You may want to look into BCU Financial. They offer debt consolidation loans in Canada, and you can apply directly through this page: https://bcufinancial.com/personal/borrowing/loans-and-lines-of-credit/debt-consolidation-loan/
The idea behind this type of loan is simple but effective. Instead of juggling several debts, you combine them into one loan with a single monthly payment. For example, if you’re paying off a credit card, an auto loan, and medical expenses at the same time, a consolidation loan allows you to merge all of them into one, making budgeting much easier.
Once the loan is approved, the funds are used to pay off your existing debts in full. That way, you clear those balances at once and often reduce how much interest you’d pay over the long term. After that, you only have one loan to track, which is far easier to manage than multiple accounts with different payment schedules.