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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Lamina's account


How to register an account

To register on the website of the lender, a customer should get on the "Apply now" form, answer all the questions (specified in our section How to apply for a loan), and Lamina's till will create a profile. After this, the customer will receive a link by text that leads directly to his account.

There will also be a members area on a website – the company is currently working on creating one.

How to reset a password

This information is being provided after registering at the Lamina platform only. The company is currently working on creating it.

How to delete an account

This information is being provided after registering at the Lamina platform only. The company is currently working on creating it.


How does this Lamina work?

The lender works the following way: it gets initial information about the potential borrower (age, income level, the number of funds a person wants to get), proceeds with the information, and quickly (within 12 hours maximum) gets back to the borrower with the results – either approved request or declined.

The steps for getting a loan:

  1. complete the pre-approval process to determine eligibility;

  2. complete the loan application process;

  3. sign the contract;

  4. use the bank link.

There are no stores – all the services are being provided online.

How do I contact Lamina?

A person can contact Brokers Lamina via texting on the website, toll-free calls, e-mailing, or coming directly to the office of Lamina.

Lamina loans calculator

Lamina calculator will allow you to calculate an approximate payment schedule for the loan

Lamina calculator
Interest rates are given in accordance with the rates of the bank in Ottawa as of 01.10.2022
Loan amount

Enter the desired loan amount

300 $
1500 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Lamina

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Lamina from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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