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Join 3 million members and access your free credit score. Get personalized tips, tools and offers that fit your profile and help you meet your financial goals.

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  • Over 3 Million have gotten their free Credit Score Report

    3 million happy Borrowell members.

  • Borrowell is  first to offer free credit monitoring in Canada.

    Borrowell is proudly Canadian and was first to offer free credit scores in Canada.

Top 5 Reasons Why Canadians Love Borrowell

As Canada's leading credit education company we offer more than just free credit scores!

  • Free Credit Score Tracking

    Free weekly credit score and report monitoring.

  • Borrowell has bank level security

    Bank level security with 256-bit encryption.

  • Personalized Product Recommendations graphic

    Personalized financial product recommendations.

  • Animated credit coach giving free credit check, improvement tips and education

    Free credit improvement tips and education.

  • Thumbs up icon depicting no hard hit with Borrowell

    Checking your score with Borrowell won't hurt it!

3 Million Canadians Trust Borrowell

  • Profile Picture - African American Female

    Courtney M.


    5 Stars

    Love this! I was a little skeptical at first but it tells you who you still owe and how much. Currently using this to view my credit and pay off what I owe.

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    Andrea B.


    5 Stars

    I have been using Borrowell for over a year now and I am a happy customer. I get the real deal on my credit and good advice also!

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  • Profile Picture - Caucasian Male

    Ashvin G.


    5 Stars

    Excellent service. Recommend to understand your finance and banking accounts, debt control, loan utilization to build a good credit score for lending purpose.

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How Does Borrowell Work?

Sign up with Borrowell in just under three minutes

Free Weekly Credit Monitoring

Sign up in just 3 minutes for free access to your Equifax credit score and report, which we update every single week.

Credit Improvement Education

Credit Education

The first in Canada, our AI-powered Credit Coach helps you understand your credit score and gives personalized tips that may help you improve it.

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Product Recommendations

Compare financial products from over 75+ partners and get personalized recommendations based on your credit profile.

Your Credit Score and Report - All in One Place!

How to Check your Credit Score in Canada

You can get your Equifax credit score and credit report for free with Borrowell! Check your credit score or download your credit report whenever you'd like. Receive weekly updates on how your score has changed, get personalized tips how to improve your score, and find the best financial products that match your profile. Checking your credit score with Borrowell doesn't hurt it.

Get Your Credit Score

Is All This Really Free?

Yes, it's really free. We make money by analyzing your credit profile to suggest the best financial products for you from over 50 different companies. If you take one of our recommendations, that partner pays us a referral fee. Not interested? We're still happy to provide your free credit score!

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Borrowell is Proud!

Number 1 Credit Education Company graphic

#1 Credit Education Company

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Bank level 256-bit encryption security

Borrowell has over 50 plus partners

50+ Financial Product Partners

Find The Best Product For You

Borrowell helps to get Personal Loans in Canada based on your credit report.


Borrowell helps thousands of Canadians easily access loans that suit their financial profile.

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Credit Cards

Explore recommendations for the best credit card to meet your needs.

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Borrowell allows you to compare mortgage rates for free in canada.


Compare mortgage providers to find the best rates in Canada.

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More Products Available

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How to invest your money according to your financial profile


Our Trusted Partners

Here are some of the top financial institutions that we partner with to offer customers the best product recommendations to achieve their financial goals.

  • Amex
  • Capital One
  • BMO
  • Scotiabank
  • EQ Bank
  • National Bank
  • Stnce logo
  • SympleLoans

More Credit Score Resources

COVID-19 Impact on Credit Scores and Missed Bill Payments

COVID-19: Impact on Credit Scores and Missed Bill Payments by City [Study]

To understand how credit score and missed payment trends across Canada have changed during COVID-19 measures, Borrowell, a fintech company that offers free weekly credit score updates, analyzed credit scores and credit reports of 1,015,369 Canadians, including those in 20 of the largest cities in Canada from Q1 2020 to Q1 2021.

The Borrowell Team

Apr 29, 2021

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How much does my credit score drop if I miss a payment - image

Payment history makes up 35% of your score. One late bill payment can decrease your credit score by up to 150 points, according to Borrowell data.

Evan Miersch

Jan 28, 2021

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8 Tips to Improve Your Credit Score

Here are eight tangible steps you can take to improve your credit score. Your credit score directly impacts your ability to get approved for financing, including credit cards, loans, and mortgages.

The Borrowell Team

Feb 04, 2021

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Credit Scores vs. Credit Reports: What is the Difference?

Many people use the terms credit score and credit report interchangeably. Although the two are related, credit scores and credit reports are in fact different from each other.

Sean Cooper

Apr 06, 2021

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How Do I Read My Credit Report?

Your credit report paints a picture of how financially responsible you are. You should regularly review your credit report, as lenders look at your report before approving you for credit products. Reading your credit report can be overwhelming and confusing, but it doesn’t have to be! Here’s a clear breakdown of how to read your credit report, including what information is in it, what this information means, and how long this information stays on your report for.

Evan Miersch

Jan 08, 2021

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A woman sitting at a desk with a laptop drinking coffee

Since Borrowell offers free credit reports for Canadians – we get asked all the time: “How long does information stay on my credit report?”

Rachel Surman

Jan 03, 2024

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What Credit Score is Needed for a Car Loan?

When it comes to providing car loans, Canadian lenders typically approve consumers with a credit score of 630 or above.

Gaurav Pokharel

Feb 27, 2021

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What Credit Score is Needed for a Mortgage?

A credit score of 680 or above is required to qualify for the best mortgage rates in Canada in 2024.

Sean Cooper

Dec 29, 2023

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What’s The Difference Between Hard And Soft Credit Inquiries?

Not all credit inquiries are created equal and they impact your score in different ways. Here's a closer look at the differences between hard and soft credit inquiries.

Janine DeVault

Jan 18, 2024

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