01 / Clarity
Total transparency
See your full repayment plan before you sign. Every fee, every cent.
LoanHero approvals now live in 12 states
Loans, made
refreshingly simple.
Up to $50,000 with rates you can read in one breath, decisions in seconds, and zero paperwork.
Soft credit checkNo impact on your scoreDecision in 37 seconds
Your rateLocked
7.4%APR
Fixed for 36 months
Approved · 37 sec
$24,000
Funds arrive tomorrow
Monthly
$748.20
Total interest
$2,935
4.9average rating
“Honestly the easiest financial thing I've done all year.”
Verified · Trustpilot
- 240k+
- Borrowers funded
- $1.8B
- Lent to date
- 37s
- Avg. decision
- 4.9★
- Trustpilot rating
Powering the next generation of Canadian lending
Plaid
Stripe
Equifax
TransUnion
Interac
Why e-loan
Built around the borrower, not the bank.
Six promises we hold ourselves to — written into our product, our pricing, and the way we treat the people who choose us.
02 / Speed
Decisions in seconds
Smart underwriting reviews your application instantly — most know in under a minute.
03 / Care
Human support
Real advisors, not bots. One tap away if life throws a curveball.
04 / Safety
Soft credit check
Check your rate without affecting your credit score. Zero risk to look around.
05 / Delivery
Funds in 24 hours
Once approved, money lands in your account the next business day — often sooner.
06 / Loyalty
Reward good habits
Pay on time and we lower your future rates. Borrowing should help you grow.
How it works
Three steps. Zero stress. No paperwork.
- 12 min
Tell us about you
Answer a few simple questions. No documents to upload.
- 230 sec
Get your offer
Personalized rate and full schedule. Soft credit check only.
- 324 hrs
Receive your funds
Accept your offer and money lands in your account next day.
Real-life uses
One loan. Endless reasons.
Hover or tap a category to see what borrowers are doing with e-loan today.
Most popular
Consolidate debt
Roll high-interest cards into one fixed monthly payment you can actually plan around.
Avg. APR drop
−9.4%
· Live numbers
Proof that scales.
Independently audited. Updated monthly. No marketing math.
$3,847
Avg. annual savings
+12% YoY
37s
Median decision time
Industry: 3 days
94%
Would recommend us
12.4k surveys
240k+
Borrowers funded
Across 12 states
$1.8B
Originated to date
Since 2021
0
Hidden fees, ever
Audited yearly
Built on trust
Your money deserves a partner you can verify.
We publish our lending policies, our rate ranges, and our default rates publicly. Because trust isn't a slogan — it's a receipt.
FDIC-insured partner banks
Your funds are held with federally insured institutions.
256-bit AES encryption
The same security standard used by major banks.
Licensed in every state we serve
NMLS #1234567 — fully regulated and audited.
Backed by tier-1 capital
Funded by the same investors trusted by Stripe and Plaid.
Real borrowers
Trusted by 240,000+ people who've stopped fearing the word “loan.”
“I was dreading the loan process. e-loan made it feel like ordering takeout — clear, fast, and honest about the cost.”
Maya Chen
Designer, Brooklyn
$12,400
Borrowed
6.9%
APR
“Consolidated debt twice with e-loan. Both times the rate was lower than my bank quoted.”
“I knew the exact total I'd pay before I signed anything. Zero surprises.”
Money, demystified
Smart reads before you borrow.
Questions, answered
Everything you wanted to ask — without the fine print.
01
Rates & credit
02
Loans & limits
03
Payments & support
Ready to experience better lending?
Check your rate in under a minute with zero impact on your credit score. Join 240,000+ Canadians who've chosen a fairer way to borrow.
No hidden fees
Next-day funding
Soft credit check