Who We Are

Who We Are?

Upper Canada Loans is a Canadian Corporation in the business of finding qualified lenders to match  consumers’ financial needs.

Borrow With Confidence

Upper Canada Loans is dedicated to helping all working people in Canada regardless of their financial situation or their credit worthiness.

Why we need your information

The information is used to confirm your identity and your employment status. Lenders will contact customers on their home, mobile numbers or by e-mail. Your employer will not be informed about your  loan application. If our lenders do need to contact you while you are at work, lenders are experienced enough not to reveal why they are calling and will never discuss your loan with anyone but the borrower.

How we use your information

The information we need from you in order to process your application is used to assess your suitability for a loan and can affect the amount lenders will offer you. It ensures that loan decisions and loan transfers can be made quickly, often on the same day of your application. Our Lenders tend to approve those applications when all information is provided. If you’ve been turned down for a loan by a bank it is probably due to the data held by credit reference agencies. Basing our decision on your circumstances now rather than your credit history improves your chances of receiving a loan.

How we protect your information

We use standard security software used throughout the financial services and retail industry to protect all your banking details. All of our staff that have undergone rigorous security checks. We do not share, sell, lend or lease any of your private financial information except with qualified lenders. We may however pass your email address to carefully selected marketing partners.

Keeping you on top of your money

Loans provided by qualified lenders offers both short term financial solutions as well as long term financial solutions. The best uses for a consumer loan service is to avoid bank charges and credit card fees, covering surprise bills and unexpected costs and occasionally for special treats. You should never borrow more than you can comfortably repay and should always try to repay the consumer loan in full on your payday to avoid high interest charges. When used for short periods of time consumer loans offer a valuable and speedy solution

What we will need from you

Ensure that all the information you provide on our secure application form is correct. If you have any problems managing payments contact the lender to discuss your situation, never ignore financial problems they will only get worse. Most of all we want you to enjoy your money safely and securely, stay clear of debt and only borrow what you can afford when you really need it.

Apply for a private loan today

read more

Who Can Apply

The good news is that it’s easy to qualify for a loan within our private lenders!
Unlike other traditional loan sources, a consumer loan does not have a number of strict requirements.

To be approved, you simply must:

  • Be 18 years of age
  • Have a bank account
  • Be currently employed and receiving a regular paycheck or regular income including (CPP, EI, Social Assistance)

You are not even required to have a high credit score to qualify because our lenders do not always do credit checks. However, it is at the lenders discretion to assess your credit worthiness. They may need to access your credit history. We understand the situation you are in if you have less than perfect credit, that’s why we match you with a loan lender regardless of your credit score. If you have a checking account, you get paid by direct deposit, or in some cases have an asset, you may be eligible for a loan from one of our qualified lenders.

What is a private loan?

A private loan works just like a bank loan. Similar to any regular loan from a bank, a private loan is a loan from a private institution or individual. It is a loan from a private lender as opposed to one of Canada’s chartered financial institutions.

Using a Private Lender

A private lender doesn’t work like a bank. They don’t have compliance departments and red tape. They are able to assess a loan very quickly, therefore private lenders have a faster closing schedule and funding time. A private lender can close a deal within a couple of days while a bank must process your files through different departments before approving you (you know how that goes!).

Bad Credit Loans

Home loans are easily attainable if you have a good credit score and a down payment, but if you are missing one of the two it is not the end of the world. Upper Canada Loans has a track record of success in finding loans for individuals in situations like these.

Private Home Loans

Whether it’s for a first mortgage, second mortgage, home equity loan, or a personal loan for emergencies Upper Canada Loans can help you get a private loan.

When should you consider getting a private loan?

You should consider private loans when traditional methods for obtaining financing have failed. Upper Canada Loans has access to private lenders in every province and every major city in the country.

Do you need more information?

If you need more information about private lending, you can complete our contact form  and submit . One of our representatives will contact you.

Apply Today For a Private Loan

read more

Loan Process

Our service is to introduce you to qualified lenders who will be able to approve your application for personal loans, bridge loans and secured loans. Different lenders charge different fees for this service vary for the amount of the loan and the length for which you require it. After filling out and e-signing our secure application form, it will be promptly presented to our lenders for processing.

Please carefully review any loan offer you receive, including its terms, and rates. Then if you are satisfied with your loan offer including the fees to be charged to you, you may proceed by accepting the offer. There is no obligation to accept the loan presented to you, and you can feel comfortable exiting the process at any time if you are not satisfied with your loan offer by informing us in writing.  You can also contact us by filling out our on line contact form and we will address your request immediately.

We can introduce you to lenders for loans up to a maximum term of (5) five years. However it is at the lenders’ discretion to determine the duration of the loan term. It may be more helpful to focus on the amount you pay back in total rather than on APR alone. Loans provided by our qualified lenders can be less expensive than overdraft charges and late payment costs in most cases. When used in the right way Personal, secured or Bridge loans can save borrowers money.


read more