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Andre Lapointe

Andre Lapointe is a credit and debt specialist who writes about credit scores, credit repair, and getting out of debt for Canadians at The Finance Guys. He focuses on practical, judgment-free steps readers can act on.
Chart of personal loan interest rates over time with a calculator in Canada

How Personal Loan Interest Rates Work in Canada (2026)

Andre Lapointe June 1, 2026

What sets your personal loan interest rate in Canada, how APR works, the 35% cap, and how to get a lower rate.

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