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easyfinancial goeasy logo French shElWBJ_IZVVk0c easyfinancial goeasy logo French shElWBJ_IZVVk0c

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THE FINE PRINT
 

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.

  1. Secured personal loan amortization between 72-120 months. Amounts range from $500-$35,000, with rates between 19.99%-28.99%, The length of your term and amount of your loan will depend on your loan size and our assessment of your credit profile. Secured personal loans may be subject to additional fees that vary by province, and are subject to a 3-month loan interest penalty when paid out before the end of the loan term. See branch for details.
    Unsecured personal loan amortization between 9-60 months. easyfinancial offers unsecured personal loans in Canada (different lending rules apply to Quebec and can be found at www.easyfinanciere.com and different lending rules for high-cost credit products may apply to Manitoba.. Loan amounts range from $500-$15,000, with rates between 29.99%-46.96% depending on your loan size, length of term and our assessment of your credit profile. See branch for details.
  2. On average loan applications receive credit pre-approval within 10 minutes, and get a final lending decision within 30 minutes. Secured personal loans can be issued in as little as 2 business days. Pre-approval is subject to change based on income verification and other documents.
  3. easyfinancial offers short term personal loans and is not a credit repair service. easyfinancial may help improve your credit score by building a credit history provided your payments are made in full and on-time.
  4. Payment includes optional loan protection insurance fees, but excludes applicable provincial taxes and prepaid card fees.
  5. 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.

    *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.

  6. 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.

CREDIT SCORE IMPACT

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.

RENEWALS

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

FINANCIAL IMPLICATIONS

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.

COLLECTIONS PRACTICES

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.

creditoptimizer

Conditions apply. Product available for a fee, see in branch for details. Product not available on high-cost credit Unsecured Personal Loans in Manitoba. creditoptimizer has a Target Score Calculator and a Money Calculator, that estimate how certain changes in your credit behavior may impact your credit score. creditoptimizer is not a credit repair or credit counseling tool, and does not provide credit repair advice.

CLA

APR

19.99% - 46.96%1
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