Smart, Flexible Home improvement loans


Fast, affordable home improvement loans

Make your home improvement plans a reality.



Get a decision 24 hours a day in 10 minutes.



No bank visits, or intrusive document uploads.



Return your loan if you're not fully satisfied.



Flexible, no-fee loans tailored to your lifestyle

Renovating, updating, and improving your home can be one of the most efficient ways to grow the value of your investment. With a Personal Loan from Ferratum Money, you'll have access to funds to complete any home project without lengthy bank trips, or waiting weeks for a decision.

Our paperless, online loan allows you the flexibility and convenience to work with your financial health. We charge absolutely no fees to add additional payments, or to pay your loan off completely saving you even more. So whether you just moved in, or are finally ready to build your new dream kitchen - Ferratum Money can help, 24 hours a day.



Why you'll want a home repair loan from Ferratum

Affordable interest rates, flexible payment options, and the fastest most easiest way to apply 24 hours a day. Just some of the reasons thousands of Canadians have trusted Ferratum as their preferred lender.

Ferratum Money

From 18.9% APR

No documents

100% online

Funds in 24 hrs

Other lenders

25.5% to 59.7% APR


Finalize in branch

3 to 5 days

Forget the fees

Every Home improvement loan from Ferratum is 100% completely fee-free. Add an extra payment, or pay your entire loan off whenever you choose. No penalties or hidden charges. Only pay the interest.

No origination fee

Add extra payments

Pay off any time


We work with you

Welcome to the family

We're not your bank, we don't just see you as a credit score. Let us help you find a suitable financial plan that fits your needs and lifestyle.


Calculate your loan >



World-class Customer Care

Help every step of the way

Have a question? Our knowledgeable customer service staff are here to answer any questions you have during, and after your application.


Visit our Help Centre >



"Friendly service, quick turnaround, there when you need them."


"Fast, friendly, helpful. Highly recommended."


"Very happy with the fast and professional service I received."

      Read More Reviews      



Fastest deposits

At the speed of today

We're proud to say we have the fastest deposit times of any digital lender in Canada. Get funds deposited directly to your bank account in 24 hours or less.


See how fast >



Easy application

Effortless application

Complete your online loan application in 10 minutes, on any device, 24 hours a day. We'll give you an instant decision without leaving your couch.


Try It Now >



Trust, transparency, responsibility

Ferratum is a pioneer in digital and mobile financial services technology, currently operating in 25 countries, offering a variety of financial services including: digital consumer and business lending; mobile banking services; white label and partnered mobile bank platforms.

Ferratum Group is listed on the Prime Standard of Frankfurt Stock Exchange under the symbol 'FRU.'

      Learn more      

Start your project today

An online decision in 10 minutes, 24 hours a day.



Available for amazing people living in ON, BC, AB, NS, NB, NL. Borrowing amounts of $500 to $15,000 CAD from 6 to 60 months. Our interest rates start from 18.9% and are calculated based on your overall financial health. Apply to see your rate and how much you're approved for. Have more questions? Don't hesitate to chat with one of our Customer Care representatives.