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Mikeal Janifa

Mikeal Janifa writes plain-English guides on borrowing, credit, and everyday money for Canadians at The Finance Guys. He focuses on helping readers understand the real cost of a loan before they sign.
Loan agreement document on a desk representing online personal loans in Canada

How Online Personal Loans Work in Canada (2026 Guide)

Mikeal Janifa May 28, 2026

How online personal loans work in Canada: what they cost, the 35% APR cap, how to qualify, and how to choose a lender. A plain-English 2026 guide.

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