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Creditly X review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Creditly X suits Canadian borrowers comparing several loan types through a broker, especially those wanting soft prequalification or possible same-day funding. It charges no platform fee, with Creditly X listing an origination fee of 0 CAD (platform free to use, no fee charged by Creditly) and product fee of CAD 0.

Key facts

Best for
Comparing personal, payday, debt consolidation, credit line, car and secured loans through a Canadian broker.
Arrangement fee
0 CAD (platform free to use, no fee charged by Creditly)↗
Credit check
Soft prequal↗
Funding time
Some partner lenders can fund the same day↗
Lender type
Broker↗
Loan types
Personal, Payday, Debt-consolidation, Credit-line, Car, Secured↗
Credit needed
Fair↗
Legal entity
Creditly.ca↗
Headquarters
Canada↗
Support channels
Email↗
Features
Same-day funding
Official website
creditly.ca

Mortgages

Product fee
CA$0↗
Purpose
Remortgage, Home-equity↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Creditly X is a broker, giving borrowers access to partner lenders rather than lending directly.
  • It offers personal, payday, debt consolidation, credit line, car and secured loans.
  • Creditly X uses a soft prequal process and says the credit requirement is fair.
  • Some partner lenders can fund on the same day, as noted in Some partner lenders can fund the same day.

Cons

  • Support runs through email only, which may be less convenient for borrowers who prefer phone or live chat support.
  • Same-day funding depends on partner lenders, rather than being guaranteed for every application, according to Some partner lenders can fund the same day.
Creditly X

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Scored 8.3 / 10 by SumCue.

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Who it suits

  • Canadian borrowers who want to compare loans from partner lenders through one broker.
  • Borrowers with fair credit who want to understand their options through a soft prequalification process.
  • People looking for personal, payday, debt consolidation, credit line, car or secured loan options.

Who should look elsewhere

  • Cashspace may suit borrowers who want a direct fee comparison, with an origination fee of 0.
  • Creduma ES may suit borrowers who prefer an arrangement-fee structure with no advance commission and fees charged only when a real solution is obtained.
  • Sofkredit may suit borrowers seeking a mortgage-guaranteed loan arrangement, while Creditly X focuses on several loan types and remortgage or home-equity purposes.

How Creditly X compares

Where Creditly X is available

Available
Canada

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What types of loans does Creditly X offer?+

Creditly X lists personal, payday, debt consolidation, credit line, car and secured loans among its loan types. It also describes Creditly X as a broker, so applications may be assessed through partner lenders rather than by Creditly X alone.

Does Creditly X charge a platform fee?+

Creditly X states that the platform is free to use and that it charges no fee itself. Its stated origination fee is 0 CAD (platform free to use, no fee charged by Creditly), while the listed product fee is CAD 0. Partner lender charges may still apply to a loan offer.

What credit check does Creditly X use?+

Creditly X lists soft prequal and describes the credit requirement as fair. This means a prequalification process is used before a full lending decision by a partner lender.

Can Creditly X provide same-day funding?+

Creditly X says that Some partner lenders can fund the same day. That means some partner lenders may fund quickly, but the timing is not guaranteed for every application or every loan.

What support does Creditly X provide?+

Creditly X lists email through email. The stated support channels therefore centre on email rather than phone or live chat support.

Where is Creditly X based?+

Creditly X identifies its headquarters country as CA. Its legal entity is listed as Creditly.ca, and its loan information is presented for borrowers in Canada.

Sources

  • creditly.ca checked September 26, 2026

    Backs: Credit check, Credit needed, Features, Funding time, Lender type, Loan types, Arrangement fee, Product fee

    “most of our partners do not require credit checks to get financed”

  • creditly.ca/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “1 University Ave, Toronto, ON M5J 2P1”

  • creditly.ca/mortgage-heloc checked September 26, 2026

    Backs: Purpose

    “Creditly helped me find a crazy good rate when I was refinancing my mortgage”

  • creditly.ca/terms-conditions checked September 26, 2026

    Backs: Legal entity

    “The Website is owned and operated by Creditly.ca. ("Creditly", "we", or "us").”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Term, Representative example.

Creditly X

Creditly X

Comparing personal, payday, debt consolidation, credit line, car and secured loans through a Canadian broker.

8.3/10See alternatives