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$100 to $20,000

Fixed monthly payments. APRs from 5% to 30%. Checking your rate takes two minutes and never affects your credit — because we don’t look at your score, we look at what you earn.

Check your rate – 2 minutes
See how it works
  • No credit required
  • No prepayment penalty
  • Fund within minutes
YOU’D PAY
$ 208.69 / bi-weekly
Principal $2,500 Interest $212.97
How much do you need? $2,500
Pay it back over
Repayments
Applying won’t affect your credit score.

Three steps. No Paperwork ,
no branch visit, no credit score

01

Tell us what you earn

Answer a few questions and securely connect your bank or upload a pay stub. No score, no lengthy application, no impact on your credit.

02

Pick your offer

See every amount and term you qualify for side by side, with the exact monthly payment and total cost printed before you sign anything.

03

Get funded

E-sign and your money is on its way, most approved loans land in your account within minutes.

Rates and terms, in plain English

One fixed rate for the life of the loan. The payment you see on day one is the payment you make every month until it’s gone. No balloon payments, no origination surprises.

Check your rate
Loan Amount
$100 – $20,000		APR Range
5% – 30%
Terms
1- 24 months		Origination Fee
$0
Prepayment Penalty
None		Credit Score Needed
None

A low score doesn’t mean you can’t pay.

A credit score is a summary of your past. Your income is a fact about your present. Good Loan underwrites on verified earnings and cash flow, so a medical bill from four years ago doesn’t decide what you can borrow today.

  • Approval driven by verified income and repayment capacity, not Credit Score
  • Checking your rate is a soft inquiry – your score is untouched.
  • Thin file, no file, or a rough patch behind you: all welcome.
  • On-time payments are reported, so this loan can build your credit.

What borrowers say

“My score was 540 after a divorce. Good Loan looked at my paychecks instead and approved $6,000 the same afternoon.”

Renee M., Winnipeg, MB

“The payment they quoted me was the payment I paid. Twenty-four months, no surprises, done.”

Darius W., Toronto, ON

“I needed $900 for a transmission on a Tuesday. It was in my account Wednesday morning.”

Alicia F., Windsor, ON

Frequently Asked Questions

Do I need a credit score to get a Good Loan?

No. We approve based on verified income and your ability to repay. Checking your rate is a soft inquiry that never affects your credit score.

How much can I borrow?

Anywhere from $100 to $20,000. Your approved amount depends on your income, your existing obligations and your state of residence.

What APR will I pay?

APRs run from 5% to 30%, fixed for the life of the loan. Higher and steadier income, shorter terms and larger amounts generally earn lower rates.

How fast do I get the money?

Most applications are decided in minutes. Once you e-sign, approved funds are typically deposited the next business day.

Is there a penalty for paying early?

Never. Pay off your loan whenever you like and you only pay interest for the time you actually borrowed. There is no origination or application fee.

What documents do I need?

A government ID, an active bank account, and proof of income, a bank connection, recent pay stubs, or benefit statements all work.

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See your real rate in two minutes.

No credit score needed. No effect on your credit. No obligation.

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