By using cosigners.ca you accept these terms.

cosigners.ca is a brand, not a party to your loan

cosigners.ca is a brand and trading name used to operate this website. It is not a lender, a bank, a credit union, a broker, an agent, or a party to any loan or credit agreement you enter into, and it does not take responsibility for your loan.

We do not lend money. We do not set or negotiate rates, fees, or terms. We do not make credit decisions, collect payments, or administer any account. We have no control over, and accept no responsibility or liability for:

  • whether a lender approves or declines your application, or the reasons for that decision;
  • the interest rate, fees, term, or any other term of any loan you are offered;
  • the conduct of any lender, broker, or lending partner, including their collection practices;
  • the repayment performance of any borrower, co-signer, or guarantor;
  • any loss, cost, or damage arising from a loan or credit agreement you enter into.

Any loan you take out is a contract between you and the lender alone. Your rights and remedies in relation to that loan are against the lender, not against cosigners.ca. If you have a complaint about a loan or a lender, raise it with the lender directly and, where appropriate, with the lender's regulator.

Information, not advice

Content is general information. It is not financial, legal, tax, or credit advice, and it is not an offer of credit. You are responsible for your own decisions; obtain professional advice for your circumstances.

Accuracy

We work to keep information accurate and sourced, but laws, rates, and lender policies change. Verify anything important with the lender or the official source before relying on it.

Third-party links

We link to partners and official sources. We do not control third-party sites and are not responsible for their content or practices.

Advertising

We may be compensated when you apply through a partner link. See our disclaimer.

Limitation of liability

To the extent permitted by law, cosigners.ca is not liable for any loss arising from use of the site or reliance on its content.

Governing law

These terms are governed by the laws of Canada and the province in which the operator resides, without regard to conflict-of-law rules.

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Advertising disclosure: we may be paid a commission when you apply through a partner link on this site. This does not change what you pay. Submitting an enquiry does not guarantee approval. All applications are subject to the lender's own criteria, verification, and credit checks.