Plain-English guides to repaying, refinancing and dealing with your CEBA loan before the December 31, 2026 deadline. See all CEBA guides.
Updated November 1, 2026
A bank takes about two weeks to refinance a CEBA loan, an online lender 2 to 5 business days. Work back from December 31, 2026 with this dated plan.
Updated October 27, 2026
Your CEBA loan is due December 31, 2026. A week-by-week plan to get your payoff amount, refinance or repay, and beat the December holiday closures.
Updated November 6, 2026
CEBA forgiveness is over and the CRA aims for full repayment. When a consumer proposal, bankruptcy or corporate insolvency applies, and cheaper alternatives to check first.
Updated October 20, 2026
If your CEBA loan is assigned to the CRA, you can ask for a payment arrangement. How the CRA reviews CEBA debts, how to set up a plan, and when
Updated November 6, 2026
For sole proprietors, the CEBA loan is personal debt. How to refinance it before December 31, 2026, what lenders ask for, and what to do if you cannot.
Updated November 6, 2026
A CRA letter about your CEBA loan means it is in default and assigned for collection. How to check it is real, what the CRA wants, and your options.
Updated October 20, 2026
Online banking may not show the interest owing on your CEBA loan. How to get an exact payoff amount before you repay, and how to estimate the interest.
Updated November 6, 2026
If any CEBA balance is unpaid after December 31, 2026, the loan is in default and likely to be assigned to the CRA for collection. What to expect and your
Updated November 6, 2026
No extension has been announced. December 31, 2026 is the final repayment deadline for all remaining CEBA loans. Here is why, and what to do now.
Updated October 21, 2026
Have a CEBA loan with Desjardins? How to get your payoff amount from your caisse, repay it, and what happens if you can't pay by December 31, 2026.
Updated October 21, 2026
Have a CEBA loan with Scotiabank? How to get your payoff amount, repay it, and what happens if you can't pay Scotiabank by December 31, 2026.
Updated October 21, 2026
Have a CEBA loan with CIBC? How to get your payoff amount, repay it, and what happens if you can't pay CIBC by December 31, 2026.
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