Search Promissory.ca
Search every page on Promissory.ca — loan guides, calculators, reference data and city information. Search runs entirely in your browser and nothing you type is sent to a server.
Popular searches
These are the questions readers look for most often. Each links to the page that answers it.
- How to get a personal loan in Canada
- What a payday loan costs in each province
- The federal payday loan cost cap
- Payday loan alternatives
- How to rebuild your credit
- Debt consolidation explained
- The mortgage stress test
- Minimum down payment in Canada
- CRA quarterly tax instalments
- What a promissory note is
Browse the site
- All loan categories
- All 111 guides
- All 16 calculators
- Reference data
- Provinces and territories
- Cities across Canada
What you can find on Promissory.ca
Promissory.ca has four kinds of page, and the search box above indexes all of them.
Loan category pages
Ten pages covering the main kinds of Canadian consumer credit: personal loans, instalment loans, payday loans, bad credit loans, car loans, business loans, debt consolidation, mortgages, home equity lines of credit, and emergency loans. Each explains what the product is, who it suits, what lenders look at, and what it costs.
Guides
111 longer articles that answer a single question in depth — how to get a personal loan, how the mortgage stress test works, what a payday loan costs in each province, how to rebuild damaged credit, how CRA tax instalments work, and what makes a promissory note legally binding, among others. Every guide is written for a Canadian reader and cites the official source behind each factual claim.
Calculators
16 tools that run entirely in your browser: a loan payment calculator, an APR calculator that folds fees into the true cost, a total-cost-of-credit calculator, a payday loan cost calculator using the federal $14 per $100 cap, a mortgage payment and affordability calculator that applies the OSFI stress test, a HELOC and home equity calculator, and a debt consolidation comparison. Nothing you type is transmitted to a server.
Reference data
Short, factual pages that state a single regulated figure with its publisher, source link and the date it was retrieved: the criminal rate of interest, the payday loan cost cap, payday rules by province, CRA tax instalment due dates, mortgage qualification rules, minimum down payments, and the Interest Act disclosure rule. Where no official figure exists, the page links to the source instead of estimating.
City and province pages
Local pages for 721 Canadian communities across all thirteen provinces and territories. Each city page sets out the provincial rules that apply to borrowers there, the loan categories available, what a payday loan costs, and links to nearby communities.