Budget
5 habits to save effortlessly every month
Simple moves that, added up, make a real difference on your end-of-month balance.
12+ years of experience • 100% online
Get your loan
Get your loan
quickly 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 reply time
100%
digital process
Loan simulator
No commitmentEstimate your monthly payment in seconds.
$500$5,000
336
Estimated monthly payment
—
Total to repay
—
For illustration only. Rates and conditions depend on your file.
Direct deposit with major Canadian banks
RBC
TD
Scotia
CIBC
BMO
Desjardins
National
Tangerine
Why Credit2Go
A loan, without the usual hassle.
We make credit simpler by putting technology, transparency and human service at the heart of the process.
Fast approval
Reply within hours and funds deposited the same day in most cases.
100% online
Apply from your phone. No in-person visit, no paperwork to print.
Secure and transparent
Your data is encrypted. No hidden fees — you know exactly what you sign.
How it works
Three steps, a few minutes.
From the form to funds in your account, we simplified everything.
01
Fill the form
A few fields only: identity, income and amount requested. Under 5 minutes.
02
Get your decision
Our team reviews your file and usually replies within a few hours.
03
Receive your funds
Once approved, the deposit lands in your bank account, often the same day.
Credit improvement
Rebuild your credit score, step by step.
A bad credit file is not a dead end. Our products are built to help you show a stable payment history and, over time, lift your score.
- ✓Regular payments reported to credit bureaus.
- ✓Personalized advice to build a realistic budget.
- ✓Human support, no judgment.
Your credit score
720
+45 over 6 months
300900
12/12
on-time payments
6 months
history
Good
status
Our articles
Tips to manage your credit better.
Credit
How your credit score is calculated in Canada
Understand the five factors that move your Equifax and TransUnion score.
Loans
Personal loan: pick the right repayment term
Shorter = less interest, longer = easier payments. How to find the balance.
Testimonials
What our customers say.
4.8/5on 1,200+ reviews
"Funds received in under 3 hours. Super simple process, no paperwork. I recommend for quick help."
SM
Sarah M.
Calgary, AB
"After two bank refusals, Credit2Go gave me a chance. Friendly advisor, clear rate from the start."
MT
Michael T.
Vancouver, BC
"I renewed my loan three times. Every time, answer within the day and friendly service."
JW
Jessica W.
Winnipeg, MB
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, in plain words.
What is the maximum amount I can borrow?
Credit2Go loans go up to $5,000. The exact amount depends on your income, your credit history and your ability to repay.
How long before I receive the funds?
In most cases, funds are deposited the same day once your application is approved. Timing may vary based on your bank.
What are the interest rates?
Our rates range from 1.99% to 2.42% per month — equivalent to an APR of 23.88% to 29.04% — depending on your file. These rates comply with the federal 35% APR cap in effect since 2025. Every offer clearly states the monthly rate, APR and total cost before signing.
Do you run a credit check?
Yes, we run a light check to assess your file, but bad credit does not automatically disqualify your application. We look at the whole picture.
Can I repay my loan early?
Absolutely. No early repayment fee. You can pay off your loan any time and save on interest.
Ready for the next step?
Fill your application in a few minutes and get a fast reply. No commitment.
Contact us
A question? Write to us.
Fill out this short form and we will reply as soon as possible. For urgent requests, please call us directly.
