How do I get personalized loan strategies from Canadian lenders?

What "personalized" actually means

Most Canadian comparison sites show the same generic ranked list regardless of who you are. LoanIQ's AI engine matches your unique profile against each lender's published and observed qualification rules, then surfaces strategies tailored to your trade-offs.

The two-strategy framework

Profile inputs the AI uses

1. Loan type — personal, business, mortgage, auto, etc.
2. Loan amount — affects which lenders even play in your range
3. Credit range — broad band (Excellent, Good, Fair, Poor) — no exact score needed
4. Income & employment status — salary, hourly, self-employed, retired
5. Province — affects which provincially-licensed lenders are available
6. Special factors — homeowner status, time in business, down payment

Sample personalized output

Profile: $20,000 personal loan, Good credit (680–740), Ontario, $75K salary, employed 3+ years.

Difference over 5 years: Strategy A costs $4,500–$8,000 more in interest but is ~18% more likely to be approved.

Where to see your strategies

• Start the AI Loan Advisor and answer 5–7 questions
• Strategies appear on the results page alongside approval probability and rate band
• Save and share your strategies via secure link
• Apply with the matched lender through Smarter Loans

Pro tip

Run the AI Advisor twice — once with your real profile, once with an "improved" profile (e.g., debt paid down) — to see how much rate improvement is on the table. This becomes your roadmap for the next 3–6 months.