I've written about crowdfunding extensively, mostly from the point of view of entrepreneurs, who view crowdfunding as a cheaper way to finance their
business over traditional bank loans.
Consumers, especially millennials, seeking student, medical and travel loans prefer online lenders for fast, convenient, and low rate consumer credit
solutions over traditional banks.
Once you have created an account and filled out your information on RealtyShares, they provide a series of benefits to promote their
services over a traditional bank.
If the Manulife or Canadian Tire plans don't stick you with that ridiculous fee, then I would consider using
them over the traditional banks.