Please read these Terms and Conditions (“Terms”) carefully before using the Maple Loan Hub website located at mapleloanhub.ca (“Site”) or submitting any loan application through our service.

By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.

1. About Maple Loan Hub

Maple Loan Hub (“we,” “us,” “our”) is a Canadian loan matching service. We are not a lender. We do not make lending decisions, set interest rates, determine loan terms, or disburse funds. We connect borrowers with third-party licensed lenders who operate independently of Maple Loan Hub.

Any loan agreement entered into as a result of our matching service is solely between you and the lender. Maple Loan Hub is not a party to that agreement.

2. Eligibility

To use this Site and submit a loan application, you must:

  • Be a Canadian resident
  • Be at least 18 years of age (19 in provinces where the age of majority is 19)
  • Have a valid government-issued ID
  • Have a regular source of income
  • Hold an active Canadian chequing account
  • Agree to these Terms and our Privacy Policy

By submitting an application, you represent and warrant that you meet all eligibility requirements.

3. No Guarantee of Approval

Submitting an application through Maple Loan Hub does not guarantee that you will be matched with a lender or approved for a loan. Lender matching and loan approval are subject to each lender’s own underwriting criteria, your creditworthiness, provincial regulations, and lender availability in your region.

We make no representations or warranties regarding the likelihood of approval.

4. Loan Terms Are Set by Lenders

All loan amounts, interest rates, fees, repayment schedules, and terms are determined exclusively by the matched lender — not by Maple Loan Hub. Before accepting any loan offer, you are responsible for:

  • Reading the full loan agreement provided by the lender
  • Understanding the total cost of borrowing, including APR and all fees
  • Confirming the repayment schedule and due dates
  • Asking the lender any questions before signing

You are never obligated to accept a loan offer. Declining an offer through our platform carries no penalty and will not affect your credit score.

5. Our Service Is Free to Borrowers

There is no fee to use Maple Loan Hub’s matching service. We receive compensation from lenders in our network in the form of referral fees when a successful match is made. This compensation does not influence the loan terms offered to you — those are set by the lender independently.

6. Accuracy of Information

You agree to provide accurate, complete, and truthful information in your application. Submitting false or misleading information:

  • May result in rejection by lenders
  • May constitute fraud under Canadian law
  • May result in immediate termination of your access to our services

Maple Loan Hub reserves the right to verify the information you provide and to decline or cancel any application where inaccuracies are detected.

7. Third-Party Lenders

Lenders in our network are independent third parties. Maple Loan Hub does not control, endorse, or assume responsibility for:

  • The lending decisions made by any lender
  • The accuracy of information provided by lenders
  • The conduct, practices, or compliance of lenders
  • Any disputes arising between you and a lender

All lenders in our network represent that they hold the required licenses and comply with applicable provincial consumer protection legislation. However, Maple Loan Hub does not independently verify ongoing compliance and assumes no liability for lender conduct.

If you have a complaint about a lender, contact the applicable provincial consumer protection authority.

8. Responsible Borrowing

We strongly encourage responsible borrowing. Before applying, please consider:

  • Whether a loan is the right solution for your financial situation
  • Whether you can comfortably afford the repayments
  • Whether lower-cost alternatives are available to you

If you are struggling with debt, please contact a non-profit credit counsellor. Credit Counselling Canada (creditcounsellingcanada.ca) offers free guidance.

9. Intellectual Property

All content on this Site — including text, graphics, logos, icons, and design elements — is the property of Maple Loan Hub or its content licensors and is protected by Canadian copyright law. You may not reproduce, distribute, or use any content from this Site without prior written permission.

10. Disclaimer of Warranties

This Site and its services are provided “as is” and “as available” without warranties of any kind, express or implied. Maple Loan Hub does not warrant that:

  • The Site will be available at all times or free from errors
  • The information on the Site is complete, accurate, or current
  • Any specific loan amount or terms will be available to you

11. Limitation of Liability

To the maximum extent permitted by applicable Canadian law, Maple Loan Hub shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

  • Your use of or inability to use this Site
  • Any loan obtained through our matching service
  • Any actions or omissions of third-party lenders
  • Errors, omissions, or inaccuracies in Site content

12. Indemnification

You agree to indemnify and hold harmless Maple Loan Hub, its officers, employees, and partners from any claims, losses, damages, or expenses (including legal fees) arising from your use of our Site, your application submission, or your violation of these Terms.

13. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it at mapleloanhub.ca/privacy-policy.

14. Governing Law

These Terms are governed by the laws of the province in which Maple Loan Hub is registered and the federal laws of Canada applicable therein. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of that province.

15. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated “Last Updated” date. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

16. Contact Us

For questions about these Terms:

Email: legal@mapleloanhub.ca Website: mapleloanhub.ca/contact Mailing Address: [Insert registered business address]