Budget
5 effortless habits to save money every month
Simple actions that, when added up, make a real difference to your end-of-month balance.
12+ years of experience • 100% online
Get your loan
Get your loan
fast and hassle-free.
Personal loans online up to $5,000. Fast approval, 100% digital process, no paperwork. Receive your funds the same day.
12+
years of experience
4h
average response time
100%
digital process
Loan calculator
No commitmentEstimate your monthly payment in seconds.
$500$5,000
336
Estimated monthly payment
—
Total to repay
—
For illustration only. Rates and terms depend on your file.
Direct deposit with major Canadian banks
RBC
TD
Scotia
CIBC
BMO
National
Tangerine
EQ Bank
Why Credit2Go
A loan, without the usual hassle.
We simplify credit by putting technology, transparency, and human service at the heart of the process.
Fast approval
Response in just a few hours and funds deposited the same day in most cases.
100% online
Fill out your application from your phone. No travel, no paperwork to print.
Secure and transparent
Your data is encrypted. No hidden fees: you know exactly what you're signing.
How it works
Three steps, a few minutes.
From form to funds in your account, we've simplified everything.
01
Fill out the form
A few fields only: identity, income, and amount needed. Less than 5 minutes.
02
Get your decision
Our team reviews your file and usually responds within a few hours.
03
Receive your funds
Once approved, the deposit arrives in your bank account, often the same day.
Credit improvement
Rebuild your credit score, step by step.
A bad credit history isn't a dead end. Our products are designed to help you demonstrate a stable payment history and, over time, improve your score.
- ✓Regular payments reported to credit bureaus.
- ✓Personalized advice to build a realistic budget.
- ✓Human support, without judgment.
Your credit score
720
+45 over 6 months
300900
12/12
on-time payments
6 months
history
Good
status
Our tips
Tips to better manage your credit.
Credit
How your credit score is calculated in Canada
Understand the five factors that move your Equifax and TransUnion score.
Loans
Personal loan: choosing the right repayment term
Shorter = less interest, longer = easier payments. How to find the balance.
Testimonials
What our clients say.
4.8/5based on 1,200+ reviews
"Funds received in less than 3 hours. Super simple process, no paperwork. I recommend it for a quick fix."
SM
Sarah M.
Calgary, AB
"After two refusals from the bank, Credit2Go trusted me. Caring advisor, clear rates from the start."
MT
Michael T.
Vancouver, BC
"I've renewed my loan three times. Each time, response within the day and impeccable service."
JW
Jessica W.
Toronto, ON
Security
Your data is protected by banking-grade standards.
We use end-to-end SSL/TLS encryption and regularly test our systems to guarantee the confidentiality of every file.
SSL 256
End-to-end encryption
PIPEDA
Canadian compliance
24/7
Transaction monitoring
$0
Hidden fees
Frequently asked questions
Everything you want to know, clearly.
What is the maximum amount I can borrow?
Credit2Go loans go up to $5,000. The exact amount depends on your income, credit history, and ability to repay.
How long until I receive the funds?
In most cases, funds are deposited the same day once your application is approved. The delay may vary depending on your bank.
What are the interest rates?
Our rates range from 1.99% to 2.42% per month — equivalent to an APR (Annual Percentage Rate) between 23.88% and 29.04% — depending on your file. These rates comply with the federal 35% APR cap in effect since 2025. Each offer clearly shows the monthly rate, APR, and total cost before signing.
Do you perform a credit check?
Yes, we do a soft check to evaluate your file, but bad credit doesn't automatically disqualify your application. We look at your overall situation.
Can I repay my loan early?
Absolutely. No early repayment fees. You can pay off your loan at any time and save on interest.
Ready for the next step?
Fill out your application in minutes and get a fast response. No commitment.
Contact us
A question? Write to us.
Fill out this short form and we'll get back to you as soon as possible. For urgent inquiries, call us directly.
