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APR between $500-$15,000 is applicable to unsecured personal loans and calculated at 29.99%.
APR between $15,000-$35,000 is applicable to secured personal loans and calculated at 19.99% .
Price includes optional Loan Protection Plan coverage 1
Unsecured Personal Loans
Secured Personal Loans
creditplus Savings Loan
We say yes to Canadians when banks aren't an option with personal loans up to $15,000. If you are looking to borrow money for bill payments, debt consolidation, or home and auto repairs, we can help get you the money you need as soon as today. Plus, with rates way lower than payday loans, we can help get you on track towards a stronger financial future.
Loan amounts: $500-$15,0001
Rates from: 29.99%1
Term: 9-60 months1
Being a homeowner has its advantages! If you own your own home and are looking to borrow money, our secured personal loans allow you to use the equity in your home to borrow more money at lower rates.
Loan amounts: $15,000-$35,0001
Rates from: 19.99%1
Term: 72-120 months1
Build your credit and grow your savings through our savings loan. Plus, qualify for a $1,000 loan guaranteed with on-time payments in as early as 6 months!*
Powered by Refresh Financial.
*loan offer not available in some provinces.
Introducing Canada’s first ever merchant financing solution for prime and non-prime customers, pay360. Powered by easyfinancial and ICICI Bank Canada, pay360 offers merchants a seamless way to provide point-of-sale financing to customers regardless of their credit situation.
Apply online in minutes, or visit one of our 200+ locations2.
Submit your documents.
Get approved. Get your money as soon as today2.
Enjoy the security and convenience of using Interac e-Transfer. Deposit your funds in real time directly into your bank account with the click of a button
Use your loan funds anywhere MasterCard® is accepted, in-store or online.
Includes Chip & PIN for added security and Tap & Go feature for faster payments.
Gain greater control of your finances and everyday spending with the NEW goeasy Prepaid Mastercard!
Affordable payment options
Cheaper than payday loans
Rebuild your credit
Get back on track
Our payment options are affordable and flexible to fit within your budget.
Get back on top of your finances without resorting to expensive payday loans. Our affordable loans and flexible terms are designed to help you save.
Our loans have fixed start and end dates to help you save on interest and get out of debt sooner. We lend to customers with bad credit when banks won't. You can even improve your credit with our creditplus savings loan, whether you have a loan with us, or not. 60% of our customers have improved their credit score and 1 in 3 graduate to prime credit.
Beyond offering cash loans, we help Canadians take control of their financial futures by providing access to financial education resources3.
60% of the customers we help have been turned down by a bank due to bad credit3.
88% of our customers receive a decision in 30 minutes or less2.
Pay off your personal loan early so you can save on interest and be debt free sooner.
69% of customers say borrowing money with us reduced their financial stress.
Jennifer assisted me and I cannot express the appreciation and gratitude for everything she did. Almost all experiences I have had with banks have been painfully negative and still are. I would recommend this business and service to anybody looking for help, understanding and somebody that will direct them to their best options. I appreciated so much what easyfinancial has done for me, believing in me and giving me a second chance.
The representative helping me was absolutely fantastic. Not only did I get my loan but she also advised me that she could help me get my credit back. No other financial institute would help me so I'm so grateful. You guys made mine and my kids Christmas this year. Thank you so much!
Jacqueline’s loan helped fund her sons’ education while consolidating her debt.
After getting the loan from easyfinancial, I was ecstatic. Like a weight was just lifted off my shoulders.
Get back on track with rates way cheaper than payday loans
*Loans amortization between 9-120 months1
APR between 19.99% and 46.96%1
Example: $1000 unsecured loan borrowed for 12 months at 29.99%: Monthly payment: $125.09; Total repayment with interest: $1501.084. Price includes optional Loan Protection Plan coverage
By signing up you are agreeing to receive promotional offers from goeasy. You can withdraw your consent at any time.
We know the fine print can be painful, but we believe it's important you have all the facts!
easyfinancial offers a variety of financial services including personal loans, and mortgages. easyfinancial is a division of goeasy Ltd., the leading full service provider of goods and alternative financial services that improve the lives of everyday Canadians. goeasy Ltd. is listed on the TSE under the symbol 'GSY'.
* easyfinancial offers secured personal loans in all provinces, excluding British Columbia, Nunavut, Northwest Territories, and Yukon.
Apply for a creditplus loan powered by Refresh Financial, of $1,500 or $3,000, with interest rates from 9.5% – 9.9% depending on your loan amount and our assessment of your credit profile, amortization of 48 months, and get a guaranteed $1,000 easyfinancial loan (the “Offer”) after the first 6 or 12 months of on-time payments. See in store for details. Guaranteed easyfinancial loan Offer not available in Manitoba, Newfoundland, Saskatchewan and Quebec. Offer conditional upon customer’s creditplus loan being in good standing where all payments on their creditplus loan have been made on-time for the term of the loan. With APR from 15.68-19.99%, depending on your loan size. To be eligible for the Offer, Customer(s) must be employed, not bankrupt, not in credit counselling, and not have an existing loan with easyfinancial, or have had a previous loan with easyfinancial that was not fully repaid. Offer subject to change without notice. Offer may be withdrawn without notice, at the sole discretion of easyfinancial. creditplus loan may be subject to additional fees that vary by province. Restrictions apply, please see in store for details.
Refer a friend or family member and receive a $200 referral reward on every funded loan. Only one (1) referral reward payable per referee. Limit of 5 referrals. Referrer must be a resident of Canada (excluding Manitoba) and have reached the age of majority in his/her province/territory of residence. Your account must be in good standing. For purposes of this offer, “family” includes your spouse, common-law spouse, child, or parent, in each case where there is voluntary, direct, two-way communication between yourself and the referred friend. For purposes of this offer, “friend” includes only an individual with whom you have a voluntary, direct, two-way communication and it would be reasonable to conclude that they have a personal relationship with and have met in person. Conditions apply see in store for details. Valid until July 27th, 2019.
*This is an offer made by easyfinancial Services Inc. and does not, in any way, guarantee any credit improvement, credit repair or similar guarantees or promises with respect to your credit score. Refresh Financial Inc. acts as lender in respect of creditplus loans, but is not affiliated with easyfinancial Services Inc. and has not reviewed or approved any claims made in this advertisement, nor can it confirm their accuracy or completeness. The terms and conditions associated with all creditplus loans are set out in the creditplus loan agreement between easyfinancial Services Inc. (which will assign its rights and responsibilities as Lender under the creditplus loan to Refresh Capital Corp. prior to funding it, in accordance with the terms of the creditplus loan agreement) and borrowers. Please review these terms in full to understand your rights and obligations as a borrower of a creditplus loan. Any statements, claims, or offers contained in any advertisement, promotional materials or websites operated, maintained or produced by easyfinancial Services Inc. are wholly the responsibility of easyfinancial Services Inc. and no other party. Refresh Financial Inc., and its subsidiaries and affiliates, has not endorsed any such statements and accepts no responsibility for their accuracy or completeness.
Refresh Financial Inc. acts as lender in respect of creditplus loans, but is not affiliated with easyfinancial Services Inc. and has not reviewed or approved any claims made in this advertisement, nor can it confirm their accuracy or completeness. The terms and conditions associated with all creditplus loans are set out in the creditplus loan agreement between easyfinancial Services Inc. (which will assign its rights and responsibilities as Lender under the creditplus loan to Refresh Capital Corp. prior to funding it, in accordance with the terms of the creditplus loan agreement) and borrowers. Please review these terms in full to understand your rights and obligations as a borrower of a creditplus loan. Any statements, claims, or offers contained in any advertisement, promotional materials or websites operated, maintained or produced by easyfinancial Services Inc. are wholly the responsibility of easyfinancial Services Inc. and no other party. Refresh Financial Inc., and its subsidiaries and affiliates, has not endorsed any such statements and accepts no responsibility for their accuracy or completeness.
While having a loan and honouring its obligations can help build credit, too many loans may be seen by potential creditors as an increased risk, and failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.
Loans from easyfinancial do not automatically renew. Customers have the option to request an increase to their loan after paying down a percentage of their current loan amount and maintaining good payment history. Such a request would be subject to the company's standard underwriting rules.
BENEFITS OF A CO-APPLICANT
All new approved Unsecured loan application(s), with a co-applicant, will receive a 2% reduction on the interest rate to be charged. Interest rate reduction will occur for the term of the approved loan--provided both applicant and Co-applicant are approved. Interest rate reduction will be applied to Unsecured loan products only. Offer is valid in all regions excluding Manitoba and Quebec. easyfinancial reserves the right to change, amend or withdraw this offer at any time without notice. Conditions apply see in store for details
easyfinancial offers personal loans from $500 to $35,000 with terms from 9 to 120 months. The APR is between 19.99%-46.96%. Secured personal loans may be subject to provincial fees upon funding. NSF (non-sufficient funds) payments will be assessed a $50 fee in addition to fees charged by the customer's financial institution.
easyfinancial contacts customers in arrears as soon as possible through various means including, but not limited to telephone, email, postal mail and SMS. easyfinancial may work with third parties to assist in collections activities.
LOAN PROTECTION PLAN
†Loan Protection Plan is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under Group Master Policy Numbers EF012017, EFL012017, EF082017 and EFL082017.
** Receive approval in as little as 48 hours with complete documentation.
‡ Conditions apply. Ask branch for details. Optional service.
ABIC and ABLAC carry on business in Canada under the trade name of Assurant®.
®Assurant is a registered trademark of Assurant, Inc.
The complete terms, eligibility, benefits, limitations and exclusions are contained in the Certificate of Insurance.
Purposes for Which goeasy Handles Personal Information
goeasy collects and uses personal information for purposes limited to those which are related to its businesses, which include providing financial services and leasing household furnishings, appliances, and home electronic products to its customers under lease agreements. We collect personal information primarily from you, for instance through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers and other financial institutions you have identified in your application as well as credit bureaus and other third party sources. For example, we may collect personal information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.
We may collect and use personal information for purposes such as, but not limited to, the following:
Personal Information goeasy Collects
goeasy limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.
Personal information that we collect includes:
Transfers and Disclosures of Personal Information
goeasy may disclose personal information in a number of circumstances, including:
In addition to the above, personal information may be shared between our affiliates or subsidiaries (including those located in the United States) for internal audit, management, billing or administrative purposes including defending and bringing legal actions.
In the course of fulfilling the purposes described above, goeasy may transfer your personal information to service providers, including affiliates or other third party organizations or individuals retained by goeasy to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside Canada, including in the United States, and will be subject to applicable legal requirements in the country in which they are located, including lawful requirements to disclose personal information to government authorities in certain circumstances.
goeasy may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.
goeasy may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.
goeasy uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to personal information.
Access and Accuracy
goeasy may establish and maintain a file containing an individual's personal information for the purposes described above, which will be accessible at our offices. Individuals have the right to request access to or correction of their personal information that is held by goeasy. Requests must be made in writing, addressed to goeasy's Privacy Officer as per the contact information set out at the end of this Policy. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee. If this is the case, goeasy will inform the individual of the amount of the fee in advance. We will use our best efforts to ensure that personal information is as accurate, complete and up-to-date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required. If we refuse access to personal information or disagree with an assertion that information held by us is incorrect, we will provide a written explanation for such refusal and a description of our complaints procedure should an individual decide to challenge such written explanation. An individual's right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by goeasy, we may take reasonable steps to verify an individual's identity before granting access or making corrections.
goeasy's Websites and E-Mail Communication
goeasy does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to easyhome, please contact us directly by telephone at 1-866-823-3279 or easyfinancial at 1-888-502-3279 to arrange for delivery/transmission of such information by secure means.
In compliance with Google's advertising policies, we use Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see our advertisements on Google and other third party websites on the internet after visiting our website.
We use Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting and the DoubleClick Campaign Manager integration. You have the option to opt out of Google Analytics for Display Advertising and customize Google Display Network ads. For all the currently available opt-outs, please visit https://tools.google.com/dlpage/gaoptout
We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience's interests and demographics.
In certain circumstances, as permitted or required by law, we may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.
Inquiries or Further Information
Privacy Officer, goeasy Ltd.,
33 City Centre Drive, Suite 510
Mississauga, Ontario, L5B 2N5, Canada
If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at http://www.privcom.gc.ca. or in Quebec, Alberta or British Columbia, your provincial privacy regulator, as applicable.