A Loan That Frees You, No Credit Check Required

Experience fast and flexible loans ranging from $300 to $2000, with the option to cancel without any fees within 48 hours if you’re not satisfied. We offer more than just a loan: we provide a dependable partnership to support you at every turn.

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Flexible deposit options*

*Instant Deposit in 30 minutes, Interac E-Transfer in 1 hour, Standard deposit by the same evening or the next day.

The Personalized Loans Difference

Your Financial Peace of Mind, Guaranteed

Personalized Loans is not just a lender; we’re your financial partner, here to support you in critical moments with a solution that truly stands out in the industry. Experience financial assistance designed for your reality, where your satisfaction is at the heart of our commitments.

Total Transparency

Offering clear financial solutions without any nasty surprises is part of our commitment. All costs and terms of your loan will be clearly explained before the agreement is finalized.

Flexibility

We commit to reviewing and adjusting your repayment plan if your financial circumstances change, ensuring your loan remains manageable and suited to your needs.

Commitment to Responsible Credit

Understanding the importance of responsible credit is key to good financial health. Our product is designed for occasional use, with full repayment expected within a few weeks.

What Sets Us Apart?

A History of Helping, Not Just Lending
We were among the first to make microcredit simple, fast, and accessible because we understand what it feels like to need a hand. So we’ve built our reputation on listening to real people and designing lending solutions that fit real lives. When you choose PL, you’re choosing an experience shaped by empathy from the pioneers who made quick online loans human.

Service That Feels Like Support
We don’t stop at lending. Our team listens, explains, and stands beside you because we believe a good loan is one that comes with understanding. Our customer service isn’t a department; it’s a promise that you’ll always be treated with respect, care, and clarity.

A Promise You Can Rethink
Life changes, and so can your mind. That’s why we give you 48 hours to cancel your loan application, no questions, no penalties, no pressure. It’s our way of saying we trust your judgment and we stand behind our service. Because putting your peace of mind first isn’t just good business; it’s who

Please note

Policy concerning responsible extension of credit

Applications go through an approval process to ensure the applicant has the means to fully reimburse their microcredit. This process may include, among others, verifying that your salary will cover borrow expenses, that you haven’t missed too many payments in the past, and that you don’t have a large number of microcredits already under way. Because of this obligation, we reserve the right to refuse applicants.Repayment term

Our microcredit repayment terms range from 12 to up to 18 weeks.Missed payments

Any payment refused by your institution for insufficient funds or another reason will incur a $55 feeRepayment example

Your $750 microcredit payable in 16 weekly instalments will cost you $72.92 per payment for a total of $1166.73.

This information is given as an example only and takes into account the guaranteed fees to be added to the borrowed capital. The guarantor determines its guaranteed fees at its sole discretion for each application, and the fees are separate from the capital and interest of the lender.No stains on the credit file

Your loan application will in no way affect your credit score with the credit agencies. Our collection department uses work methods you can rely on. What’s more, if you miss a payment, our collection agents will reach out to you to make additional payment arrangements, at their sole discretion.Be responsible!

Used responsibly, microcredits may be the right solution for you. However, they have higher interest rates and fees than loans obtained through a local chartered financial institution. This type of service should be used as infrequently as possible or in the case where no other alternative solution, at lower rates of interest, is available to you. Taking out several loans of this nature will burden you with debt and lead to serious financial trouble.Annual Percentage Rate (APR)

The annual interest rate is 19,99%.Amounts

Our microloans range from $300 to a maximum of $2,000.