We help homeowners combine expensive debt into a single, lower payment.

Get Started
Pay off high-interest debt
Simplify your finances
Build your credit over time

We help homeowners combine expensive debt into a single, lower payment.

Pay off high-interest debt
Simplify your finances
Build your credit over time
Get Started

A consolidation loan can improve your financial health.

Avg monthly savings
$1,200
Number of bils
1 per month
Credit score
+25pt

We’ll get you approved.

We work with 30+ lenders and have a lender for every situation including bad credit, low income, and other challenges life may have thrown your way.

We’ll find your best offer.

We will go the extra mile to negotiate with several lenders on your behalf and get you the best offer you can qualify for.

We’ll find your best offer.

We will go the extra mile to negotiate with several lenders on your behalf and get you the best offer you can qualify for.

Get one simple payment that saves you money.

Our goal is to enhance your financial well-being. We offer unbiased advice to replace expensive debt with a lower interest loan that saves you money and simplifies your life.

How Lotly protects your financial health

Be debt free sooner

By leveraging your home's equity, you can access a lower interest rate. This allows you to save thousands in interest cost and get out of debt faster.

Build your credit score

Our credit building program combined with your dedication to on time consolidation loan payments will help rebuild your credit over time.

Upgrade in the future

We will keep an eye out to help you upgrade your loan when it’s appropriate. For example, if interest rates fall or your credit improves.

You’re not alone in this.

Around half (48%) of Canadians are affected by consumer debt, and find it challenging and stressful to pay off their debt due to high living costs and other financial needs. We’re here to help.

Advice on demand.

Dealing with multiple debts can be stressful, but we’re here for you. Our dedicated agents are fiduciaries. This means we work in your best interest, and we’re here when you need us.

Call: 647 254 0780
Hours: 8am - 6pm

Advice on demand.

Dealing with multiple debts can be stressful, but we’re here for you. Our dedicated agents are fiduciaries. This means we work in your best interest, and we’re here when you need us.

Call: 647 254 0780
Hours: 8am - 6pm

Hear from our customers

Victoria J
Thank you – I am incredibly appreciative of your efforts to ease my concerns, and keeping me well informed every stop of the way.
Jennifer A
I think I’m still in shock. I didn’t think it would happen and the financial stress has been impacting my health. I see a light and I’m so grateful.
Umar N
Great service; they helped us find a low-rate mortgage that fit our needs perfectly.
Pina G
My experience with Lotly was nothing but fantastic. The agent was friendly, efficient and sympathetic to my situation. She did everything possible to meet my needs. Highly recommend.
Jennifer A
I think I’m still in shock. I didn’t think it would happen and the financial stress has been impacting my health. I see a light and I’m so grateful.
Crystal K
I just want to say how absolutely amazing it was to work with Lotly! They went over and above to get us what we needed, kept me in the loop with the whole process and was always available when we need clarification on anything.
About Lotly.com
Lotly’s mission is to help Canadians stop the debt spiral. We specialize in consolidation loans that help homeowners combine expensive debt into a single, lower payment. We also give homeowners access to fair and stable loans. Our approach focuses on long-term financial health — we give you the cash you need today and protect your future finances.
Our office
We are currently located at 410 Adelaide Street West in Toronto, Ontario.