Our Lender Network

FatCat Loans connects Canadians with a network of licensed lenders across Canada, allowing you to compare loan options safely and transparently through a single application.

We are not a lender. Instead, we act as a loan-matching platform, helping users find and compare:

Each lender in our network operates independently and is responsible for:

reviewing your application
determining approval
setting loan terms and rates
issuing funds

Our role is to simplify the process and help you access multiple loan options in one place, without applying individually to multiple lenders.

Trusted Lenders in Our Network

We work with a range of lenders across Canada offering different loan products depending on your financial profile.

These may include lenders specializing in:

small loans and short-term loans
installment loans with fixed repayment terms
personal loans for larger amounts
loans for borrowers with bad or limited credit

Below are examples of lenders in our network:

Loan Types	Loan Amounts	Repayment period	Rate	Provinces Served	Typical Funding Time
Personal loans	$500-$35,000	6–84 months	9.99%–34.95% APR	Across Canada	Same day e-Transfer
Short-term loans; payday loans	Up to $1,500	1–3 installments	Up to $14 per $100 borrowed	AB, BC, MB, NB, NS, ON, PEI	E-Transfer in minutes
Line of credit	Up to $5,000	Revolving; interest-only	Varies by offer & province	AB, BC, MB, NB, NL, NS, ON, PEI	Same day available
Personal loans; home equity loans	Personal up to $20,000; home equity up to $150,000	Varies by product; home equity 72–240 months	Personal from 29.99%; home equity from 9.99%	Across Canada	Same-day e-Transfer available
Unsecured & secured personal loans	Unsecured $500–$25,000; secured $5,000–$60,000	Unsecured 6–60 months; secured 36–120 months	Unsecured 29.99%–34.99%; secured 19.99%–25.99%	Across Canada	As soon as today / within 24 hours
Line of credit; installment financing	Line of credit up to $3,200	Weekly, biweekly or monthly	Varies by offer (effective costs can be high)	Across Canada	Decision in minutes; funding within hours
Payday loans; installment loans; line of credit	Payday $50–$1,500	Varies by product	Varies by product & province	Across Canada (availability varies)	As fast as 15 minutes
Cash advance	Up to $750	No fixed term; usually next pay	0% APR; optional tips/express fee	Canada	1–3 days; express same day
Payday loans; cash advances; installment loans	Payday $100–$1,500; installment up to $25,000	Payday next pay; installment terms vary	Installment APR varies; payday fees vary by province	AB, BC, MB, NB, NS, ON, PEI, QC, SK	As little as 2 hours / same day
Credit-building line of credit	$30–$250	Flexible; statement-based	0% interest	Canada (availability varies)	Within minutes to open
Personal loans	$500–$100,000	3–120 months	8.99%–35% APR	AB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT	Within 24 hours after approval
Flex loans; payday loans	Flex up to $9,000; payday up to $1,500	Flex 6–60 months; payday next pay	Flex loan ~35% APR; payday fees vary	AB, BC, ON, SK	Same day approval; funds within hours
Bad credit personal loans	Up to $20,000	12 – 60 months	19.99% – 35%	AB, BC, NB, NL, NWT, NS, NU, ON, PEI, YT	1 business day / within 24 hours
Installment loans; payday loans	$500–$20,000; payday up to $1,500	6–84 months; payday next pay	Installment APR ~34.37%; payday $14/$100	ON & BC (installment); payday varies	Same day decision / funding
Bad credit; personal loans	$1,000–$5,000	Up to 36 months	Varies by offer	AB, NL, ON	Usually within 24 hours
Line of credit; secured loan	LOC up to $10,000; secured up to $25,000	Payments due on scheduled income deposits	LOC ~34.99% APR; secured 24.99%–34.99%	BC, NL, NS, ON, SK	As soon as 15 minutes via Interac e-Transfer
Loan marketplace; comparison platform	Partner offers typically up to $35,000	Varies by lender	Varies by lender	Most provinces; partner availability varies	Usually within 48 hours to a few days
Payday loans; online loans	Up to $1,500	Short-term; next payday	Varies by product & province	AB, BC, MB, NB, NL, NS, ON, SK	Funding as little as 30 minutes
Payday loans	Up to $1,500	Short-term; next payday	Fees vary by province	AB, BC, NS, ON	1–2 hours via e-Transfer
Payday loans; installment loans	$100–$1,500	Next payday; installment	$14 per $100 (payday)	AB, BC, MB, NB, NL, NS, ON, PEI, SK, YT	Instant decision; 24/7

Important: Not all lenders operate in every province. Loan availability depends on your location and the lender’s licensing.

As we continue to expand, additional lenders may be added to the network, and existing partners are continuously reviewed.

Why Our Lender Network Matters

Not all lenders in Canada operate under the same standards.

While many lenders follow strict regulations and transparent practices, others may:

provide unclear loan terms
advertise misleading approval claims
fail to properly disclose fees or repayment obligations

For borrowers — especially those searching for quick loans, easy loans, or bad credit loans in Canada — this creates risk.

FatCat Loans was built to reduce that risk.

We focus on building a lender network that prioritizes:

regulatory compliance
transparency
responsible lending practices
borrower protection

Our goal is not just to connect you with lenders — it is to connect you with lenders that meet a defined standard of quality and accountability.

How Our Lender Matching Process Works

Applying through FatCat Loans is designed to be simple and efficient.

Step 1: Submit Your Application

You complete a secure online form providing basic information about:

your income
employment status
loan amount needed
banking details

This typically takes 2–3 minutes.

Step 2: Matching Process

Our system matches your profile against lender criteria in our network.

This helps identify lenders that are more likely to consider your application based on:

income and affordability
credit profile
loan requirements

Step 3: Review Loan Options

You may receive one or more loan offers from lenders.

Each offer includes:

loan amount
repayment term
interest rate or cost of borrowing
total repayment

Step 4: Choose Whether to Proceed

You decide whether to accept an offer.

There is:

no obligation
no cost to compare options

If you accept, the lender will complete the process and arrange funding.

How We Select Lenders (Detailed Vetting Process)

We do not allow lenders into our network without a structured evaluation process.

✔ Step 1: Licensing & Regulatory Verification

We verify that lenders operate legally within Canada and comply with applicable laws.

This includes reviewing alignment with regulators such as:

Ontario: Financial Services Regulatory Authority (FSRA)
British Columbia: BC Financial Services Authority (BCFSA)
Alberta: Consumer Protection Act
Quebec: Autorité des marchés financiers (AMF)

Where applicable, lenders must:

hold valid provincial licenses
be authorized to operate in the provinces they serve
comply with consumer lending laws

✔ Step 2: Product & Rate Assessment

We review lender products to ensure:

rates fall within legal limits (including Canada’s 35% APR threshold where applicable)
cost-of-borrowing disclosures are clear and accessible
repayment structures are understandable

We also assess:

fees and penalties
loan term flexibility
clarity of repayment obligations

✔ Step 3: Transparency & Communication Review

We evaluate whether lenders:

clearly explain loan terms before acceptance
provide transparent approval criteria
communicate in a fair and non-misleading manner

We do not work with lenders who:

use “guaranteed approval” claims
hide fees or key terms
create unnecessary pressure to accept offers

✔ Step 4: Responsible Lending Assessment

We prioritize lenders that demonstrate responsible lending practices.

This includes:

assessing borrower affordability
considering income and financial situation
offering structured repayment options

This is particularly important for:

bad credit loans
short-term and emergency loans

Only lenders that meet all of these criteria are approved to join our network.

Ongoing Monitoring & Compliance

Our evaluation process continues after a lender joins the network.

We actively monitor lenders through:

✔ Borrower Feedback & Complaints

We track:

complaint frequency
complaint severity
resolution outcomes

✔ Compliance Monitoring

We review whether lenders continue to:

follow Canadian regulations
maintain transparent disclosures
communicate fairly with borrowers

✔ Periodic Reviews

Lenders may be re-evaluated periodically to ensure they continue to meet our standards.

When a Lender Is Removed

A lender may be suspended or removed from our network if they:

receive repeated verified complaints from borrowers
fail compliance or regulatory checks
misrepresent loan terms or fees
engage in misleading or aggressive practices
violate Canadian consumer protection laws

Our priority is protecting users — not maintaining partnerships.

Types of Lenders in Our Network

Our network includes different types of lenders to support a wide range of borrowers.

Prime & Near-Prime Lenders

Offer lower rates for borrowers with stronger credit profiles.

Alternative Lenders

Focus more on:

income
banking activity
affordability

These lenders are often used by borrowers with:

fair or bad credit
limited credit history

Short-Term & Installment Lenders

Provide:

smaller loan amounts
fixed repayment schedules
structured terms

What Lenders Typically Look At

Lenders may assess several factors when reviewing applications:

income and employment
debt-to-income ratio
banking activity
credit history (depending on loan type)

Some lenders may use soft credit checks, which do not impact your credit score.

Understanding Loan Costs in Canada

Loan costs vary depending on your profile and the lender.

Typical ranges include:

Personal loans: approximately 9.99% to 35% APR
High-cost short-term loans: $14–$17 per $100 borrowed

Your actual rate depends on:

credit profile
income
loan term
lender policies

Always review:

total repayment amount
payment schedule
fees and penalties

before accepting any loan.

Your Rights as a Borrower

Canadian borrowers are protected by federal and provincial laws.

You have the right to:

receive full cost-of-borrowing disclosure
understand loan terms before signing
be protected from unfair practices

Learn more about your rights and responsibilities.

Our Role as a Loan Matching Service

FatCat Loans:

connects borrowers with lenders
does not issue loans
does not set rates or terms
does not guarantee approval

We earn a commission from lenders only when a loan is funded.

There is no cost to you for using our platform.

Fraud & Safety Warning

Be cautious of scams.

Legitimate lenders and FatCat Loans will never:

ask for upfront fees
guarantee loan approval
request payment to release funds

If someone claims to represent FatCat Loans and asks for money, it is likely fraudulent.