Stop juggling debts. Simplify into one easy payment
Have more than $5,000 in credit card and unsecured debt? Get a free consultation and see how to roll it into one manageable monthly payment.
Over $5,000 in Debt? Let's Get Rid of It
Add up your credit card debt and your other unsecured debt, like payday loans, medical bills and personal loans. Then a specialist calls you to go over your options.
This form is provided by our partner, Acquire Source, a lead referral company. Omni Loans and Acquire Source are not lenders. Options and approval are decided by the providers that review your request. Omni Loans may receive compensation when you apply through this form.
Replace multiple payments with one fixed amount every month.
No more juggling due dates, minimum payments, and different interest rates. One payment, one date, one plan — that's it.
Stop paying high credit card rates. Start saving.
Credit cards often charge 19–29% interest. Consolidating can lower what you pay, so more of your money goes to the debt itself.
A specialist calls you shortly after you apply.
During business hours you hear back fast. Apply after hours and you get a call the next day, with a free review of your debts and options.
What Exactly Is Debt Consolidation?
Debt consolidation is simple: you take out one new loan to pay off multiple existing debts — credit cards, store cards, personal loans, medical bills, or collections. Instead of five different payments at five different rates, you make one payment at one rate.
Before vs. After Consolidation
Debt Consolidation May Be Right If You…
Juggling Multiple Debts
You're making payments to three or more creditors every month and struggling to keep track of due dates, balances, and minimum payments.
Paying High Interest
Your credit card rates are between 19–29% and most of your payment goes toward interest instead of actually reducing your balance.
Want a Clear Payoff Date
You're tired of the revolving door of credit card debt. You want to know exactly when you'll be debt-free — and see progress every month.
Feeling Overwhelmed
Debt stress is affecting your sleep, relationships, or daily life. Simplifying into one manageable payment can bring immediate relief.
Missing Payments
With multiple due dates, it's easy to miss one. Late payments hurt your credit score. One payment means one date to remember.
Owe More Than $5,000
Your credit card and unsecured debt adds up to more than $5,000. That's when consolidating makes the biggest difference.
Get Funded in 3 Simple Steps
Because borrowing money shouldn't be complicated.
Tell Us About Yourself
Complete quick online application — just the basics. Your name, contact info, and a few details. It takes 3 minutes and won't affect your credit score.
Pick Your Loan Amount
Choose how much you need between $300 and $30,000. We'll show you what you qualify for, your rate, and your payment options — no surprises.
Get Funded
Once approved, we deposit the funds directly into your bank account — often the same day. It's that simple. No branch visits, no paperwork.
How Much Could You Actually Save?
Most Canadians with multiple credit card balances are paying 19–29% interest. By consolidating into a single loan at a lower rate, you could save hundreds — even thousands — in interest charges over the life of the loan.
See Your SavingsExample: $15,000 in Credit Card Debt
Spread across 4 cards at 22% avg. interest — payoff in 4+ years with over $6,000 in interest.
One fixed payment at a lower rate — payoff in 48 months with clear end date and thousands saved in interest.
*Example for illustration purposes only. Your actual rate, payment, and savings will depend on your credit profile and loan terms.
Here's what you'll need
We request this information when you apply. We value your privacy, and we don't share your sensitive information with any third parties.
Apply NowActive online banking
Government issued ID
Proof of income
Proof of address
Financial Wins From People Like You
Thousands of Canadians have used Omni Loans to take control of their finances.
“I needed emergency funds fast. Omni Loans had me approved in minutes and the money was in my account the same day. The repayment plan is affordable and the team was incredibly helpful.”
“Used Omni Loans to consolidate three credit cards into one manageable payment. My monthly costs dropped significantly and I finally feel in control of my finances again.”
“As a newcomer to Canada, I was worried about getting a loan. Omni Loans made it easy — the process was fully online, Chloe answered all my questions, and I was funded the next day.”
Meet Chloe — Your Loan Assistant
Have questions about your application? Not sure which loan is right for you? Chloe is available 24/7 to walk you through the process, check your options, and get you to the right solution — instantly.
- Instant answers about loan amounts, rates, and eligibility
- Available by phone or chat — no wait times, ever
- Guides you through the application step by step
- Connects you to a human advisor whenever you need one
Your Questions, Answered
You apply online in about 3 minutes. We review your application, verify your identity and income digitally, and present you with loan options. Once you accept an offer, funds are deposited directly into your bank account — often the same day.
Omni Loans offers competitive rates starting from 9.99%*. Your actual rate depends on your credit profile, loan amount, and term length. We'll show you exactly what you'll pay before you commit — no hidden fees.
Yes. We believe you're more than your credit score. We consider your full financial picture — income, expenses, and ability to repay. Many Canadians with lower credit scores are approved every day.
If approved, you can receive funds as soon as the same day via direct deposit. Most applications are processed within hours, not days.
You'll need active online banking, a government-issued ID, and proof of income. Everything is verified digitally — no faxing, no mailing, no branch visits.
No. Submitting an application with Omni Loans does not affect your credit score. A full credit check is only done if you choose to proceed with a loan offer.
Chloe is our AI-powered loan assistant. She's available 24/7 by phone or online to answer your questions, explain your options, help you through the application, and connect you to a human advisor when needed.
Ready to Get Started?
Apply in 3 minutes. Get funded as soon as today. No obligation.