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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.
Wooden tiles spelling CREDIT illustrating how credit scores work in Canada

How Credit Scores Work in Canada: Essential 2026 Guide

Andre Lapointe June 18, 2026

By Andre Lapointe, Credit & Debt Specialist at The Finance Guys · Published June 18, 2026 · Last updated June 18, 2026 Credit scores in

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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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Person reviewing finances while considering a bad credit loan in Canada

How to Borrow With Bad Credit in Canada (2026)

Andre Lapointe May 30, 2026

How to borrow with bad credit in Canada: what to expect, your options, the 35% APR cap, avoiding guaranteed-approval scams, and rebuilding your score.

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