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Submit full application, get official approval & receive funds

Bad credit? No problem.
Borrow from $20,000 to $1,000,000.

Why choose PADS for your home equity loan?

  • Fastest approval time​
  • Competitive interest rates
  • Flexible repayment plans​
  • First and second rank mortgages
  • 100% online, secure & private​
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A home equity loan from PADS:

  • Can help you unlock funds for debt consolidation;
  • Improve your credit score, access funds for emergencies, home renovations & much more with PADS;
  • Get up to 70% loan-to-value (LTV) with a PADS home equity loan. No credit score minimum;
  • Can help you take control of your finances once and for all.

Discover your borrowing limit and interest rate in minutes with a quick quote from PADS

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Trusted Canadian lender

Member of the Canadian
Lending Association

Loans of up to
$1,000,000

Competitive rates for
private lending

Terms and conditions:

Loan quotes provided are not to be construed as an official offer, but rather as estimates based on publicly and collected available information. Any additional information obtained upon submission of a full loan application is subject to evaluation and may result in changes to the loan quote.

Mortgages:

Interest Rates on mortgage loans range from 9.99%-17.99%, with a minimum loan term of 3 months and a maximum term of 36 months. Loan amount ranges from $20,000 to $1,000,000 for a first or second rank mortgage. Your actual APR will vary based on individual factors including province/territory, the details of your credit report and financial situation, loan type and services provided in order to secure the loan including administration fee, appraisal fee, title fee and solicitor/notary fee. All fees are included in your loan commitment. PADS Financial is a mortgage provider and is headquartered in Montreal, Quebec.