Affiliate Disclosure

How We Earn Revenue

Money Loans operates as an affiliate referral service. When you submit an application through our website, we refer you to one or more licensed lenders in Canada. If you complete an application with a lender partner, that lender may pay us a referral commission. This commission does not increase the cost of your loan or affect the terms you receive directly from the lender.

Our revenue model is based entirely on successful referrals. We do not charge you any fees for using our service, and we do not sell your personal information to third parties for marketing purposes.

Our Lender Partners

We work with a network of licensed lenders across Canada who offer fast e-transfer money loans for all credit situations. Each lender partner we recommend is licensed to operate in the provinces where they lend. We do not endorse any lender as "better" than another; rather, we aim to match your application with lenders most likely to approve it based on your circumstances.

Lender partners may change from time to time as our network evolves. The specific lenders you are referred to may vary depending on your province, credit profile, and loan amount requested.

Affiliate Relationships and Bias

Because we earn commissions from lender referrals, there is an inherent financial incentive for us to refer you to our partners. We acknowledge this potential conflict of interest. To manage it, we commit to:

• Providing honest, accurate information about the lending process and what to expect
• Clearly explaining that we are a referral service, not a lender
• Never guaranteeing approval or misrepresenting lender terms
• Referring you only to licensed lenders operating legally in your province
• Maintaining transparent rating and selection criteria for our partners

What We Do Not Do

Money Loans is not a lender. We do not:

• Make lending decisions or approve or deny loans
• Set interest rates, fees, or repayment terms
• Hold your funds or process payments
• Guarantee any specific loan amount or approval outcome
• Charge you for using our referral service
• Sell your data to third-party marketers for profit

All lending decisions, rates, and terms are determined solely by the licensed lender you are referred to.

Your Data and Privacy

When you submit an application through Money Loans, your information is shared with one or more of our lender partners so they can assess your eligibility and provide you with loan options. For details on how we collect, use, and protect your personal information, please review our Privacy Policy.

Lender partners are bound by their own privacy obligations under Canadian privacy law. We recommend reviewing each lender's privacy statement before completing your application.

Responsible Lending

Money Loans is committed to responsible lending practices. We only refer to lenders who comply with provincial lending regulations and consumer protection laws across Canada. We also encourage all borrowers to review our Responsible Borrowing Guide before taking on any new debt.

If you have concerns about a lender or believe you have been treated unfairly, we encourage you to contact your provincial financial regulator or consumer protection office.

Editorial Independence

Money Loans is reviewed and maintained by Terri, our editorial lead. While we do earn commissions from referrals, our editorial content—including our guides, FAQs, and borrowing resources—is created to serve your interests first. We aim to provide honest, practical information to help you make informed decisions about borrowing.

Our rating methodology is based on transparency, licensing compliance, and customer experience, not on commission size.

Changes to This Disclosure

We may update this Affiliate Disclosure from time to time to reflect changes in our business model, lender partnerships, or applicable law. We encourage you to review this page periodically. Your continued use of Money Loans after any changes constitutes your acceptance of the updated disclosure.

For questions about this disclosure or our affiliate relationships, please contact us through the information provided on our website.