Credit Cards

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FAQ

Does it cost me anything to get a credit card?
Many credit cards in Canada have no annual fee. Rewards and premium cards usually charge an annual fee in exchange for extra perks like cash back or travel points, and secured cards require a refundable security deposit. Comparing your options costs nothing.
Will applying affect my credit score?
Browsing and comparing card offers has no impact on your credit. When you submit a full application, the card issuer does a hard credit check, which can lower your score by a few points temporarily. That's why it's smart to compare first and only apply for the card that fits you best.
Can I get a credit card with bad credit or no credit history?
Yes. Secured credit cards are designed for exactly this - you provide a deposit that becomes your credit limit, and your on-time payments are reported to the credit bureaus. Used responsibly, it's one of the most reliable ways to build or rebuild your credit in Canada.
find the right credit card in Canada

Is this right for you?

Picking a credit card in Canada doesn't have to be complicated. The right card depends on how you'll actually use it. If you pay your balance in full every month, a rewards card that earns cash back or points on groceries and gas can put real money back in your pocket. If you sometimes carry a balance, a low-interest card will save you far more than any rewards program. And if you're new to credit or rebuilding after a rough patch, a no-fee or secured card is a simple, low-risk way to get started.

how applying for a credit card works

How it works

Compare your options, then apply online in minutes - most issuers give you a decision quickly, and your card typically arrives in the mail within 5 to 10 business days. Before you apply, check the things that matter: the annual fee, the interest rate, and any welcome offer. A big sign-up bonus isn't a deal if the annual fee eats it up. Once you have your card, paying on time and keeping your balance well below your limit are the two habits that build your credit score fastest.

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Disclaimer:

Loanspot.ca is a lead referral company, not a lender. We are helping Canadians find loans with ease! We are helping Canadians find personal loans, emergency loans, bad credit loans, installment loans, vehicle loans, debt consolidation, mortgages, and much more!


Loanspot.ca will never ask you for your banking information. Our lenders are the ones who will reach out to ask you this. Be careful not to borrow more than you can pay back.


Loanspot.ca only works with financial service providers that adhere to Canadian laws and regulations. Our lenders employ fair collection practices. All loans are subject to credit and underwriting approval by our lenders


Main Application | Personal Loan Application | Debt Solutions Application | Business Loans Application | Vehicle Loan Application | Credit Reports Application | Mortgage Application Credit Cards Application

CASL

Welcome to our CASL

Your privacy is critically important to us.

Consent For Canada’s Anti Spam Legislation Pursuant to Canada’s anti-spam legislation (“CASL”) LOANSPOT INC. (collectively “LSI”) are seeking your consent to receive information about your credit application and any present or future agreements you may make with the LSI by electronic means, such as email and text messages.

In addition, we also want to send you by electronic means information about LSI’s products and services from time to time which may be of interest to you.

If you wish to withdraw your consent you may do so at any time by calling us at 437-375-8073 or emailing us at info@loanspot.ca.

LOANSPOT INC. 2125 Lake Shore Blvd W. Etobicoke, ON M8V 0B3 Phone : 437-375-8073 Email : info@loanspot.ca

If you have any questions or concerns regarding our CASL compliance, please contact a Business Development Center Representative at 437-375-8073.

Terms & Conditions

Welcome to our Terms and Conditions

It is Loan Spot's policy to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to www.loanspot.ca (hereinafter, "us", "we", or "www.loanspot.ca"). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

I allow that loanspot.ca can contact me via email or phone. Participating lenders may verify your social insurance number, driver’s license number, provincial id, or any other government identifications and review your information against federal databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit. By clicking the checkbox you are opting in to be on the loanspot.ca mailing list. Loanspot.ca follows best practices of the Canadian fair trading act of 1999. All finance is subject to employment status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Other referral companies may also contact me that LoanSpot.ca sends the application to. We can introduce you to a number of finance providers based on your credit rating.

I allow that loanspot.ca can contact me via email or phone. Participating lenders may verify your social insurance number, driver’s license number, provincial id, or any other government identifications and review your information against federal databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit. By clicking the checkbox you are opting in to be on the loanspot.ca mailing list. Loanspot.ca follows best practices of the Canadian fair trading act of 1999. All finance is subject to employment status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Other referral companies may also contact me that LoanSpot.ca sends the application to. We can introduce you to a number of finance providers based on your credit rating.

Website Visitors

Like most website operators, Loan Spot collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Loan Spot's purpose in collecting non-personally identifying information is to better understand how Loan Spot's visitors use its website. From time to time, Loan Spot may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Loan Spot also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on http://www.loanspot.ca blog posts. Loan Spot only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Loan Spot's website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: "Client", "You" and "Your" refers to you, the person accessing this website and accepting the Company's terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client's needs in respect of provision of the Company's stated services/products, in accordance with and subject to, prevailing law of . Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies

We employ the use of cookies. By using Loan Spot's website you consent to the use of cookies in accordance with Loan Spot's privacy policy.

Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

License

Unless otherwise stated, Loan Spot and/or it's licensors own the intellectual property rights for all material on Loan Spot. All intellectual property rights are reserved. You may view and/or print pages from http://www.loanspot.ca for your own personal use subject to restrictions set in these terms and conditions.

You must not:
  • Republish material from http://www.loanspot.ca
  • Sell, rent or sub-license material from http://www.loanspot.ca
  • Reproduce, duplicate or copy material from http://www.loanspot.ca
Redistribute content from Loan Spot (unless content is specifically made for redistribution).

Hyperlinking to our Content

No use of Loan Spot's logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury resulting from negligence;
  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Privacy Policy

Welcome to our Privacy Policy

Your privacy is critically important to us.

It is Loan Spot's policy to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to www.loanspot.ca (hereinafter, "us", "we", or "www.loanspot.ca"). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

Website Visitors

Like most website operators, Loan Spot collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Loan Spot's purpose in collecting non-personally identifying information is to better understand how Loan Spot's visitors use its website. From time to time, Loan Spot may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Loan Spot also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on http://www.loanspot.ca blog posts. Loan Spot only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.

Gathering of Personally-Identifying Information

Certain visitors to Loan Spot's websites choose to interact with Loan Spot in ways that require Loan Spot to gather personally-identifying information. The amount and type of information that Loan Spot gathers depends on the nature of the interaction. For example, we ask visitors who sign up for a blog at http://www.loanspot.ca to provide a username and email address.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Advertisements

Ads appearing on our website may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Loan Spot and does not cover the use of cookies by any advertisers.

Links To External Sites

Our Service may contain links to external sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy and terms and conditions of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites, products or services.

www.loanspot.ca uses Google AdWords for remarketing

www.loanspot.ca uses the remarketing services to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven't completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone's past visits. Of course, any data collected will be used in accordance with our own privacy policy and Google's privacy policy.

You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.

Protection of Certain Personally-Identifying Information

Loan Spot discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Loan Spot's behalf or to provide services available at Loan Spot's website, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Loan Spot's website, you consent to the transfer of such information to them. Loan Spot will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Loan Spot discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Loan Spot believes in good faith that disclosure is reasonably necessary to protect the property or rights of Loan Spot, third parties or the public at large.

If you are a registered user of http://www.loanspot.ca and have supplied your email address, Loan Spot may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Loan Spot and our products. We primarily use our blog to communicate this type of information, so we expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Loan Spot takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Aggregated Statistics

Loan Spot may collect statistics about the behavior of visitors to its website. Loan Spot may display this information publicly or provide it to others. However, Loan Spot does not disclose your personally-identifying information.

Cookies

To enrich and perfect your online experience, Loan Spot uses "Cookies", similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Loan Spot uses cookies to help Loan Spot identify and track visitors, their usage of http://www.loanspot.ca, and their website access preferences. Loan Spot visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Loan Spot's websites, with the drawback that certain features of Loan Spot's websites may not function properly without the aid of cookies.

By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Loan Spot's use of cookies.

Privacy Policy Changes

Although most changes are likely to be minor, Loan Spot may change its Privacy Policy from time to time, and in Loan Spot's sole discretion. Loan Spot encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.