Reinventing mortgages

PADS is an online platform designed to assist qualified Canadians to obtain a mortgage.

Founded on strong AI, a robust technological platform and a network of Canadian private investors, PADS is revolutionizing the private lending landscape for Canadians.

mobile phone
home equity loaninterest rates
payment type

Our products​

Select the loan that's right for you and get approved in 24 hours with PADS.​

Home equity

Leverage the equity in your home to get a loan.

Learn more

Purchase

Secure your new property purchase with a loan.

Get notified

Refinance ​

Refinance your mortgage for greater financial flexibility.

Get notified

Home equity

Leverage the equity in your home to get a loan.

Learn more

Purchase

Secure your new property purchase with a loan from PADS.

Get notified

Refinance​

Refinance your mortgage for greater financial flexibility.

Get notified
arrow
arrow

Our partners​

equifax
flinks
repay
equifax
flinks
repay
arrow
arrow

The PADS advantage

Fast and easy

From the application process,
to disbursement and repayment,
all is done online, quickly and easily.

gray background
apply online nowarrow
approvedarrow
loan amount

Secure and private

The privacy and security of your personal information is our top priority. We've put in place robust standards for data privacy and security to ensure the most comprehensive protection of your personal information.

gray background
data privacyarrow
account
arrowsecure and encrypted

By Canadians for Canadians

Based in Montreal, Quebec, all of PADS’ loans are funded by Canadian investors.

gray background
arrowborrowers
pads
investorsarrow

AI technology

Canadians can turn to PADS when traditional lenders have turned them down. Our AI and underwriting models help qualify more Canadians.

gray background
ai technologies
aiarrow
making a decision
Apply now

Mortgage calculator

The choice is yours. You decide the term, the loan amount & the payment type. Consult the calculator to help you make an informed decision.

Consult the calculator below to help you make an informed decision.

info iconinfo icon

The amount of funds you require.

$

info iconinfo icon

Repay your loan in 3 to 36 months.

months

input value

info iconinfo icon

This will help estimate your interest rate.
‍

     :Strong: Steady income, above average credit score.

     :Average: Manageable debt, steady income, acceptable credit score.

     :Need help: Credit score challenges, many debts to consolidate.

info iconinfo icon

Monthly: Recurring payments once a month.
Bimonthly: Recurring payments twice every month.

info iconinfo icon

Interest only: Recurring payments include only the interest, while the final payment will cover the full loan amount.
Conventional: Recurring payments include both the interest and the principal.

Calculate

$

413.00

*Principal must be repaid at end of term

Please note that the provided payment is an estimated amount and is subject to change upon final approval. To obtain the precise payment amount, we encourage you to submit an application today.

Apply now
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

PADS helps thousandsof Canadians obtain home loans

Canadian business owners looking to leverage their property’s equity to secure a loan for a large purchase.

man with a laptop

Newcomers with no existing credit history looking to secure a mortgage loan and build their credit.

woman with a laptop

Canadians looking for alternative financing options to purchase a property.

couple

People looking to pay down their accumulated credit card debt or back taxes to achieve financial freedom.

couple
arrow
arrow

Newsletter from PADS Financial

Get the latest news from PADS Financial straight to your inbox!

Stay Informed, Join Now

Stay Informed, Join Now