Ontario-Based · FINTRAC & FSRA Registered
From $1,000 to $50,000. Prime to subprime. Synergy One Lending delivers fast, transparent, and dignified personal credit to Ontarians overlooked by traditional banks.
Why Synergy One
Big banks decline millions of near-prime and subprime Canadians. Payday lenders exploit them. We built Synergy One Lending to be the honest middle ground.
Same business-day decisions for prime borrowers, 24–48 hours for near-prime and subprime.
We lend across the full credit spectrum, from prime to near-prime to subprime, not just the safest applicants.
Every fee, rate, and repayment date disclosed up front in plain language, with no surprises.
We treat every borrower with dignity and respect, regardless of where they fall on the credit spectrum.
Loan Products
A single unsecured personal installment loan, priced to your credit profile. All rates comply with Canada's Criminal Code 35% APR ceiling.
How It Works
Complete our secure application in 8–12 minutes and upload your ID and income documents.
A quick, secure identity check protects you and satisfies federal AML requirements.
Same business day for prime borrowers; 24–48 hours for near-prime and subprime.
Review and e-sign your agreement, then receive funds by Interac e-Transfer, often within hours.
Common Uses
Replace multiple high-interest debts with one manageable payment.
Fund renovations and repairs without draining savings.
Cover out-of-pocket healthcare costs when you need to act fast.
Keep moving with financing for a new ride or urgent repairs.
Bridge an income gap or unexpected cost with a clear repayment plan.
Finance education, relocation, or family milestones on your terms.