Affiliate Disclosure
E transfer Loans Canada is a referral and information service, and we earn commissions when you apply through our platform. Here's how our business model works and how it affects you.
How We Make Money
E transfer Loans Canada operates as a referral service connecting borrowers with licensed payday lenders across Canada. When you complete an application through our platform and are matched with a lender, that lender pays us a referral commission. This is how we sustain our service and keep our information free to you.
We do not charge you any fees for using our service, and your cost of borrowing is not affected by our commission. The interest rates, fees, and terms you receive are set directly by the lender you work with, not by us.
Our Lender Partners
We partner with multiple licensed payday lenders and alternative credit providers operating across Canada. Each lender is responsible for their own lending decisions, underwriting, and loan terms. We do not guarantee approval, set lending criteria, or control the final terms any lender offers you.
Our role is to provide accurate information about the lending process, help you understand your options, and connect you with lenders who may be able to help. All credit situations are welcome to apply.
No Bias in Our Recommendations
While we do receive referral payments, we aim to present lender options fairly and based on your circumstances. We do not rank or prioritize lenders solely because they pay higher commissions. Our goal is to connect you with a lender that fits your needs, not to maximize our own revenue at your expense.
If you have concerns about how we present options or if you'd like to apply directly to a lender without using our service, you are always free to do so.
Transparency About Our Content
Our guides, articles, and educational content are written to help you understand payday loans, credit, and borrowing responsibly. This content is reviewed by Jorge Paul and informed by our experience in the lending space. However, we are not lawyers or financial advisors, and nothing on this site constitutes legal or professional financial advice.
When we discuss loan products, rates, or terms, we do so based on general information and market knowledge. Specific terms vary by lender and your personal situation. Always read the full terms and conditions before signing any loan agreement.
Your Privacy and Data
When you apply through our platform, your information is shared with lenders to process your application. For details on how we collect, use, and protect your data, please see our Privacy Policy.
Lenders are responsible for their own privacy practices once they receive your information. We encourage you to review each lender's privacy policy as well.
Responsible Borrowing
Payday loans are short-term financial products designed for temporary cash needs. Before you borrow, consider whether you can repay the loan on your next payday and whether the cost of borrowing fits your budget. For guidance on responsible borrowing practices, see our Responsible Borrowing page.
Questions About This Disclosure
If you have questions about our affiliate relationships, how we operate, or concerns about a lender or application, please contact us directly. We're committed to being transparent about our business model and how it may affect the service you receive.
For more information about how we evaluate and rate lenders, visit our How We Rate page.