Without hurting your credit score, get your no obligation line of credit pre-approval in 3 minutes.

I need $

without affecting your credit score


If you need to borrow, do it responsibly

Sometimes we need credit — it happens. The key is to not make it a habit and to use it responsibly. With MogoMoney, get a pre-approval that doesn’t impact your credit score and a transparent loan experience that can help you get debt-free faster.

Take the stress out of borrowing

Get your no-obligation line of credit pre-approval in just 3 minutes. Have a question about your loan? Chat online with our Mogo Product Specialists!


How it works

Get pre-approved fast

Get your no-obligation line of credit pre-approval in just 3 minutes when you create a MogoAccount.

Get funded quickly

Apply online from your MogoMoney dashboard. Chat with our friendly Product Specialists if you have any questions.

Stay on track

We know you’ve got a lot going on, so we’ll send you Smart Alerts with regular reminders about payments and important info. Yes, your loan pretty much has a personal asisstant.

Level up

With on-time payments you could Level Up, which gives you access to higher loan amounts. Get rewarded for being in control of your finances. Who else does that? Learn more about Level Up.

Test drive your loan for 100 days

Most of our loans include a 100-day test drive. If you don't love your loan experience in the first 100 days, just pay back your principal and we'll refund any fees or interest you've already paid.

But wait, there’s more!


Flexible terms

All of our loans can be paid off in full at any time with no penalty.


Your info is safe

Everything is encrypted and uses bank-level security.

What people are saying

Join 1,800,000+ Canadians
Get Pre-approved