FindMyRate Blog

Financial guides by category.

Financial guides in English and French for loans, credit cards, mortgages, insurance, banking, debt relief, and borrowing decisions.

Featured blog posts

Start with the high-intent guides.

Featured blog post

Personal loan approval checklist for Canadians

Use this Canadian personal loan approval checklist to review income details, documents, credit factors, and lender questions before you apply.

Personal Loans personal loansloan approvalborrowing

Credit Cards

Best cashback credit card categories to compare first

Learn which cashback credit card categories to compare first, from groceries and gas to recurring bills, dining, and flat-rate rewards.

Credit Cards cashback cardscredit cardsrewards

Mortgages

Mortgage renewal questions to ask before you lock in

Ask smarter mortgage renewal questions about rates, penalties, prepayment privileges, portability, and timing before you lock in.

Mortgages mortgage ratesrenewalhomeowners

Debt Relief

Debt relief warning signs and questions to ask

Review debt relief warning signs, debt settlement claims, fees, timelines, credit impact, and key questions to ask providers.

Debt Relief debt reliefdebt settlementconsumer debt

Business Loans

Business loan documents lenders may ask for

See which business loan documents lenders may request, including revenue records, bank statements, identification, and working capital details.

Business Loans business loansworking capitaldocuments

Banking

Savings account rates: what to check besides the headline

Compare savings account interest rates beyond the headline, including promo terms, regular rates, transfer limits, and account access.

Banking savingsinterest ratesbanking

All posts

Blog post list.

Personal Loans

Debt consolidation vs. personal loans: what to compare

Compare debt consolidation and personal loans in Canada, including repayment terms, total borrowing cost, eligibility, and when each option may fit.

Personal Loans debt consolidationpersonal loansrepayment

Personal Loans

Cash advance options: questions to ask before you apply

Review cash advance fees, timing, repayment terms, risks, and alternatives before applying for short-term borrowing in Canada.

Personal Loans cash advanceshort-term loansfees

Credit Cards

Travel credit card perks that can actually matter

Compare travel credit card perks that can matter in Canada, including points, airport lounge access, insurance, foreign fees, and welcome bonuses.

Credit Cards travel cardspointsinsurance

Credit Cards

Credit cards for bad credit: secured vs. unsecured options

Compare secured and unsecured credit cards for bad credit, including deposits, fees, credit bureau reporting, and responsible card use.

Credit Cards bad creditsecured cardscredit building

Credit Cards

No foreign transaction fee credit cards: what to compare

Compare no foreign transaction fee credit cards in Canada, including FX savings, annual fees, rewards, travel insurance, and acceptance abroad.

Credit Cards no FX feestravel cardscredit cards

Credit Cards

Student credit cards: first-card checklist for Canadians

Review student credit card basics in Canada, including fees, limits, rewards, credit reporting, eligibility, and responsible first-card habits.

Credit Cards student cardsfirst cardcredit building

Credit Cards

Low-interest credit cards vs. balance transfers

Compare low-interest credit cards and balance transfer cards in Canada, including purchase rates, promo periods, transfer fees, and repayment plans.

Credit Cards low interestbalance transfercredit card debt

Mortgages

Refinancing a mortgage: costs to compare

Compare mortgage refinancing costs in Canada, including rates, penalties, fees, amortization changes, and monthly payment tradeoffs.

Mortgages refinancingmortgage costshome equity

Mortgages

Home equity loan vs. line of credit: what is different?

Understand home equity loans versus lines of credit, including lump-sum borrowing, revolving credit, payments, rates, and homeowner tradeoffs.

Mortgages home equityHELOChomeowners

Debt Relief

Debt settlement vs. debt consolidation

Compare debt settlement and debt consolidation, including repayment plans, credit impact, fees, timelines, and important tradeoffs.

Debt Relief debt settlementdebt consolidationrepayment

Auto Loans

Car loan payment factors beyond the monthly number

Look beyond the monthly car loan payment by comparing interest rates, loan term, down payment, fees, total cost, and refinancing options.

Auto Loans car loansauto financingpayments

Banking

Chequing account fees to compare before switching

Compare chequing account fees in Canada, including monthly charges, transaction limits, ATM access, overdraft costs, and welcome offers.

Banking chequingbanking feesaccounts

Banking

Bank promotions in Canada: what to check before switching

Compare bank promotions in Canada by reviewing bonus conditions, direct deposit rules, minimum balances, monthly fees, and expiry dates.

Banking bank promotionschequingwelcome bonuses

Insurance

Auto insurance renewal checklist

Use this auto insurance renewal checklist to compare coverage, deductibles, discounts, claims history, and policy changes before renewing.

Insurance auto insurancerenewalcoverage

Insurance

Term life insurance basics for first-time shoppers

Learn term life insurance basics for first-time shoppers, including term length, coverage amount, beneficiaries, premiums, and quote comparison.

Insurance life insuranceterm insurancecoverage