{"id":758309,"date":"2018-12-16T18:59:27","date_gmt":"2018-12-16T23:59:27","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=758309"},"modified":"2025-10-28T16:20:57","modified_gmt":"2025-10-28T20:20:57","slug":"ottawa-personal-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/ottawa-personal-loans","title":{"rendered":"Compare personal loans in Ottawa"},"content":{"rendered":"<h3>What are the best personal loans in Ottawa?<\/h3><p>The best personal loans depend on your financial situation. If you have good to excellent credit, CIBC, Innovation Credit Union and BMO are highly rated financial institutions based on our Finder Score. If you have bad credit, the top choices include Spring Financial, Loans Canada, LoanConnect and easyfinancial.<\/p><h3>Features of personal loans<\/h3><ul class=\"list-9\"><li><b>Loan terms:<\/b> 3 \u2013 60 months<\/li><li><strong>Loan amounts:<\/strong> $500 &#8211; $50,000<\/li><li><strong>Interest rates: <\/strong>6.99% to 35%<\/li><li><strong>Maximum interest:<\/strong> 35% APR<\/li><li><strong>Types of loans:<\/strong> Secured or unsecured; fixed rate or variable rate<\/li><\/ul><h3>Types of personal loans<\/h3><ul class=\"list-1\"><li><strong>Secured.<\/strong> <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/secured-loans-canada\">Secured personal loans<\/a> in Ottawa involve some sort of collateral, such as your investments or house, that acts as insurance to your lender in case you default. They are a common way to get approved for a personal loan, especially if you want to borrow a large amount, have a lower credit score or want the lowest rate. Lenders prefer houses as collateral (a &#8220;home equity loan&#8221;).<\/li><li><strong>Unsecured. <\/strong><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/unsecured-loans-canada\">Unsecured personal loans<\/a> don&#8217;t require any collateral and come with higher interest rates than secured loans since the lender is taking on more risk.<\/li><li><strong>Fixed rate<\/strong><strong>.<\/strong> If you prefer a predictable repayment plan, fixed-rate personal loans will lock in your interest rate at the beginning of your loan term, and your payments will stay consistent.<\/li><li><strong>Variable rate<\/strong><strong>.<\/strong> With this loan, your interest rate will shift with the markets. Your payment amount will generally stay the same, but more will be allocated towards either the interest or principal, depending on whether your rate goes up or down.<\/li><\/ul><h3>Where to get personal loans in Ottawa<\/h3><p>Below is a breakdown of the different types of lenders that operate in Ottawa.<\/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\">Banks<\/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\"><p>This is the most traditional way to get a personal loan. Bank personal loans have competitive interest rates, but they also have strict eligibility requirements, and the process is more involved. If you have bad credit, you may have to rule out banks in your search for a personal loan.<\/p><p>A personal loan from a bank takes a few days to a few weeks, from the application submission to funding.<\/p><\/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\">Credit unions<\/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\"><p>Just like banks, credit unions can offer <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/low-interest-personal-loan\">low-interest loans<\/a> in Ottawa. However, you may need to get a membership in order to access their products, and you also need to have good to excellent credit.<\/p><p>A personal loan from a credit union takes a few days to a few weeks.<\/p><\/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=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Online lenders<\/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\"><p>Online lenders have more flexible lending criteria than banks and credit unions. They are a solid option if you have fair or bad credit or if you want to compare loan offers across the different types of lenders.<\/p><p>Online personal loans in Ottawa take one to two business days.<\/p><\/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\">Peer-to-peer lenders<\/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\"><p>Peer-to-peer lenders are everyday Canadian investors who can fund your personal loan. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/gopeer-personal-loans-review\">goPeer<\/a> is an example of a peer-to-peer lending platform. To qualify, you&#8217;ll need a good credit score, and if your finances are strong enough, you may be able to secure an interest rate that is lower than a bank&#8217;s.<\/p><p>A peer-to-peer personal loan takes a few days to a few weeks.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>What rates and fees can I expect with a personal loan in Ottawa?<\/h3><p>Personal loan rates in Ottawa are 6.99% &#8211; 35%. How much you&#8217;ll be charged will depend on your personal factors.<\/p><p>Focus on the annual percentage rate (APR), which is your interest rate plus mandatory fees you&#8217;ll pay to get the loan. These fees can drive up the cost of your loan if your lender charges them (not all of them do).<\/p><ul class=\"luna-accordionGroup accordionGroup\"><div class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h4>Comparing providers<\/h4><p>Interest rates depend on your credit history as well as what type of loan you&#8217;re taking out (secured or unsecured) and the type of lender you borrow from. The example below illustrates the overall cost of <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/5000-loans\">a $5,000 loan<\/a> over a 36-month term with four different providers.<\/p><table class=\"table custom-table js-custom-table\"><tbody><tr><th scope=\"col\">Lender<\/th><th scope=\"col\">Interest rate<\/th><th scope=\"col\">Monthly amount<\/th><th scope=\"col\">Total cost<\/th><\/tr><tr><td>Credit union<\/td><td>7.84%<\/td><td>$156.31<\/td><td>$5,627.27<\/td><\/tr><tr><td>Bank<\/td><td>11.99%<\/td><td>$166.05<\/td><td>$5,977.72<\/td><\/tr><tr><td>Online lender<\/td><td>19.99%<\/td><td>$185.79<\/td><td>$6,688.53<\/td><\/tr><tr><td>Peer-to-peer lender<\/td><td>9.5%<\/td><td>$160.16<\/td><td>$5,765.93<\/td><\/tr><\/tbody><\/table><p>In this example, a credit union is the least expensive option. This is why it pays to compare a number of different options before settling on a provider.<\/div><\/div><h3>Can you get bad credit loans in Ottawa?<\/h3><p>Yes, but watch out for high interest rates. Lenders of bad credit loans in Ottawa charge more because they&#8217;re taking on more risk to lend money.<\/p><p>Types of bad credit loans you can get in Ottawa include personal loans and payday loans. Personal loans have lower APRs, longer loan terms and higher loan amounts. <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-ottawa\">Payday loans in Ottawa<\/a> are easier and quicker to get, but they have much higher APRs, and you&#8217;ll need to repay the loan in full by your next payday.<\/p><h3>Tips to get approved for bad credit loans in Ottawa<\/h3><p>To maximize your chances of approval for bad credit personal loans in Ottawa, you&#8217;ll need the following:<\/p><ul class=\"list-1\"><li><strong>Have minimal NSF transactions.<\/strong> Your bank account must have little to no NSF transactions in the last two to three months.<\/li><li><strong>Have room in your budget.<\/strong> You must show the lender, through your current income and debt payments, that you have room to take on a bad credit loan. The lender will verify this by checking your bank statements.<\/li><li><strong>Have no payday loan debt. <\/strong>Having payday loan debt will lower your chances of approval.<\/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\/personal-loans\/best-bad-credit-personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Best bad credit loans<\/a>\n<\/div>\n<\/article><h3>Can you get loans in Ottawa with no credit check?<\/h3><p>You can, but expect to pay high interest rates and make sure you&#8217;re applying to a legitimate lender. Scammers use &#8220;no credit check&#8221; to steal an applicant&#8217;s information, while predatory lenders use it to get you to take out a loan you can&#8217;t afford.<\/p><p>If a loan offer sounds too good to be true, it may not be legitimate.<\/p><h3>What can I use a personal loan for?<\/h3><p>Canadians use personal loans to cover a host of unforeseen or large expenses, including <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/home-improvement-loans\">home renovations<\/a> and <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/car-repair-loans\">car repairs<\/a>. Some also use personal loans to <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-consolidation-loans\/best-debt-consolidation-loans\">consolidate debts at a lower rate<\/a>. Also, personal loans are frequently used to help borrowers build their credit scores, particularly if the lender reports on-time payments to the credit bureaus.<\/p><p>If you want to take out a personal loan, only borrow as much as you&#8217;ll be able to repay in full by the deadline. You should always try to make your payments on time to avoid late payment fees and NSF fees, and make sure to communicate with your lender in advance if you think you&#8217;ll have trouble making your payments. If you default, your loan will be sent to collections, and you will receive a negative mark on your credit score, which can stay there for up to seven years.<\/p><h3>How to find the best installment loans in Ottawa<\/h3><p>With so many options, how do you decide which loan to get? Here are some questions to ask yourself.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><\/ul><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\">What is the interest rate?<\/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\"><p>Compare APRs between lenders to make sure you&#8217;re securing a loan at a competitive rate. Personal loans in Ottawa for bad credit are typically 18% &#8211; 35%. On other hand, if your financial situation is strong, you can get rates from 6.99%.<\/p><\/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\">Am I eligible?<\/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\"><p>Lenders have minimum credit score and income requirements, and some don&#8217;t service certain provinces or territories. Before applying, make sure you meet the requirements and that the lender offers personal loans in Ottawa.<\/p><\/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=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Are there any extra fees or charges?<\/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\"><p>Fees can add unnecessary costs to your loan. You should aim to watch out for hidden fees and charges in your contract so that you&#8217;ll know what extras you&#8217;ll need to pay for before you sign up. If you have good credit, the fees to watch out for are late payment fees and NSF fees. If you have bad credit, fees to watch out for with bad credit loans in Ottawa are late payment fees, origination fees, NSF fees, broker fees, credit monitoring fees and surety fees (which is like a security deposit).<\/p><\/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\">What loan term fits my budget?<\/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\"><p>The length of your loan term and how much money you can allocate to your loan repayments are important factors to consider. You&#8217;ll want to get the shortest loan term possible while still being able to manage the payments. The shorter the term, the less interest you pay overall.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>How do I apply?<\/h3><p>You can typically apply for a personal loan either in person or online. If you decide to borrow online, you can submit an application in as little as five minutes. Some lenders give approval and funding within 24 hours, while others take longer.<\/p><p>Before applying, be sure you meet the eligibility requirements and gather the necessary documents.<\/p><h4>Eligibility requirements<\/h4><ul class=\"list-1\"><li>Be at least 18 years of age.<\/li><li>Be a Canadian citizen or a permanent resident with a permanent address.<\/li><li>Have a regular income.<\/li><li>Have a working bank account.<\/li><\/ul><h4>Required documents<\/h4><p>You may be asked to produce the following documents:<\/p><ul class=\"list-1\"><li>Valid form of ID<\/li><li>Pay stubs<\/li><li>Bank statements<\/li><\/ul><p>If you apply via <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bank-verification-loans\">instant bank verification<\/a>, you won&#8217;t need to send documents.<\/p><h3>How can I tell if a lender in Ottawa is legit?<\/h3><p>There are some tell-tale signs you can look for to make sure a lender is legitimate and can provide loans in Ottawa, Ontario:<\/p><ul class=\"list-4\"><li><strong>The lender is registered. <\/strong>Visit <a href=\"https:\/\/beta.canadasbusinessregistries.ca\/search\" target=\"_blank\" rel=\"noopener\">Canada&#8217;s business registry<\/a> to check whether the lender is a registered business.<\/li><li><strong>The lender can be contacted easily. <\/strong>The lender provides its address, phone number and email on its website.<\/li><li><b>The lender has an online presence. <\/b>Check consumer review sites like the Better Business Bureau and Trustpilot to see what existing customers have to say about the lender.<\/li><\/ul><div class=\"box has-shadow\"><h3>Watch out for unlicensed lenders<\/h3><p>Taking out a personal loan can be a viable solution to a short-term financial problem, but it&#8217;s important to be aware of the risks associated with borrowing from unlicensed lenders:<\/p><ul class=\"list-3\"><li><strong>Illegally high interest rates or fees. <\/strong>If you&#8217;re being charged more than 35% APR on your personal loan, then it&#8217;s likely you&#8217;re dealing with an unlicensed lender.<\/li><li><strong>Identity theft.<\/strong> Be wary of lenders that ask for excessive personal information or seem a little off for whatever reason. Many unlicensed and online lenders have been known to steal customers&#8217; personal information to sell to third parties, which could potentially lead to identity theft or a hacked bank account.<\/li><li><strong>Funds taken from your bank account without your permission.<\/strong> Lenders that don&#8217;t play by the rules are more likely to break provincial and federal laws, including withdrawing money from borrowers&#8217; bank accounts if they&#8217;re unable to make repayments.<\/li><\/ul><p>Unlicensed lenders can operate out of the province or even outside of Canada, making it difficult for Ontario to prosecute them. That&#8217;s why it&#8217;s so important to make sure your lender is licensed to operate in Ottawa before you borrow.<\/p><\/div><h4>How to file a complaint against a lender<\/h4><div class=\"mwsbodytext text parbase section\"><p>If you want to file a complaint against a lender, you can send a preliminary letter of complaint to the business. If they fail to respond, you can contact Consumer Protection Ontario, which will act on your behalf to contact the lender. If Consumer Protection Ontario finds that your lender violated provincial law, it could take legal action against the business. This includes revoking its license, slapping it with a penalty, and even filing a civil action to get a settlement for customers if the lender is facing numerous complaints.<\/p><h3>Personal loan alternatives in Ottawa<\/h3><p>If you&#8217;re feeling overwhelmed with unexpected expenses and can&#8217;t seem to get your head above water, a personal loan might not be the right option for you. Check out some of these low-cost alternatives before you head to your nearest lender.<\/p><h4>Ottawa assistance programs<\/h4><p>Ontario has some programs that can help lower the costs of everyday expenses for some residents and newcomers who are struggling to make ends meet.<\/p><ul class=\"list-11\"><li><b>Child benefit<\/b> provides low-income families with financial assistance to cover expenses like medical bills, food, rent and utility bills.<\/li><li><strong>Ontario Works<\/strong> can provide you with money and help you find a job during temporary financial difficulties.<\/li><li><strong>Resettlement Assistance Program<\/strong> provides financial assistance to refugees and protected persons for accommodations, essential clothing, household effects and living expenses.<\/li><li><strong>Income Assistance Program<\/strong> provides funding to First Nation communities to help their eligible members meet basic needs, such as food, clothing and shelter.<\/li><li><strong>Disability Income Support<\/strong> helps people with disabilities who are in financial need pay for living expenses, like food and housing.<\/li><\/ul><h4>Credit counselling<\/h4><p>If you&#8217;re caught in a cycle of debt and can&#8217;t seem to keep your head above water, then you might like to consider a credit counselling program. These not-for-profit programs are designed to help low-income residents stay afloat while helping to manage and consolidate their debts.<\/p><h3>Bottom line<\/h3><p>If you find yourself in need of a personal loan, compare different lenders to find the best deal. Be wary of unlicensed lenders and know your rights before you accept the conditions of your loan. If you don&#8217;t think you can afford the repayments, consider a different financing option.<\/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;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Have time? Compare 45+ personal loans<\/a>\n<\/div>\n<\/article><h3>Frequently asked questions<\/h3><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\">Can I get a personal loan in Ottawa if I'm unemployed?<\/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\"><p>You could, although it&#8217;ll depend on the lender, and you&#8217;ll need some form of income. You might be able to get approved for a loan if you receive a pension, disability, social security or other government benefits because many lenders consider these to be a type of regular income. You will have more trouble securing a loan if you don&#8217;t have any money coming in at all. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/loans-dont-require-employment-verification\">Learn more about loans with no employment verification.<\/a><\/p><\/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\">How long does it take to get approved for a personal loan in Ottawa?<\/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\"><p>Depending on the lender, you may be able to receive your loan as soon as the next business day if you apply online. Some lenders may even be able to get you your money the same day, while banks and credit unions may take a few days to a few weeks to approve and disburse your loan funds.<\/p><\/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=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">Can I get a loan in Ottawa with guaranteed approval?<\/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\"><p>No. Legitimate lenders must review your finances before giving approval. Be wary of &#8220;guaranteed approval&#8221; offers because they could be a scam, predatory or have fine print that actually doesn&#8217;t make them guaranteed. However, there are loans available with easy approval and funding.<\/p><\/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\">Where can I get a small loan in Ottawa?<\/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\"><p>Lenders that operate online can offer small loans. If you need less than $1,000 or even $3,000, you may have a difficult time getting a loan from a bank or credit union.<\/p><\/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=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Can a lender have me arrested if I don't repay the loan?<\/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\"><p>Not exactly. Lenders can sue for damages if you don&#8217;t repay your loan, but this won&#8217;t result in your arrest.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" 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><\/div><style>\n  \/* Modal Container *\/\n  .fenceModal {\n      justify-content: center;\n      outline: 0;\n      position: absolute;\n      z-index: 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