In A Snap Loans is the best place to start looking for a loan

We give Canadians the tools to access unsecured personal loans that offer competitive rates, reasonable terms and flexible payment schedules that fit every budget.

Unsecured personal Loans

Unsecured personal loans can be useful for people with both good or bad credit. It is a way for borrowers with good credit to avoid the usual long waits when using traditional bank loans. With unsecured personal loans, your loans can be repaid over a specific period of time through automatic monthly payments, and most importantly, you can get the money you need as soon as you need it.

Who can apply for the loan?

Like all other loans, there are a few requirements to meet in order to be eligible to apply for a personal loan. The qualifying factors are

Age: You must be 18 years of age or older.

Credit Score: Your credit score can range from “good” to “less than favorable.”

Income: You need verifiable proof that you have a reliable income stream.

Think You Have Bad Credit? Think Again!

Are you worried about your credit score? Have you applied for loans from traditional lenders and been rejected? Think alternative lenders are only for people with bad credit?

That’s no longer the case. Banks reject loan applications all the time, often because of risks that they identify that have nothing to do with the applicant’s credit score. In fact, your credit score might be good, and you could still get rejected by traditional lenders

Because unsecured personal loans work differently, you can get the money you need with a speedy application process and the relationship we’ve fostered with our lending partners. Our lending platform minimizes and in most cases eliminates the possibility of a loan application being declined.

frequently asked questions

A personal loan is a type of unsecured installment loan. “Unsecured” just means that you don’t have to put up collateral for the loan (such as a house or car). An installment loan is just another way of saying you can pay it back over time, in installments. These are usually equal monthly payments with a fixed interest rate.

Personal loans are offered by a variety of financial institutions, such as a bank, credit union or online lender. Personal loans tend to have lower interest rates than credit cards, and they also have fixed repayment terms.

  • Help get your small business up and running
  • Lower your credit card debt
  • Buy that car you’ve had your eye on
  • Pay for tuition or school supplies
  • Go on your dream vacation
  • Get started on those home renovation projects you’ve been putting off
  • And much more!

Your money is yours to use however you need it.

Since you don’t put up any collateral, the only qualifying factors for a personal loan are your finances, including your credit history, income, and debts.

When you’re shopping around for a personal loan, you’re going to be looking at many different lenders. In most cases, you will be able to see pre-qualified loan offers. The lender will determine these offers by performing what’s called a “soft” credit inquiry on you.


This type of inquiry will not have any effect on your credit score.

Since all lenders can go by to evaluate your personal loan offer is your financial status, they will need supporting documents to get that information. These documents include some form of personal identification, plus financial documents such as pay stubs or bank statements

While most personal loans are unsecured (no collateral) some lenders do offer personal loans with collateral, also known as a collateral loan.


This type of loan is typically offered when your credit score and income do not meet their minimum requirements.  If you can offer collateral, you may receive a personal loan with a lower rate or a larger loan amount, depending on your situation.

Personal loans typically range between $5,000 and $15,000, with a maximum of $45,000. Repayment terms are generally between 24 and 60 months. When it comes to the amount of the loan, the higher your credit score and income, the more money you can potentially borrow.

This will depend on the lender. Some lenders advertise that they will never charge you penalties or additional fees for paying your loan back early (before the end of the repayment term). Make sure you find out what the case is with your lender before you accept any loan offer.

Mortgages and auto loans are secured loans – they have collateral to back them up. Personal loans are typically unsecured, and as such carry more risk to the lender. That usually means their interest rates will be higher compared to secured loans like mortgages.


It’s important to note that even with a higher interest rate, the total cost of a personal loan in terms of the interest paid can be significantly lower than a mortgage or home equity loan because the term is significantly shorter.

Having trouble getting a loan from a bank because of your credit card debt? Have you been Googling search terms like “loans with bad credit” or “bad credit loans”? If you find yourself unable to deal with an unmanageable amount of credit card debt, Lend for All can help.

A personal loan can help pay off credit card debt, which in turn can improve your credit score. Using our AI-powered application process, quickly find out how you can borrow money to mitigate your existing debt and prevent your credit history from being negatively affected.


Have more questions don’t worry we call you before the lender receives any information. Or email us at

Customers Testimonial

What my Clients Say

I could not get approved at a bank, but they where fast at responding and got me approved.


Supper fast, Thank you In A Snap Loans


Never thought of getting a loan from out side of a normal institution, but that has changed. They where courteous and respectful to my personal situation.


Thank you for helping me get through a hard time. I will be send everyone that is needing help your way.