Your bank isn't the only place to look. Get matched with exclusive subprime lenders that look beyond your credit score, with no hard credit check for your initial match.
Canadian residents · Free to check your options
Access a network built for people the big banks turned away.
Identity verification and initial matching don't hit your credit score.
See what lenders see, and simulate how changes could move your score.
Challenge items on your credit report that look wrong.
Talk through consolidation options and a mortgage partner when you're ready.
| Big bank | Credit Vault | |
|---|---|---|
| Looks at | Credit score first | Wider situation |
| Lenders | One | Network |
| First step | Hard inquiry | No hard check |
Three quick answers, then we take you to your options.
No hard check to match · Canadian residents
"My bank turned me down twice. I finally saw lenders that would actually talk to me."
Marcus T. · Edmonton, AB"The dispute portal helped me flag an error on my report. Worth it for that alone."
Priya S. · Mississauga, ON"Easy to use, and the score simulator showed me what to work on first."
Danielle R. · Halifax, NSIndividual experiences vary. Testimonials may be edited and are not a guarantee of results or approval.
Identity verification and initial matching don't involve a hard credit inquiry. A lender may run one if you choose to apply with them.
No. Credit Vault is an independent matching and credit-tools service. Lenders make their own decisions.
Access is through a paid membership. Terms and fees are shown clearly before you join.
Check your options in about a minute. You decide whether to move forward.
Explore My Lender OptionsCanadian residents · No hard check to match