Personal Loans Made Symple

Quick Quote on Mobile | Symple Loans

This will not impact your credit score

Personalized Pricing – Our proprietary underwriting process allows us to offer interest rates and loans terms that are specific to you.

No Early Payment Fees or Charges – If you want to pay off your loan early, no problem, you can do so with no penalties or fees.

Loan Terms Up To 7 Years – With loan terms of up to 7 years, we have the most flexible terms in the market.

Convenient & Easy Access – Apply and manage your account online from anywhere, there is no need to wait for appointments or visit a branch.  Apply at a time that is convenient for you, we are open 24/7, 365 days a year.

Funds Delivered The Next Business Day – Our process allows us to transfer your approved funds by the next business day.  Get the funds you need when you need them.

Privacy & Security – We’re committed to protecting your information and privacy with the highest standards.  You can rest assured your personal data is secure.

Get Approved For A Loan In Minutes

Quick Quote - Get Your Rate

Answer a few questions to get your quick quote in under 2 minutes

Submit Your Application

Complete our short online application in under 7 minutes

Get Your Loan Offer

Get a response with your loan offer details in 60 seconds

Receive Your Funding

Receive your funds the next business day

This will not impact your credit score

Personalized & Flexible Loans

Whether your need is small or large, we offer unsecured personal loans from $5,000 to $50,000 with rates and terms that are customized for you.

Loans up to 


Rates Starting from


Terms Ranging from

1-7 years

This will not impact your credit score

Symple Loans Rates

Our interest rates are often lower than what other lenders are offering and our Quick Quote feature gives you an indicative rate before you apply. You can have the money in your account the next business day.


Interest Rate Establishment Fee APR
5.75% p.a. to 22.99% p.a *
From 0% to 5% *
From 5.75% p.a. to 33.08% p.a.*

Loan Options

Minimum Amount Maximum Amount Minimum Term Maximum Term
1 Year
7 Years

Symple Loans Eligibility

  1. Be at least 18 years old
  2. Be employed and receiving employment or retirement income over $25k annually
  3. Be a Canadian citizen or permanent resident
  4. Reside in Canada (excl. NS, QC, SK)
  5. Have no current or previous consumer proposals or bankruptcies

This will not impact your credit score

A Personal Loan For All Your Borrowing Needs

Managing multiple monthly loans or credit card payments can be overwhelming. Where do you begin? Bringing together several existing debts under a single debt consolidation loan with Symple Loans is one sensible approach you can take to keep in control of your financial situation.


Have you outgrown your current space? Would your home be more comfortable with some upgrades? A home improvement loan from Symple Loans could be the solution to ensuring your home aligns with your needs.  With a fast and easy application and approval process, Symple Loans can help you move ahead with the next renovation project that you have planned.


Whether you’re carrying a larger or small balance, Symple Loans offers personalized credit card refinancing loans from $5,000 to $50,000 to help you take back control.


Rather than taking out a loan that puts your vehicle up as security or locks you into a fixed term, it may be worthwhile considering an unsecured car loan instead.  With Symple Loans, you can borrow up to $50,000 for your next motor vehicle purchase, choose loan terms up to 7 years, and have the flexibility to pay off the balance at any time without fees or penalties. Budgeting for a vehicle is never easy and financing shouldn’t make that process more difficult. Going with an unsecured car loan from Symple Loans can take out the hassle and get you through the process faster, and easier than ever before.


Start packing traveler, your time to get away has arrived.  With a travel loan from Symple Loans and just a few clicks, you can be on your way to your next bucket list destination in no time at all.

Escape the daily hustle with a travel loan that suits your specific needs and take comfort in knowing that you’re able to pay for that much-needed break over time and on terms that are customized by you.


Looking to continue your education with an MBA?  Perhaps you want to send your kids to private school or help with College or University tuition?  A Symple Loan can be used to cover tuition, books and other education expenses.  The loan terms are flexible and can be paid off at any time, making it a smart and accessible option to help with your education needs. 


Are you an active investor looking to add to your investment portfolio?  A Symple personal loan allows you to invest and diversify your portfolio without having to sell off assets.  If you are looking to start investing and get into the market, our personal loans with competitive interest rates and flexible payment terms could be your best option to access unsecured funds.  Another bonus, you can pay the loan back with no early payment fees!


Looking to make a major purchase like a new boat or an engagement ring?  Perhaps you are hosting a wedding or want to furnish your new home.   A personal loan from Symple can make that purchase become a reality sooner.  Our competitive interest rates can be a better way to borrow when compared to paying the high interest rates offered by credit cards and other lenders.


This will not impact your credit score

Frequently Asked Questions

Symple Loans launched in January, 2018, in Australia and has since served the lending needs of thousands of Australians looking for better, faster and lower cost personal lending options. 

Symple Loans launched in Canada January 2021. At Symple, we are in the business of helping hard-working Canadians who would benefit the most from access to better, faster, and more affordable personal loan options.

A personal loan is an amount you can borrow from a bank or other lenders to use for a variety of purposes including, consolidating your debts, improving your home, investing in your portfolio, purchasing a new vehicle, and more. This amount is a one-time installment that is repaid over several years, to help you achieve your financial goals faster.

Great Question!
Personal loans through Symple add more financial flexibility to your lifestyle. Whether you are looking to pay off your credit card and high-interest debt, plan that once-in-a-lifetime vacation or update your dream kitchen, Symple Loans is here to help you achieve your goals. Your Symple loan can be used to help with;

  • Consolidating your debt
  • Decreasing high interest credit card payments
  • Home renovations
  • Purchasing a new vehicle
  • Investing in your portfolio
  • Travel
  • School fees and tuition

If you meet the below requirements, you are eligible for a Symple loan:
1. Be at least 18 years old
2. Be employed, earning over $25K annually
3. Be a Canadian Citizen or Permanent Resident
4. Residing in Canada (excl. NB, NS QC, SK)
5. Have no previous bankruptcies

Personal loans are a great option for lowering credit card debt by consolidating outstanding amounts and reducing high-interest rates. With most credit cards averaging an interest rate of 22.99% or higher, Symple Loans offers a smarter way to get ahead of credit card debt starting at just 5.75%. Symple Loans allow you to pay off your debt faster, have lower monthly payments, and increase your chances of improving your credit score over time.

Whether you’re carrying a small or large balance, Symple Loans offers personalized credit card refinancing loans from $5,000 to $50,000 to help you take back control faster.

A Symple loan is the first step to getting ahead of your debt by decreasing your interest rates and lowering your monthly payments. Symple Loans provides the opportunity for you to pay off your debt with your transferred funds, or have us pay your creditors off directly, it’s that Symple!

Whether you’re carrying a small or large balance, Symple Loans offers personalized refinancing loans from $5,000 to $50,000 to help you take back control faster.

At Symple, our application assessment and underwriting process allows us to better understand the specific circumstances of each applicant and offer customized interest rates and loan terms. Starting at just 5.75% our rates allow you to pay off your loan faster while paying less interest over your term.

Origination fees may be applicable on your Symple loan and help us provide you with the best customer experience from the comfort of your home, while keeping your interest rates low. These fees are a one-time charge of 0-5% and are added to your loan principal which can be paid off over your loan term.

Late payment fees of $45.00 will apply for missed or late scheduled repayments.


The beauty of acquiring a Symple loan is our flexible, no fee, early payment plan.

You have several options to pay off your loan in partial or in full at any time by contacting our customer service team at [email protected] or call us directly at 1-888-479-2292


Please contact our customer service team at [email protected] or call us directly at 1-888-479-2292 to change your loan payment date so you never have to miss a payment.


Symple Loan’s offers a no-obligation quick quote that includes a few simple questions to get your personalized rate. When you continue through your application and submit it in full, like any other loan your credit score may be impacted.

At Symple Loans, we pride ourselves on creating the most efficient and convenient experience for our consumers. Once you have accepted your loan terms by signing your contract, funds will be transferred by the next business day, it’s that Symple!


We use the most advanced technology and trusted partners to ensure the complete security of your information during your experience with us.

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This will not impact your credit score