Apply Now – Fast & Simple

or Refinance Your Current CCC Loan

A simple path toflexible financing.

ConsumerCapital Canada is part of the CanCap Group which also includes AutoCapital Canada and MerchantCapital Canada.

We believe in being a responsible lender, providing transparency and safeguarding your information.

I agree to the Terms and Conditions

Secure Online Application

We offer fixed rates, affordable personal loans with manageable payments and flexible terms. No security required.


Consolidate,Pay Bills,Unexpected Expenses, Or Whatever Your Needs Are.

Apply, upload documents and receive your funds directly into your bank account the next business day. 

We can save you hundreds, maybe thousands of dollars. Compare our rates to what you pay today. You’ll be happy.

We offer personal loans up to $12,500 with rates starting at 19.99% and flexible terms - ConsumerCapital is the solution for you!

Tools to help you choose the right loan amount.
$500 $12500
You pay : $276.78 | Every {{}} | For {{ term }} Months
Tools to help you choose the right loan amount.
$500 $12500
You pay : $276.78
Every {{}} For {{ term }} Months

Get a loan that helps you take control of your finances.

Disclaimer: This is an example only. The payment amount displayed is based on an interest rate of 19.99%, but your actual loan terms will be determined by ConsumerCapital Canada. For example, if you borrow $3,500 over 48 months at an interest rate and APR of 21.99%, your estimated monthly payment will be $110.25, and the total cost of borrowing (COB) will be $1,681.75.

"Absolutely swift and fantastic service. Really impressed. I’d recommend them any day!"


Secure Online Application

I agree to the Terms and Conditions

Disclosure - ConsumerCapital Canada Inc. Payment Protection Insurance is underwritten by Trans Global Insurance Company and Trans Global Life Insurance Company. For more information about the terms and conditions including limitations and exclusions, the claims handling process, the complaint handling protocol and Frequently Asked Questions, view our FAQ'S: View our English FAQ or View our French FAQ.


3 Fast & Simple Steps




Upload documents – banking and ID.

Electronic Signature on your loan agreement – Next Day Funding.

Fill out application.

Our Partners

For Career Opportunities


See What People Have to Say About Us

Mon - Fri:  9 AM - 8 PM ET

Sat - Sun:  Closed

To save money on your existing auto loan see our partner SafeLend.


Frequently Asked Questions

What are the requirements for my application?

  • Be 18 years or older in ON, MB, PE, AB or SK·        
  • Be 19 years or older in BC, NB, NL and NS
  • Have a monthly gross income of at least $1,900
  • Recommendation of credit score of 550 and above
  • Have a primary income (employment income, pension, long-term disability, self-employment, maternity leave)
  • Provide 90 days of banking history through our partner, Flinks
  • Must not currently be in debt management, including credit counselling, bankruptcy, or consumer proposal

Can I do a Balance Increase?

Current customers are welcome to apply for a loan increase after 6 months of successful loan payments. You can APPLY NOW by submitting your information above. The new application is subject to a review of your 90 days of banking history and a final credit bureau review. Please note: your current loan will be paid off if approved. Example: you currently owe us $2,000 and are approved for $5,000; we would pay off the $2,000 current loan and provide you with the difference in funds of $3,000.

How can I pay off my loan early or check my outstanding balance?

You sure can! Contact us at 1-888-554-4192 or email us at

I have questions about my payments.

If you have questions regarding your payments (making extra payments, missed payments, updating banking, etc), you can reach out to the repayment team at 855-598-1854 or by email at

Are there penalties for making extra payments or paying off my balance early?

There are no penalties or fees.

Copyright © 2023. All rights reserved.