Epgibipty needs: вЂ“ Be at minimum age 18 or older вЂ“ Holding Canadian citizenship or permanent residency вЂ“ possessing home equity. Getting that loan through Canadalend.com is not difficult, also for Canadians with bad credit. Your credit rating does matterall that matters nвЂ™t is you have actually equity at home. Your property equity functions as security for the secured credit loan that is bad. Canadalend.com will fund first, 2nd, and even 3rd mortgages, even when youвЂ™re self-employed and have now been refused by the bank.