Specialized support, when you need it.
To make the process simple, we partner with a specialized third-party service that helps facilitate cosigner support when it may be needed.
♠ ♥ ♦ ♣
Online personal loans
without the wait.
Apply online for a personal loan from $250 to $1,250 through a fully digital process. Complete your eligibility review in minutes and receive funds quickly after approval.
No credit score impact
Takes 5 minutes
100% secure
A commitment recognized by our clients
CANADIAN LENDERS
ASSOCIATION CLA VERIFIED LENDER
ASSOCIATION CLA VERIFIED LENDER
90%
of our clients are satisfied
with their experience*
12k+
customers borrow
from us
*Data from an independent annual customer satisfaction survey (December 2024)
♠ Loan calculator
Estimate your payment
Weekly
$62
Per payment, spread over ~91 days
Bi-weekly
$104
Per payment, spread over ~112 days
Monthly
$246
Per payment, spread over ~92 days
*Subject to your application being completed and approved before 11am.
♥ The 4 Aces of Borrowing
Why Canadians choose Ace of Loans
♠
Ace of Speed
Same-day funding deposited straight into your bank account.*
♥
Ace of Trust
Licensed Canadian lender with 12k+ happy borrowers nationwide.
♦
Ace of Transparency
No surprise fees or hidden catches — every rate is disclosed upfront.
♣
Ace of Simplicity
100% digital process. Zero paperwork, faxing, or credit checks.
*Subject to your application being completed and approved before 11am.
♦ The process
Three steps to funding
No paperwork. No branch visits. A process built to move at the speed you need it to.
1
Apply online
Fill out a short form to submit your application — takes about five minutes.
2
Instant bank verification
Secure IBV confirms your details in moments, no documents to upload.
3
Ultra-fast funding
Once approved, funds are made available and deposited directly to you.
♠ No paperwork
Approved through bank verification. No supporting documents needed.
Funds deposited straight to your account.
Skip the hassle of tracking down paperwork thanks to IBV technology. With our ultra-fast approval process, you can move forward in minutes.
*The example provided by the calculator is illustrative only, assuming the borrowed amount is repaid in full on schedule with no new withdrawals before full repayment. It includes a $20 weekly membership fee, payable until the loan is repaid in full.
♠ Knowledge Base
Latest from our blog
Explore small loans in Canada from $250 to $1,250, learn how online installment loans use scheduled payments, and read practical guides from Ace of Loans: how loans without documents work in Canada, how no-credit-check loans work, and what an IBV is.
Guides
Instant Loans With No Credit Check in Canada
Learn how instant decisions and funding work without an Equifax or TransUnion inquiry, how IBV verifies eligibility, and what costs to review.
♦ Cosigner support
Why a Cosigner May Be Requested
During the approval process, some applications may benefit from additional support. A cosigner is someone who agrees to stand behind the loan with you, helping strengthen your application.
Limited Credit Support
In certain situations—including limited credit history, income structure, or past credit challenges—adding a cosigner may help applicants qualify when approval could otherwise be difficult.
No Upfront Payment
If cosigner support is recommended, applicable third-party fees may be included directly in the loan, so no upfront payment is required from the applicant.
Smooth Accessibility
With additional support, lenders may feel more comfortable extending financing, helping applicants access capital without upfront, out-of-pocket costs.
♣ Customer stories
What our clients say
★★★★★
"Ace of Loans was a lifesaver. The application process was quick and simple, and thanks to IBV I received my funds fast. Their support team, especially Stéphanie, was remarkably calm and helpful."
★★★★★
"Ace of Loans answered an urgent need. The speed of the process impressed me, as did how quickly the funds landed. I'd recommend them for reliable, hassle-free service."
★★★★★
"My experience with Ace of Loans was exceptional. The simple application, fast IBV check, and friendly support genuinely impressed me. Étienne was patient and efficient throughout."
♦ Common questions
Frequently asked questions
A few quick answers — see the full list on our FAQ page.
What is the annual interest rate?+
The maximum APR on our loan products can reach up to 29%. Every fee and applicable
interest is clearly outlined in your loan agreement before you sign.
What if I miss a payment?+
Contact our support team as soon as possible so we can walk through the options
available for your account.
Can I get a sample loan and repayment example?+
Yes — use the calculator above to see a detailed example based on the amount and
frequency you choose.