Find & Compare Financial Products & Rates in Canada
Compare insurance quotes, mortgage rates, credit cards, and more to help you make informed decisions.
Clear Choices, Made Easier
Hardbacon helps you compare financial products in a way that’s easy to understand and grounded in real trade-offs. We focus on clarity, context, and what actually matters for your situation.
Car Insurance
Smarter car insurance starts here
Compare car insurance quotes in minutes. See real rates, understand your coverage, and choose the best option for your needs, fast.
Life Insurance
Protection tailored to your life
Compare term and permanent life insurance quotes in minutes. Understand your coverage options, see real costs, and choose the right protection for your needs today.
Mortgage Rates
Find your best rate. Fast.
Compare current mortgage rates from top Canadian lenders in minutes. See your options, understand your payments, and choose the right rate with confidence.
Best Credit Cards in Canada
Compare the best credit cards in Canada based on rewards, fees, and real-world value. Find the right card for your spending and start earning more today.
Compare more financial products
Browse additional financial products and start comparing your options.
What Guides Everything we Build
Learn how our standards, priorities, and long-term view shape everything we build.
Got questions about what we do?
We get a lot of questions about how Hardbacon works. Here are a few quick answers to help you get started.
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What is Hardbacon?
Hardbacon is a Canadian personal finance platform that helps you compare financial products and understand your options before making a decision. We focus on clarity, transparency, and unbiased information so you can choose with confidence.
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How does Hardbacon make money?
Hardbacon may earn revenue through partnerships with financial providers when users choose to apply or request a quote through our platform. These partnerships do not affect how products are compared or explained. Our priority is to provide clear and unbiased information.
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Are the comparisons unbiased?
Yes. Hardbacon is built to help you understand real differences between options, not to push a specific product. Comparisons are based on clear criteria and are designed to highlight trade-offs so you can decide what works best for your situation.
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Is Hardbacon free to use?
Yes. Access to our comparisons, tools, and educational content is free. There is no cost to explore options or learn more about financial products on Hardbacon.
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Do I apply or buy directly on Hardbacon?
Hardbacon helps you compare and understand your options. When you are ready to move forward, you may be directed to a trusted provider or partner to complete an application or request a quote.
Insights and Useful Articles
Practical guides, explainers, and insights to help Canadians understand financial decisions before they make them.
The 5 Easiest Banks to Get a Loan From in Canada
If you have ever found yourself in need of a personal loan, you probably found that different banks have different criteria for being approved. When you are in a financial pinch, you want to know exactly which institution will approve…
KOHO vs EQ Bank: Which One Takes the Crown?
It’s time to compare two of Canada’s leading neobanks – KOHO vs EQ Bank. Loyalty is an excellent quality to have, except when it comes to your cash. Sticking to one of the Big Five without exploring other options is…
The 10 Best Banks for Students in Canada
The best bank for students in Canada shouldn’t just give you a free account with unlimited transactions, it should reward you too. Why? Because people rarely change banks, even when there are better deals out there. That makes you a…
KOHO vs Neo Financial: Who Wins the Battle for Your Buck?
Both KOHO and Neo are Canadian fintech startups that offer out-of-the-box digital banking services. These two platforms are becoming increasingly popular among millennials and younger Canadians because they provide an alternative to traditional banking with low or no fees, a…
The 6 Best Online Banks in Canada for 2024
Online banks are digital institutions that do not rely on physical branches. With lower operating costs than their brick-and-mortar counterparts, online banks are able to pass the savings on to us in the form of lower fees and higher interest…
Wealthsimple Prepaid Mastercard: My Experience with Wealthsimple Chequing account
Wealthsimple is a Canadian fintech known for its investment app. Today, it offers many other products. I’ve had a Wealthsimple account for several years and applied for the Wealthsimple prepaid Mastercard in August 2025. How does it compare with the…
KOHO Mastercard Versus Wealthsimple Cash: Which Prepaid Card Is Right for You?
KOHO and Wealthsimple are some of the first names that come to mind when you think of prepaid cards in Canada. These two companies are often compared despite the fact that they are not similar. On the one hand, KOHO…
The 8 Best Black Credit Cards in Canada
Black credit cards are the ultimate status symbol. Often rare and exclusive, they’re designed for the rich and are considered prestigious. Plus, they come with some great perks including special discounts and premium benefits not available with a standard card.…
The 8 Easiest Credit Cards to Get in Canada
Qualifying for a new credit card can be tough. What are the easiest credit cards to get in Canada? Whether you have insufficient credit history or a poor credit score, it can be difficult to determine exactly which cards you…
The CIBC Costco Credit Card: Benefits and Alternatives
The CIBC Costco credit card comes with great rewards and can reduce your bill if you shop at Costco often. But if you shop at several different locations, take the time to compare it to other store credit cards. Quick…
High-Risk Auto Insurance in Canada: What It Costs and How to Get Covered
Three insurers decline you in a week, and the one quote you do get is triple last year’s premium. That is what the high-risk label looks like from the driver’s seat, and it usually follows one bad stretch: an at-fault…
Car Insurance Quotes for Bad Driving Records: What You Will Pay and How to Pay Less
Two speeding tickets and one at-fault fender-bender, and the renewal quote lands 40% higher than last year. That is how a bad driving record shows up: not as a refusal, but as a number that stings. The record itself is…
How Much Is a Deductible for Car Insurance in Canada?
Most Canadian drivers carry a car insurance deductible between $500 and $1,000, and $500 is the common default in Ontario (BrokerLink, March 2025). The full range you can be offered runs from $250 to $25,000 (Desjardins, March 2026), though almost…
Car Insurance Quotes for New Drivers in Canada (2026)
How much a new driver pays for car insurance in Canada depends on two numbers, and only one of them is about you. The first is the multiple: expect roughly 3 to 6 times what an experienced driver with a…
Best Car Insurance If You Have Speeding Tickets: What Actually Changes Your Rate
You got the ticket months ago, forgot about it, and then your renewal lands two hundred dollars higher. That is how a speeding ticket usually hits your car insurance: quietly, at renewal, once your insurer pulls your record and sees…
The 8 Best Options Trading Platforms in Canada
Navigating the labyrinthine world of options trading can be a daunting task in Canada. From the uninitiated beginner to the seasoned investor, everyone needs a reliable platform that aligns with their trading goals, offers robust tools, and doesn’t break the…
Questrade VS Wealthsimple: Which Online Broker Should You Choose?
Online brokerage has grown in popularity in recent years, driving down trading costs between fiercely competitive platforms. There are now a wide variety of online brokers on the Canadian market, with different prices, features and tools. With the arrival of…
A review of Wealthsimple
Wealthsimple is an online investing service founded by Michael Katchen in 2014 in Toronto. Today the company has over $70 billion in assets under administration. Wealthsimple stood out from the start by offering smart and simple investing without the high…
Understanding Canadian ETFs to Increase your Wealth
Exchange-traded funds (ETFs) are the new darling of self-directed investors. Although they were first introduced several years ago, the democratization of investing has made it easier than ever to buy ETFs. Are ETFs really beneficial? What are their limitations? How…
How to Use the RRSP to Save on Taxes and Retire Rich
A registered retirement saving plan (RRSP) is, for most of us, the first step towards saving for our golden years. The RRSP is a registered investment account that carries many tax benefits. The primary purpose is to shelter a portion…
Best Private Lenders for Personal Loans in Canada
It’s time to talk about private lenders. Nothing kills your vibe quite like an unexpected expense or a big purchase you can’t avoid. Then you have to apply for a personal loan from your bank and play phone tag for…
Understanding Canadian Student Loans and How to Manage Them
Every year people search for student loans in Canada to make their dream of higher education a reality. Student loans are largely used in Canada, with an average debt of $30,600. Student loans can be very confusing since it’s often…
How to Find a Legit Guaranteed Approval Loan for Poor Credit in Canada
So you knocked on the door of every bank in town, only to have them slam it in your face? It’s a demoralizing experience. But guaranteed approval loans for poor credit can be a lifesaver in some instances. Are these…
Use Alternative Loans Wisely: Diverse Applications For When You Really Need Them
In collaboration with Créditmatik Sometimes, the traditional banking system can’t meet our borrowing needs. Alternative loans offered by non-banks therefore become an interesting option. They can provide people with temporary financial relief – they are designed for short-term use. In…
Nyble Review: Your Escape From Hungry Loan Sharks?
In the murky waters of private lending, people who are new to credit or have limited credit are fresh meat. Loan sharks circle while the JAWS theme plays faster and louder. Then along comes Nyble, a Canadian personal finance platform…
10 Steps To Sell Your House Fast in Canada
Are you looking to sell your house fast in Canada? Then you’re in the right place. In this ultimate guide, we take you step-by-step through the process. Plus, we give you online resources that will help get your home sold……
The Pros and Cons of Reverse Mortgages in Canada
If you’re a homeowner age 55 or older and in need of cash, you may want to consider a reverse mortgage. Reverse mortgages in Canada are a way for homeowners to access funds to cover living, travel and other expenses.…
How to Buy Half Your Partner’s House
A few years ago, your partner proudly bought her own house to live in with her son. Since then you two have met and she’s asked you to move in with her. Since cohabitation is going well at her place,…
Bridge Mortgage: Buy a New Home Without Having Sold the Old One
You’ve found the home of your dreams. The only problem is you haven’t closed the sale on your existing property. And, you need the equity in your home to buy the new place. You can’t get the money until you…
Closing Costs: Your Checklist When Buying a Home in Canada
Buying a house is a huge, complicated decision. Even after saving their money and researching mortgages, homebuyers often forget one key expense: closing costs. During a real estate sale, closing costs are the expenses that are incurred in addition to…
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