Your next loan
is always approved with Spark.
Spark members never get denied. Start at a $100 approval and level up your borrowing power to $1,000 as you build your subscription streak.
Grow your loan power.
1
$100 sign-up incentive
Unlock a $100 loan offer instantly when you subscribe to Spark.
2
Unlock $250
Access a $250 personal loan two months into your subscription.
3
Grow to $500
Keep it up, and after 3 months of subscription, enjoy a $500 loan offer.
4
Reach $1000
Celebrate a $1,000 loan approval after six months of subscription.
Here's how Spark works.
Subscribe instantly,
no credit check
Access funds right away and skip the usual borrowing barriers for just a $9.99 bi-weekly subscription.
Grow your
borrowing power
Maintain your subscription and make payments on time to qualify for progressively larger loans.
Always-On
Loan Access
Start with a $100 loan on day one, and grow your access to $1,000 in just six months.
When lenders say
no, Spark says
let's go.
Compare
Traditional
Loans
Credit check
Cancel anytime
Guaranteed approval
Decreasing rates
Increasing amounts
Credit score monitoring
Still not sure?
We can help.
Spark is a platform that helps you build your credit history and get loans.
As you make successful and timely subscription payments, your loan eligibility increases incrementally. You can qualify for larger loans with potentially better interest rates over time.
The Spark subscription costs $9.99 bi-weekly. This includes access to additional financial tools like the Oscar AI financial assistant and credit monitoring services through Equifax. There's also an optional +$1 per year for a guaranteed loan eligibility program.
Yes, you can cancel your subscription at any time. This will not impact any active loans you currently have, but it will limit your ability to obtain new loans once your current ones are closed.
If a subscription or loan payment is missed, we will attempt to contact you to collect the payment via SMS. If the payment is not made, we will debit the standard payment amount at your next payment due date and extend the loan term accordingly.
Loan offers are automatically presented to you as you qualify based on your payment history. You can accept these offers via the app, and funds will be disbursed to your account.
In addition to qualifying for loans, your Spark subscription includes access to the Bloom app with the Oscar AI financial assistant and Equifax credit monitoring services, helping you stay on top of your financial health.
You can find links to the Mobile apps here: https://bloomapp.ca/
Start building loan power today.
Join Spark and finally get the loan access you deserve.