Get your loan approved in less than 24 hours
We’ve been pioneering the home equity loan industry for over 50 years. Apply with Alpine Credits and access the financial flexibility you need.
We're here to help!
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Homeowners helped
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Years of trust
The fastest, easiest way to get money from your home equity
Approved in less than 24 hours
Our online application process is simple. Get a no-obligation quote to find out how much you qualify for.
Protect your credit score
Unlike credit cards and other loans, applying for a loan with Alpine Credits won’t impact your credit score.
Get approved based on equity
Unlike banks, our approvals are based on the equity you have in your home, not your age, income, or credit history.
We’ve helped tens of thousands of Canadian homeowners & counting
For more than 50 years, Alpine Credits has been assisting people achieve their financial goals. We’re helping Canadian homeowners get home equity loans when they need them. Whatever life throws your way, we’re here to help.
Consolidation Loan
Get approved for a lower interest rate loan to simplify your monthly payments and save money with interest charges.
Home Renovation Loan
Whether you’re planning repairs or upgrades, tap into your home equity to get the cash you need for your renovation goals.
Business Loan
Launch your dream startup or secure the capital you need to scale your business operations with a substantial, secured loan.
Retired/Pensioner Loan
Unlock the equity in your home to cover personal expenses or consolidate bills, giving you the financial support you need in retirement.
Tax Debt Loan
Pay off your tax obligations with a flexible home equity loan, helping you stay on top of your finances.
Secured Personal Loan
Get quick access to funds you need with flexible terms and lower rates, allowing you to confidently reach your financial goals.
Own your home? You're approved.
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Apply online in minutes
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Get approved in less than 24 hours
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Funds are deposited into your account within a week
What our customers are saying
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Alpine Credits provided me with a loan to consolidate my debts when banks would not even consider me even though I had equity in my home and had adequate income. Alpine Credits were very efficient and prompt and I received the funds in my account in a very short amount of time after applying for the loan. Bev was honest, prompt and efficient through the entire process and very understanding of my situation. I highly recommend Alpine Credits as they perceive people as individuals versus an asset or liability. My experience with a bank made me feel like a number and Alpine Credits made me feel like a person!
Kim Palmer
4 months ago
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Bev was great to work with, down to earth, easy going and understanding. I recommend Bev 100%. Took care of what I needed in a reasonable amount of time.
Ted Beck
4 months ago
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Fast efficient, friendly professional service ! Right there when I need them thanks Simon!
Dah
4 months ago
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Alpine Credit is great.....specifically Bev De Vos.....Bev is a sincere person that made me feel really good...I was going thru a tough time with the loss of my mother....Bev came thru....I highly recommend Bev De Vos and Alpine Credit
Romas Stanulis
4 months ago
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It can be an anxiety trigger when looking for help but all that went away when I dealt with alpine credit and my agent Jasel was an amazing help in guiding me through it. She always answered any questions or concerns that I had and Kevin the lawyer made it even easier. I would recommend the easy inquiries as they listened all the way. Thank you Jasel and Alpine credit, where this home owner did easily get approved!
David Cunnington
4 months ago
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Alpine Credits made the process fast & efficient. From start to finish was 3 weeks. I definitely recommend them.
Erica Collison
4 months ago
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Jesal Taunk did a great job
Patrick Gaudreau
4 months ago
Frequently asked questions about home equity loans in Canada
Find answers to frequently asked questions about Alpine Credits, home equity loans, second mortgages and more.
Who are Alpine Credits, and what do they do?
Alpine Credits is a pioneering private lending company that has been helping Canadians access their home equity for over 50 years. We provide quicker financing solutions to Canadians regardless of their credit score, employment status, or financial situation. As long as you own your home, you’re eligible for a home equity loan from Alpine Credits.
What is a home equity loan?
A home equity loan allows you to unlock the equity value in your home, enabling you to obtain a loan to achieve your financial goals. You can estimate your equity by calculating the difference between the appraised value of your home and your outstanding mortgage balance. With Alpine Credits, you can access up to 75% of that value, which can be a significant amount of up to $500,000.
What provinces do Alpine Credits operate in?
We provide home equity loans to homeowners across British Columbia, Alberta, and Ontario. Even if you live outside those provinces, you can still contact us to learn how we can help you.
What do I need for an application?
An application for a home equity loan with Alpine Credits is simple. You just need to provide your personal details, the amount you need, and your estimated home’s appraised value.
Who is eligible for a home equity loan?
The main eligibility requirement is to own your home. You also have to be a Canadian citizen and at least 18 years old.
What can I use a home equity loan for?
Home equity loans are flexible and substantial enough to achieve any financial goals. The most common purposes are consolidating debts & credit balances, renovating a home, and other personal expenses.
How quickly can I receive a home equity loan?
Alpine Credits processes applications within 24 hours to a few days, meaning you’ll receive approval results sooner than you would at traditional lenders.
What is the difference between Alpine Credits and the bank?
Getting a home equity loan from Alpine Credits is more straightforward, with fewer requirements. Even if you have a low credit score, you can get a loan. We believe homeowners should have a fair chance at getting the support they need – regardless of their credit, age and income.
Homeowners get approved.
Unlike traditional banks, all you need to qualify for a loan at Alpine Credits is to own your home. We make the process as quick and easy as possible. Applying won’t affect your credit score.
