We’re in the
personal goals business.

What if we could start from scratch, and the concept of loans was brand new? Would you have to get them from a bank? Could we streamline the process to make it easy, fair, and friendly? Could technology make the products themselves more flexible and intuitive? So many questions. And we think we’ve discovered the right answers.

loan consolidation

Tua Consolidation

Old loans? High interest? Often debt seems too much to manage. It’s easy to take back control; consolidate the repayment of your debt into one convenient monthly payment. You deserve a clean slate.

credit loan

Tua Credit Loan

Canadians have the highest personal debt of the G8 countries. With credit card debt, most often at an APR of 19.99%, contributes to a stressful existence. It’s simple to pay it off with a lower rate and move on.

coming soon

Tua Patron Loan

Coming Soon!

You supply the hard work; we’ll help supply the finances.

Tua Self Improvement Loan

If all that stands between you and a better future is a little education, you owe it to yourself to pursue it. You supply the hard work; we’ll help supply the finances. Life is real, keep it simple.

home improvement loan

Tua Home Improvement Loan

Take advantage of lower interest rates to make improvements that make your home more liveable and more attractive when you want to sell. Get your cash quickly and at a reasonable rate, so you can focus on life’s realities.

wedding loan

Tua Wedding Loan

Love knows no barriers, and that includes the ability to pay for a wedding. We like when folks settle down — that’s a future we want to be part of. Now you can focus on the event and not your finances, bringing you peace of mind.

  • Get a loan for up to $1,000 in 3 easy steps.

At Tua, we make finances simple. We observed an opportunity in the market: people wanted a better loan application process. So, we set out to improve loan applications by using proprietary technology, and the power and reach of the internet to make it easier for everyone. Not for nothing, but you’re going to love the way we lend.

  1. Let's get to know you.

    Let's get to know you.

    When you register for your account (which is just fancy talk for introducing yourself) you’ll let us know some information. We’ll meet online. And just like an online dating website, we’ll get to know each other first, without any uncomfortable live interaction. We’ll keep it light. We’ll ask what you want to accomplish. Then, we’ll see if we can help. You’ll select the type of loan you’d like to apply for. And you’ll already be well on your way.

  2. Proof you are you

    Proof you are you.

    Once we know the amount of funds you require, we start the verification process. We use artificial intelligence, then if needed, we evaluate financial and banking info that measures whether we’re the right fit. We may also ask for ID verification.

  3. You're on your way

    You're on your way.

    Once we’re cool, the approved loan amount will be automatically transferred to your specified account within 24 hours, and an e-mail to tell you so. Once you’ve confirmed getting the funds, you can now use them to make your future a little brighter.

  4. Providing you with a loan is just the beginning

    We’re planting seeds.

    Providing you with a loan is just the beginning — we also want you to succeed, so that if you ever need to borrow again, you’ll think of us. That’s why we provide a bunch of ongoing support, including:

    A 24-hour communication system is always ready and waiting for you

    Top financial advice, through informative blogs and videos right here on this site

    Each on-time payment results in a charitable contribution (because we believe others have potential too)

    See? Pretty simple and efficient. We knew we could make an application process that takes the pointless difficulty and weirdness out of getting a loan. Now, you can get on with your life.

Rates & Fees

Most loans have the option of 3,6,9 or 12 month terms.

  • There is no down payment and never a prepayment penalty
  • Actual rate depends on credit score, loan amount, loan term, credit usage, and history
  • Interest Rate ranges from 12.00% to 29.99%

Origination fee ranges from 2.5% – 6% which will be deducted from the total loan amount applied for.

We offer some of the best rates in the industry with the lowest fees.


Ultimately, we will offer products in the majority of Canada’s provinces and territories. Currently, we offer loan products in Alberta and British Columbia, and financial education across all provinces and territories. Register for our newsletter to receive updates as we expand our services.

Tua is an online lending and financial education platform that helps responsible Canadians like you fulfill their potential and pursue their passions with personalized and reasonably priced financial products. Developed for Canadians, Tua augments traditional credit processes with a more human approach.

Tua uses a combination of analytical metrics, including traditional FICO/credit scoring methods which looks to your past behaviours, use of credit, employment history, and other factors, coupled with artificial intelligence to broaden our perspective and allow our team to measure your potential. Our lending partners are prepared to provide capital at reasonable rates to those who demonstrate personal values, commitment, and ambition.

Our goal is to have your personalized quote to you within 24 hours. The time is takes to provide a quote is mostly influenced by the time it takes to receive required materials from the applicant. Our customer service is available to assist applicants with any questions they may have and to ensure things proceed in a timely manner.

More questions? Check out our full FAQ page

View FAQs