Without hurting your credit score, get your no obligation loan pre-approval in 3 minutes1.

Download the app to enjoy the best experience

Get your no-obligation loan pre-approval in just 3 minutes. Have a question about your loan? Chat online with our Product Specialist team!

A 100-day test drive

With most of our loans, if you don't love your loan experience within the first 100 days, just pay back your principal and we'll refund those first 100 days of paid interest and fees4.

Know your credit score for free

Get your Equifax credit score, which will be updated every month, all for free—no conditions, no other charges. Use it to track how your financial health is improving over time with Mogo’s unique dashboard.

Personal loans with rates for everyone.

With loans up to $35K5, we have a wide range of options for you, whether your credit background is awesome or meh.

An amount of CA$5,000 borrowed for 5 years.
Interest: CA$2,900 at an APR: 19.99%.
Total Amount Payable: CA$7,900 (variable)

Get smarter with MoneyClass

Our MoneyClass will show you some key ways to master your debt, so you can crush your debt sooner and get back to saving and building wealth.

"Everything is clear, you guys tell me exactly when I start my payments and when I stop, and exactly how much they are going to be."

Brian B on Mogo Money



Monitor and protect



Control your spending



Borrow responsibly



Save and invest wisely



Download the app to enjoy the best experience


1 - Free credit score is provided by Equifax and is only available to MogoAccount holders that have passed identity verification. The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties to assess your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties will take into consideration other information in addition to a credit score when evaluating your creditworthiness.

2 - Level Up offers are not currently available on any loans offered and funded by Partner Lenders. Level Up offers are pre-approval offers that may offer you the opportunity to lower your interest rate, increase your loan amount, or “top up” your loan amount. Level Up offers are based on information that indicates you could meet our underwriting requirements for the product offered and is conditional on your satisfactory on-time payment history and a stable credit profile determined at Mogo’s sole discretion. Your credit profile may include, but is not limited to, your credit score and external debt outstanding at the time of the Level Up review. Your current product must be paid in full to take advantage of new Level Up offer. The lowest rate eligible for MogoLiquid Level Up offer is 16.9%. Level Up offers are pre-approvals subject to Mogo's pre-approval terms and conditions. Underwriting requirements must be met to move forward with any Level Up offer which may include but is not limited to income verification and validation of MogoAccount information. Further documentation may be requested from you. Level Up offers are not guaranteed and Mogo reserves the right to make changes to the terms and conditions of the Level Up program at any time without notice to you.

3 - Source: Financial Consumer Agency of Canada ( These calculations are for illustrative purposes only and Mogo is not responsible for any errors, omissions, or misrepresentations.

4 - 100 day test drive is not available on MogoLiquid loans powered by third-party Partner Lenders.

5 - MogoLiquid Personal Loan: $500 to $35,000, 5.9% to 46.96% APR in BC, AB, MB, ON, NB, PE, NL & NS, not including optional services, terms of approximately 9 months to 5 years. O.A.C., minimum income requirements, identity and income verification, other conditions apply. Rates subject to change. Representative rate 22.9% APR.

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without affecting your credit score

Sometimes we need credit — it happens. The key is to not make it a habit and to use it responsibly. With MogoMoney, get a pre-approval that doesn’t impact your credit score and a transparent loan experience that will help you get debt-free faster, so you can get back to saving.

If you need to borrow, do it responsibly

Take the stress out of borrowing

With on-time payments, you could access lower rates or higher loan amounts2. When you open a MogoAccount, you get a personalized dashboard. Depending on your MogoMoney product, you could see your payment amount, progress, and more.

Get out of debt faster