CEBA Loan Guides (2026)

2026 update: CEBA loan forgiveness ended in 2024. Any balance still owing has charged 5% interest since January 19, 2024, and the full principal is due December 31, 2026. Unpaid loans are likely to be assigned to the CEBA Program for collection, with the CRA assisting. This page was written before those deadlines, so some dates and figures below may be out of date.

Compare lenders that refinance CEBA loans | Read the 2026 CEBA FAQ

Updated October 16, 2026

Every ceba.ca guide in one place. Your CEBA loan balance is due on December 31, 2026, with 5% interest since January 19, 2024. Start with what happens if you can’t pay, find the payoff steps for your bank, or read the guide for your industry. When you are ready, compare lenders that refinance CEBA loans.

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ceba.ca is an independent website and is not affiliated with the Government of Canada. Official program information is at ceba-cuec.ca.

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