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Category: Borrowing Basics
October 5, 2026
Learn what happens if you miss a loan payment in Canada, including possible fees, credit-report effects, collections and what to do next.
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September 25, 2026
Learn how personal loans for newcomers to Canada work, what lenders may check when you have limited Canadian credit history and how to compare your options.
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September 21, 2026
Learn how to calculate the true cost of a loan in Canada. Understand APR, interest, fees, repayment terms and total repayment before comparing loan offers.
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September 7, 2026
Learn how long negative information stays on a Canadian credit report, including late payments, collections, credit checks and bankruptcies.
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August 17, 2026
Learn what debt-to-income ratio means in Canada, how lenders assess your existing debt and income, and how your debt load may affect a loan application.
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December 6, 2024
Learn how personal loans work in Canada, including eligibility, interest rates, loan costs, repayment terms, and what to consider before borrowing.
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November 4, 2024
Soft credit checks don’t affect your score, while hard checks may lower it slightly. Learn when each happens in Canada, how long they stay on your report, and how to shop for rates safely.
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May 3, 2024
When borrowing money, personal loans and lines of credit are two common options, each suited to different financial needs.
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