Which institution in Canada offers personal loans with the best interest rate?

I'm planning to get a personal loan for about 15K over 4-5 years, which Canadian bank or institution I would have the most chance of being approved. My credit score with Equifax is around 640.

ing direct

i found online FIs offer better deals when no established history/relationship, i.e. ing and icici

A credit Union is the best to look for a loan

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