{"id":758323,"date":"2018-12-18T18:03:14","date_gmt":"2018-12-18T23:03:14","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=758323"},"modified":"2025-05-22T16:30:28","modified_gmt":"2025-05-22T20:30:28","slug":"nova-scotia-personal-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/nova-scotia-personal-loans","title":{"rendered":"Compare personal loans in Nova Scotia"},"content":{"rendered":"<p>If you need access to money in a hurry, a personal loan can provide you with anywhere from $500 &#8211; $50,000. They can be used for any legitimate purpose, from paying for car repairs to covering unpaid bills. But before applying, you&#8217;ll need to compare your personal loan options to find the best deal for your needs.<\/p><h3>Are personal loans legal in Nova Scotia?<\/h3><p>Personal loans are legal in Nova Scotia, and lenders can legally charge up to 35% APR.<\/p><p>Here are the basic features of personal loans in Nova Scotia:<\/p><ul class=\"list-9\"><li><strong>Interest rates: <\/strong>6.99% &#8211; 35%<\/li><li><b>Loan terms:<\/b> 3 \u2013 60 months<\/li><li><strong>Loan amounts:<\/strong> $500 &#8211; $50,000<\/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> Secured personal loans involve using an asset you own, such as your house or investments, as collateral. They tend to have lower interest rates because you reduce the lender&#8217;s risk by offering collateral. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/secured-loans-canada\">Learn more about secured personal loans.<\/a><\/li><li><strong>Unsecured.<\/strong> As the name suggests, an <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/unsecured-loans-canada\">unsecured personal loan<\/a> does not involve collateral. They tend to have higher interest rates than secured personal loans.<\/li><li><strong>Fixed rate.<\/strong> With this loan, you get a fixed interest rate, which means your payments stay consistent throughout the loan term.<\/li><li><strong>Variable rate.<\/strong> This loan&#8217;s interest rate fluctuates with the markets, which impacts your repayments.<\/li><\/ul><h3>Where do I find personal loans in Nova Scotia?<\/h3><ul class=\"list-1\"><li><strong>Banks.<\/strong> Banks are a solid option for borrowers with good to excellent credit. They usually offer the best interest rates but tend to have a more involved application process. It takes a few days to a few weeks to get a personal loan from a bank.<\/li><li><strong>Credit unions.<\/strong> Like banks, credit unions offer competitive interest rates. However, you might need to become a member in order to apply for a loan. It takes a few days to a few weeks to get a personal loan from a credit union.<\/li><li><strong>Online lenders.<\/strong> Online lenders are faster to fund loans than banks and credit unions. You can get an online personal loan within 24 to 48 hours. This group tends to be your best bet if you have bad credit \u2013 or no credit at all \u2013 as they have more flexible lending criteria. <a href=\"#comparison-table\" rel=\"noopener\">Compare online lenders now.<\/a><\/li><li><strong>Peer-to-peer lending platform.<\/strong> With a peer-to-peer lending platform, your loan is funded by everyday Canadian investors, and you may be able to get a lower interest rate than what you get from banks if your finances are strong. A peer-to-peer personal loan takes a few days to a few weeks.<\/li><\/ul><h3>How to compare personal loans<\/h3><p>Keep these factors in mind when you&#8217;re searching for a personal loan:<\/p><ul class=\"list-7\"><li><strong>Amount.<\/strong> Loan amount varies from lender to lender. Some max out at $10,000, while others max out at $50,000. Banks and credit unions can fund larger loan amounts than online lenders or peer-to-peer lenders.<\/li><li><strong>Loan term.<\/strong> Loan term usually ranges from 3 \u2013 60 months, sometimes longer. The longer the loan term, the more interest you pay overall.<\/li><li><strong>Interest rates.<\/strong> Compare interest rates before agreeing to a personal loan. People with bad credit will end up paying higher interest rates. Your aim is to get the lowest interest rate possible and the shortest loan term while still being able to manage your monthly payments. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-interest-rates-canada\">Learn more about personal loan rates.<\/a><\/li><li><strong>Other fees.<\/strong> Don&#8217;t fixate solely on the interest rate. Check whether the lender charges extra fees, such as an origination fee (admin fee to process your loan), penalty charges for late payments or prepayment penalties for paying off your loan early.<\/li><\/ul><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>Lender A<\/td><td>7.84%<\/td><td>$156.31<\/td><td>$5,627.27<\/td><\/tr><tr><td>Lender B<\/td><td>11.99%<\/td><td>$166.05<\/td><td>$5,977.72<\/td><\/tr><tr><td>Lender C<\/td><td>19.99%<\/td><td>$185.79<\/td><td>$6,688.53<\/td><\/tr><tr><td>Lender D<\/td><td>9.5%<\/td><td>$160.16<\/td><td>$5,765.93<\/td><\/tr><\/tbody><\/table><p>In this example, Lender A is the least expensive option.<\/div><\/div><h3>How can I apply for a personal loan?<\/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, and may be approved almost instantly. Applying at a physical location may take a little longer. Before applying, be sure you meet the eligibility requirements and gather the necessary documents.<\/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\">Eligibility requirements<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul class=\"list-1\"><li>Be at least 19 years old.<\/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><\/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\">Required documents<\/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>You may be asked to produce the following basic details as evidence:<\/p><ul class=\"list-1\"><li>Personal details, including your name, date of birth, Social Insurance Number and a valid form of ID<\/li><li>Contact details, such as your residential address, email address and phone number<\/li><li>Details about your employment and income<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><h3>Can you get no credit check loans in Nova Scotia?<\/h3><p>It&#8217;s possible to get a no credit check loan. Instead of examining your credit, lenders will focus on your income \u2013 how much you get regularly and how stable it is. But no credit check loans often come with very steep interest rates; since lenders don&#8217;t know your credit score, they will err on the side of caution and assume it&#8217;s bad. <\/p><h3>How can a personal loan in Nova Scotia benefit me?<\/h3><p>People often use personal loans to cover unforeseen, large expenses or to consolidate high-interest debts at a lower rate.<\/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 additional charges and fees and make sure to communicate with your lender if you&#8217;re having difficulty making your payments. If you default, your loan will be sent to collections and you may receive a negative mark on your credit score which can stay there for up to seven years.<\/p><h3>How can I tell if a lender in Nova Scotia is legit?<\/h3><p>The best way to make sure a lender is legit is to check their credentials with Service Nova Scotia. Look for the following signs to make sure you&#8217;re working with a reputable business.<\/p><ul class=\"list-4\"><li><b>The lender displays a Nova Scotia licence number. <\/b>A licence is required to be displayed in-shop by the lender, and you can also contact Service Nova Scotia to check if a lender is licensed.<\/li><li><strong>It provides contracts in the language you use to speak with your lender.<\/strong> Your lender can&#8217;t provide a contract in a language you don&#8217;t speak or aren&#8217;t comfortable conversing in. If you communicate in French, the contract will need to be in French.<\/li><li><strong>It follows rate and fee regulations.<\/strong> Stay away from lenders who charge more than 35% APR.<\/li><\/ul><div class=\"box has-shadow\"><h3>Watch out for unlicensed lenders<\/h3><p>Unlicensed lenders come with their share of risks:<\/p><ul class=\"list-3\"><li><strong>Illegally high interest rates or fees. <\/strong>If you come across a lender charging more than the maximum rate allowed, steer clear.<\/li><li><strong>Identity theft. <\/strong>Online lenders might misuse your personal information, putting you at risk of identity theft or a hacked bank account.<\/li><li><strong>Funds taken from your bank account without your permission. <\/strong>Unlicensed lenders have been known to illegally withdraw money from customer&#8217;s bank accounts to help cover the cost of loan payments.<\/li><\/ul><\/div><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Sample Loan Agreement<\/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\"><div class=\"mwsbodytext text parbase section\"><p>The following information should be included in any loan agreement. Read over the agreement thoroughly to be sure you&#8217;re working with a reputable lender.<\/p><h5>The rates and fees are used as an example only.<\/h5><\/div><div class=\"table parbase section\"><div class=\"table-bravo\"><table class=\"table-bordered table custom-table js-custom-table\"><tbody><tr><th scope=\"row\">Principal Amount<\/th><td><strong>$10,000<\/strong><\/td><\/tr><tr><th scope=\"row\">Annual Interest Rate<\/th><td><strong>10.75%. <\/strong>Fixed rate per year. This interest is compounded twice per year but charged monthly.<\/td><\/tr><tr><th scope=\"row\">Annual Percentage Rate<\/th><td><strong>10.75%. <\/strong>The interest rate for a whole year (annualized) including applicable fees such as service charge, loan origination fees or administrative fees when applicable.<\/td><\/tr><tr><th scope=\"row\">Term<\/th><td><strong>5 years. <\/strong>The term of the loan is closed for the whole five years, which means that you cannot pay down more than your prepayment privilege without paying a penalty.<\/td><\/tr><tr><th scope=\"row\">Date of Advance<\/th><td><strong>July 15, 2023. <\/strong>This is the date your funds will be advanced. Interest will be calculated and charged from this date on.<\/td><\/tr><tr><th scope=\"row\">Payments<\/th><td><strong>$216.18 on the 1<sup>st<\/sup> of every month. <\/strong>Your payment is payable monthly and includes payment toward both principal and interest.<\/td><\/tr><tr><th scope=\"row\">Amortization Period<\/th><td><strong>5 years. <\/strong>Based on the current terms and conditions, your loan will take five years to pay in full.<\/td><\/tr><tr><th scope=\"row\">Prepayment Privilege<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">Prepayment Charges<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">Default Insurance<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">Other Fees<\/th><td>Returned or refused payment due to insufficient funds: <strong>$40.00<\/strong><\/td><\/tr><\/tbody><\/table><\/div><\/div>\n  <\/div>\n<\/li><\/ul><h3>How to file a complaint against a lender<\/h3><p>You can contact Service Nova Scotia to discuss your options for filing a complaint. They will typically conduct an investigation if they believe that a personal loans company has breached Nova Scotia&#8217;s consumer protection laws.<\/p><h3>Personal loan alternatives in Nova Scotia<\/h3><p>If you&#8217;re struggling to make ends meet every month, then 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>Nova Scotia assistance programs<\/h4><p>Nova Scotia has a number of programs that can provide some much-needed relief for residents and newcomers who are struggling to make ends meet.<\/p><ul class=\"list-11\"><li><b>Income assistance program <\/b>helps people in financial need with basic needs such as food, rent, utilities like heat and electricity, and clothing.<\/li><li><strong>Affordable Housing program<\/strong> provides subsidized rental housing to low-income families, seniors and individuals who cannot afford other housing options.<\/li><li><strong>Employment Support Services (ESS)<\/strong> offers career counselling advice and assistance to people who are struggling to find or maintain employment.<\/li><li><strong>Disability Support Program (DSP)<\/strong> gives support to individuals with intellectual\/physical disabilities or long term mental illness.<\/li><\/ul><h4>Credit counselling<\/h4><p>If you have an overwhelming amount of debt and aren&#8217;t sure how to reign in your finances, you might like to register for Service Nova Scotia&#8217;s Debt Assistance Program or another credit counselling program. These not-for-profit programs are designed to help low-income residents stay afloat, while managing and consolidating their debts.<\/p><h3>Bottom line<\/h3><p>If you&#8217;re looking for a fast and convenient solution to a short-term financial problem, then a personal loan might be the right fit for you. Make sure to shop around to find the best deal and consider other options if you don&#8217;t think you can meet your repayment terms. <a href=\"#comparison-table\">Compare personal loans.<\/a><\/p><h3>Have more questions about personal loans?<\/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=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Can I get a personal loan in Nova Scotia 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=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You could, although it&#8217;ll depend on the lender \u2013 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=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How long does it take to get approved for a personal 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=\"accordion0000000004\" 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 approve and disburse your loan funds. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/emergency-loans\">Learn more about emergency loans.<\/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=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\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=\"accordion0000000005\" 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>","protected":false},"excerpt":{"rendered":"<p>Compare personal loans in Nova Scotia for all credit scores.<\/p>\n","protected":false},"author":474,"featured_media":758500,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/nova-scotia-personal-loans","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[407],"tags":[5439],"asset_tag":[],"class_list":["post-758323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans","tag-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Loans in Nova Scotia | Fast Approvals | Finder Canada<\/title>\n<meta name=\"description\" content=\"Compare personal loans in Nova Scotia for good and bad credit. Apply online and get your money as soon as today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/nova-scotia-personal-loans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare personal loans in Nova Scotia\" \/>\n<meta property=\"og:description\" content=\"Compare personal loans in Nova Scotia for good and bad credit. 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