{"id":1080716,"date":"2026-07-16T14:48:02","date_gmt":"2026-07-16T18:48:02","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1080716"},"modified":"2026-07-16T14:58:13","modified_gmt":"2026-07-16T18:58:13","slug":"kizzo-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/kizzo-review","title":{"rendered":"Kizzo Review: Is It Legit?"},"content":{"rendered":"<h3>Is Kizzo legit?<\/h3><p>Yes, Kizzo is completely legit. Kizzo is operated by Fig Financial, a Toronto-based digital lending fintech that was founded in 2023. Fig offers online personal loans of up to $35,000. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/fig-loans-review\">Learn more in our Fig loans review.<\/a><\/p><p>Fig is, in turn, a wholly owned subsidiary of Fairstone Bank of Canada, a Schedule I bank and alternative lender.<\/p><h3>What we like about Kizzo<\/h3><ul class=\"list-1\"><li><strong>Flexible eligibility criteria.<\/strong> Kizzo loans are designed for borrowers who can\u2019t qualify for a Fig loan, so you may be able to qualify even if you don\u2019t have excellent credit.<\/li><li><strong>Transparent loan information.<\/strong> The Kizzo website clearly spells out the cost of borrowing before you apply. This information is also included in your loan agreement.<\/li><li><strong>24\/7 decisions.<\/strong> Kizzo\u2019s automated decision-making system means you can apply and get approved for a loan 24\/7.<\/li><li><strong>Apply online in minutes.<\/strong> It only takes 10 minutes to apply using Kizzo\u2019s mobile-friendly online application.<\/li><li><strong>Fast access to funds.<\/strong> You can get your loan amount as soon as 1 business day after applying.<\/li><li><strong>Large loan amounts.<\/strong> You can borrow up to $10,000 with a Kizzo personal loan.<\/li><li><strong>Repay over up to 5 years.<\/strong> Kizzo loan terms range from 24 to 60 months.<\/li><li><strong>Flexible repayments.<\/strong> You can make payments towards your loan weekly, bi-weekly or monthly.<\/li><li><strong>Early repayment allowed.<\/strong> You can make extra payments towards your loan or pay it off early at any time without penalty.<\/li><li><strong>Established provider.<\/strong> While Kizzo is a new offering in the Canadian personal loan market, it\u2019s backed by Schedule I bank Fairstone.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-12\"><li><strong>High APR.<\/strong> Kizzo loans come with a high APR of 31.99%. If you have good credit, you\u2019ll find a lower rate elsewhere.<\/li><li><strong>Could impact your credit score.<\/strong> You will need to complete a hard credit check to apply for a Kizzo loan, while missed payments are reported to the credit bureaus.<\/li><li><strong>Not available everywhere.<\/strong> Kizzo loans are not available in Quebec, Newfoundland and Labrador or the Territories.<\/li><li><strong>$45 NSF fee.<\/strong> It says on the Kizzo website that the NSF fee is $45. The legal maximum in Canada is $10.<\/li><\/ul><h3>Alternatives to Kizzo<\/h3>    <style>\n.popover.fade.bottom.in { overflow: visible !important;}\n.table-popover { overflow: visible !important; }\n.luna-card.luna-card--border.luna-card--stretch.comparisonPick-item.flex-item-1 { border-radius: 0; overflow: visible !important; margin: 0 !important;}\n#product-comparison-box { overflow: visible; }\n.aligncenter { max-height: fit-content !important; max-width: fit-content !important;}\n@media (max-width: 960px) {\n    .outer-container {\n        display: flex;\n        justify-content: center;\n    }\n}\n\n.i-1 {\n  z-index: 1;\n  background-color: #F5F4EF;\n  \/* margin-left: 0.5em !important; *\/\n  box-shadow: 4px 6px 0 0 #232320;\n  border: 2px solid #232320;\n \n}\n\n\/* @media (min-width: 768px) {\n  .i-1 { transform: scale(1.026); }\n} *\/\n\n\n.i-2 {\n  border-right: 0;\n  border-top-right-radius: 0;\n  border-bottom-right-radius: 0;\n}\n\n.i-3 {\n  border-left: 0;\n  border-top-left-radius: 0;\n  border-bottom-left-radius: 0;\n}\n\n #product-comparison-box {\n        border: 2px solid #232320;\n        box-shadow: 4px 6px 0 0 #232320;\n        border-radius: 1rem;\n        margin-bottom: 16px;\n        width: 99%;\n  }\n\n@media (max-width: 800px) {\n   #product-comparison-box {\n        flex-direction: column;\n        align-items: center;\n        border: 2px solid #232320;\n        box-shadow: 4px 6px 0 0 #232320;\n        border-radius: 1rem;\n        width: 85% !important;\n        padding: 0 0 10px 0 !important;\n        \n  }\n\n  .luna-card--shadow {\n      margin-right: 0;\n  }\n \n\n  .comparisonPick-item {\n    width: 100% !important;\n    border:none;\n    box-shadow:none;\n    border-bottom-left-radius: 1rem;\n    border-bottom-right-radius: 1rem;\n\n  }\n  .container-reviewComparison {\n    padding: 0 !important;\n    }\n\n  .i-1{\n    box-shadow: 4px 6px 0 0 #232320;\n    border-bottom: 1px solid #232320;\n  }\n\n  \/* Reset desktop connected-card styles *\/\n  \/* .i-1 {\n    background-color: #fff;\n    margin-left: 0 !important;\n  } *\/\n\n  .i-2 {\n    border-right: revert;\n    border-top-right-radius: revert;\n    border-bottom: 1px solid #232320;\n  }\n\n  .i-3 {\n    border-left: revert;\n    border-top-left-radius: revert;\n    border-bottom-left-radius: revert;\n  }\n}\n\n\np {\n white-space:normal\n}\n\n.pick {\n    margin-top: 0.3em;\n    margin-bottom: 0.3em;\n}\n\n.luna-card__topPick {\npadding-top: 0.5em !important;\npadding-bottom: 0.5em !important;\npadding-left: 0.5em !important;\npadding-right: 0.5em !important;\n  overflow: visible !important;\n\n}\n\n.container-reviewComparison {\n  width: 100%;\n  height: auto;\n  white-space: nowrap;\n\n}\n\n.flex-object {\n  display: flex;\n  flex-wrap: nowrap; \n  overflow: auto;\n}\n\n.flex-item-1 {\n  flex: 0 0 auto;\n}\n@media (min-width: 801px) {\n  .comparisonPick-item {\n    \/\/margin: 0px !important; \n    width: calc(96% \/ 3) !important;\n    overflow: visible !important;\n  } \n\n  .i-1 {\n  box-shadow: 4px 6px 0 0 #232320 !important;\n  border: 2px solid #232320 !important;\n  border-left: 0 !important;\n  border-top: 0 !important;\n}\n  .luna-card{\n    margin-bottom: 0;}\n  .luna-card--shadow {\n    border: none;\n    box-shadow:none;\n\n}\n\n}\n\n\n\/* @media (max-width:801px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 70% !important;\n}\n} *\/\n\n\/* @media (max-width:481px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 85% !important;\n} *\/\n\n#product-comparison-box { overflow: visible; }\n.outer-container { overflow: auto; }\n\n}\n<\/style>\n \n\n    \n            \n    \n\n\n        \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                        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         \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                        \n        \n                        \n        \n                \n        \n    \n\n<div class=\"outer-container\">\n    <div id=\"product-comparison-box\" class=\"container-reviewComparison flex-object\">\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-1\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/68557d968728e.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.5<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7\" data-product-name=\"Spring Financial Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Spring Financial\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Spring Financial\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/spring-financial-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7%22%2C%22product_name%22%3A%22Spring%2BFinancial%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2219898%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%221080716%22%2C%22post_path%22%3A%22personal-loans%252Fkizzo-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $35,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        6 - 84 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                9.99% - 34.95%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-2\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 7554d6fa-1e55-4921-b9ca-3455c3e4ae14\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.6<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"7554d6fa-1e55-4921-b9ca-3455c3e4ae14\" data-product-name=\"Loans Canada Installment Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Loans Canada\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Loans Canada\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loans-canada-installment-loan-ca-personal-loan-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227554d6fa-1e55-4921-b9ca-3455c3e4ae14%22%2C%22product_name%22%3A%22Loans%2BCanada%2BInstallment%2BLoan%22%2C%22offer_id%22%3A%2217711%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%221080716%22%2C%22post_path%22%3A%22personal-loans%252Fkizzo-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $50,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        4 - 60 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                8.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-3\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 7fd7d7fc-e864-45a9-b585-bfadfd222da4\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.8<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"7fd7d7fc-e864-45a9-b585-bfadfd222da4\" data-product-name=\"LoanConnect Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"LoanConnect\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to LoanConnect\" rel=\"sponsored\" target=\"_blank\" 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%22nb-product%22%2C%22product_id%22%3A%227fd7d7fc-e864-45a9-b585-bfadfd222da4%22%2C%22product_name%22%3A%22LoanConnect%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2215388%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%221080716%22%2C%22post_path%22%3A%22personal-loans%252Fkizzo-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $60,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        3 - 120 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                8.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n            <\/div>\n<\/div><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=\"http:\/\/finder.com\/ca\/personal-loans\/bad-credit-personal-loans\/\" style=\"text-decoration:underline; font-size:0.9em;\">Bad credit personal loans<\/a>\n<\/div>\n<\/article><h3>What are Kizzo\u2019s interest rates?<\/h3><p>Kizzo loans have an APR of 31.99%. The maximum criminal loan interest rate in Canada is 35% APR, so it\u2019s worth noting that Kizzo loans are quite expensive.<\/p><p>Let\u2019s say you take out a $5,000 loan with a 3-year repayment period:<\/p><ul><li>Your monthly payment will be $218.90.<\/li><li>The total cost to repay the loan will be $7,880.40.<\/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\/personal-loan-interest-rates-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Personal loan rates in Canada<\/a>\n<\/div>\n<\/article><h3>Summary of reviews for Kizzo<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Platform<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Trustpilot reviews<\/td><td>4.2\/5 stars based on 7 reviews (Kizzo)<\/td><\/tr><tr><td>BBB reviews<\/td><td>2\/5 stars based on 1 review (Fig Financial)<\/td><\/tr><tr><td>BBB rating<\/td><td>A (Fig Financial)<\/td><\/tr><tr><td>BBB accreditation<\/td><td>Yes (Fig Financial)<\/td><\/tr><\/tbody><\/table><p><small>As of June 8, 2026<\/small><\/p><h4>What do Kizzo reviews say?<\/h4><p>As Kizzo is a relatively new offering, there are limited customer reviews for the lender. People who left positive reviews for Kizzo on Trustpilot commented on the quick, easy and straightforward loan application process, though one reviewer also mentioned the high cost of borrowing.<\/p><p>It\u2019s also worth noting that Fig Financial, the fintech behind Kizzo, has an average Trustpilot rating of 4.8\/5 from over 1,200 reviews. Reviewers commonly mention the simple application process, fast approvals and helpful customer service.<\/p><h3>Do you qualify?<\/h3><p>To be eligible for a Kizzo loan, you will need to:<\/p><ul><li>Be a resident of Canada<\/li><li>Be the age of majority in your province or territory<\/li><li>Have a steady source of income (Kizzo says this can come from employment or other \u201csteady deposits\u201d into your bank account\u2014part-time, self-employed and contract or gig work income are all accepted)<\/li><li>Have an active Canadian bank account in your name<\/li><li>Not currently have an active Fig or Kizzo loan<\/li><li>Not have been declined by Fig or Kizzo in the last 30 days<\/li><\/ul><p>Not sure if you qualify? You can complete an online application to check, and it won\u2019t impact your credit score.<\/p><h3>How do you apply?<\/h3><ol><li>Head to the Kizzo website to start an online application.<\/li><li>Provide your personal and contact details along with information about your financial situation, income and employment.<\/li><li>Upload a valid, government-issued photo ID to confirm your identity.<\/li><li>Connect your bank account to verify your income and financial activity.<\/li><li>Review your loan agreement, and if you\u2019re satisfied with the offer, submit your application.<\/li><li>You will receive an immediate decision.<\/li><li>If your application is approved, the funds will be deposited directly into your bank account. Funds are usually received within 2 business days.<\/li><\/ol><h3>What to expect once you\u2019ve received your loan funds<\/h3><p>Your loan agreement will explain all the key details of your repayments, including:<\/p><ul><li>Your payment amount<\/li><li>Your payment frequency (weekly, bi-weekly or monthly)<\/li><li>The date of your first payment and your final payment<\/li><\/ul><p>On your scheduled payment dates, the money will be automatically withdrawn from your bank account. With this in mind, make sure you have enough money in your account on each agreed-upon date to avoid being hit with an NSF fee.<\/p><p>You will receive payment reminders by email, but if you miss a payment, Kizzo says you may have a short grace period during which you can still make your payment before any fees apply. A late fee may apply if your payment is not received by Kizzo during the grace period.<\/p><p>You will also have access to Kizzo\u2019s loan management platform. Log in to your account to:<\/p><ul><li>Check your payment schedule and upcoming payment dates<\/li><li>Check your outstanding balance and repayment progress<\/li><li>Update your bank account details<\/li><\/ul><p>Finally, it\u2019s worth noting that Kizzo reports your payment history to the credit bureaus. So if you miss a payment, this could hurt your credit score. If you think you will struggle to make a payment on time, you can email Kizzo\u2019s support team to find out what options you have.<\/p><h3>Bottom line<\/h3><p>Kizzo may be worth a look if you need a personal loan but don\u2019t meet the strict eligibility criteria of traditional lenders. It offers fast loans, an easy application process and flexible repayments.<\/p><p>But while Kizzo loans are cheaper than payday loans, they still come with high APRs, so make sure you\u2019re aware of the total cost of borrowing before you take out a loan.<\/p><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\">I applied for a Fig loan and got redirected to Kizzo. What happened?<\/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>Fig and Kizzo are loan products from the same lender, but they have different underwriting criteria. Kizzo is designed to offer an alternative loan option for people who do not meet the credit score and financial requirements to qualify for a Fig loan. So if you've been redirected to Kizzo, you may be eligible for a loan from Kizzo.<\/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 happens if my Kizzo loan application is declined?<\/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>If your application is not approved, it means you're not eligible for a Kizzo loan. However, this won't affect your credit score, as Kizzo does not carry out a hard credit check when assessing your initial application. You may also have the option to re-apply with Kizzo after 32 days if you believe a change in your circumstances may now make you eligible for a loan.<\/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 I pay my Kizzo loan off early?<\/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>Yes, you can pay your loan off early. Kizzo offers open loans, so you can make extra payments or pay your total loan balance off at any time. There are no fees or prepayment penalties if you pay your loan back ahead of schedule.<\/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\">What is the minimum amount I can borrow?<\/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>Kizzo's minimum loan amount is $2,000.<\/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-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Does Kizzo charge any fees?<\/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>You will pay interest on the money you borrow from Kizzo, as loans have a fixed APR of 31.99%. Kizzo does not charge any loan origination or admin fees, but an NSF fee of $45 applies if you are unable to make a payment due to insufficient funds in your account. Late payment fees also apply, with the fee amount specified in your loan agreement.<\/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><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_694736311\" data-toggle=\"collapse\" data-target=\"#sources_694736311\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_694736311\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.bbb.org\/ca\/on\/toronto\/profile\/consumer-finance-companies\/fig-financial-inc-0107-1412039\" target=\"_blank\">Better Business Bureau:Fig Financial Inc.<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/kizzo.ca\/en\" target=\"_blank\">KIZZO<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/loans\/personal-loans.html\" target=\"_blank\">Canada.ca: Personal loans<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>We explore the reasons why you should, and why you shouldn\u2019t consider a Kizzo personal loan.<\/p>\n","protected":false},"author":516,"featured_media":1080812,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"kizzo","_yoast_wpseo_title":"Kizzo Review: Is It Legit? | Finder Canada","_yoast_wpseo_metadesc":"Kizzo offers online personal loans to borrowers with less-than-perfect credit. Learn about Kizzo\u2019s rates, fees, terms, and pros and cons here.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","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,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"1000","post_editor_date":"","post_author_date":"2026-07-03T01:11:32","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-07-16 18:48:06\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[407],"tags":[],"asset_tag":[],"class_list":["post-1080716","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 v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Kizzo Review: Is It Legit? | Finder Canada<\/title>\n<meta name=\"description\" content=\"Kizzo offers online personal loans to borrowers with less-than-perfect credit. 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