urLoan is an online marketplace for unsecured loans ranging from $500 up to $30,000. Our goal is to provide Canadians with personal loan offers that work on their terms.
urLoan is available across Canada, except for Quebec.
We look after our customers with the urLoan Guarantee. If you are declined for a loan, our partners at Climb, will provide you with a Free Personalized Credit Prescription to help get your finances back on track and make getting approved more likely.
Applying for a loan via the urLoan application is a hard pull and will be reflected on your credit bureau. This is to ensure our lenders can provide you with the most competitive rates and terms.
Permanent Resident of Canada Over age of 18
Active bank account for 90 days
Minimum Six months at your employer
Regular employment income of over $1,500 net pay / month
Have not filed for bankruptcy, a Proposal, or credit counselling
In most cases payment terms are between 6 months and 36 months. Payments will be automatically debited from your bank account on your pay periods (weekly, bi-weekly, semi-weekly, or monthly in some cases).
urLoan is continuously working to identify lenders who offer competitive personalized loans. Currently, our premier lender is Fairstone, one of Canada’s leading non-bank lenders of secured and unsecured personal loans. Fairstone is focused on helping Canadians get the money they need when they need it.
The application takes approximately 10-15 minutes to complete.
Once you submit an application on URLOAN.com, you can reapply for a loan after a period of 60 days.