of credit if you have bad credit.\r\r"}},{"@type":"Question","name":"Is taking out a line of credit bad?","acceptedAnswer":{"@type":"Answer","text":"\r\rIt depends on your situation. A line of credit can be a convenient way to cover unexpected expenses, but it requires discipline with spending and making payments. Also, if you have bad credit, be aware that high interest rates will apply when you access credit.\r\r"}},{"@type":"Question","name":"How can I get a line of credit for bad credit in Ontario?","acceptedAnswer":{"@type":"Answer","text":"\r\rIf you're in Ontario, you can get a line of credit from alternative lenders like Mogo, KOHO, Nyble and Loans Canada.\r\r"}},{"@type":"Question","name":"Can I get a student line of credit with bad credit?","acceptedAnswer":{"@type":"Answer","text":"\r\rIt'll be difficult to get a student line of credit with bad credit. This is because a student may not have sufficient income, and, combined with a low credit score, there is a high risk that banks will not get their money back if they lend to a student. You can boost your odds of approval by including a cosigner.\r\r"}},{"@type":"Question","name":"How much can I borrow with a line of credit for bad credit?","acceptedAnswer":{"@type":"Answer","text":"\r\rLines of credit for bad credit typically have limits of up to $10,000.\r\r"}},{"@type":"Question","name":"How hard is it to get a line of credit?","acceptedAnswer":{"@type":"Answer","text":"\r\rIt can be very hard to get a line of credit with a low credit score. Lines of credit give you convenient access to money, and because of this, lenders will want to make sure you're the type of person who pays back your loans on time.\r\r"}}]}]},"article_modified_time":"2026-03-09T15:16:22+00:00"},"custom_fields":{"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Have bad credit but want the flexibility of a line of credit? 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