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Loan details

Amounts from:

$500 - $20,000

Rates starting from:

29.99%

Terms from:

9-84 months

Not sure which loan to apply for?

See all of our loans to find the one that’s right for you.

Most commonly used for:

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Bill Payments

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Debt Consolidation

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Home & Auto Repairs

Does easyfinancial offer Loans for Emergencies?

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Loans for Medical Emergencies

1. Emergency Procedures: If you or a loved one needs an urgent medical procedure that can't wait, an easyfinancial loan can help you cover the cost quickly so you can focus on recovery rather than the bills.

2. Hospital Stays: Sometimes, a sudden illness or injury can lead to an unexpected stay in the hospital. Our loans can help manage the cost of hospital room charges, medications, and any associated care needed during your stay.

3. Specialist Treatments: If you're facing a health condition that requires the attention of a specialist, we can help you cover those expenses so that you can get the best care without delay.

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Emergency Loan for Home Repair

1. Emergency Roof Repairs: Leaks and damage can lead to bigger problems if not addressed quickly. Our loans can help you patch up or replace roofing to protect your home from the elements.

2. Plumbing Issues: From a burst pipe to a malfunctioning water heater, plumbing emergencies can't wait. Get the funds to call in the professionals without delay.

3. Heating and Cooling System Failures: If your HVAC system breaks down, especially during extreme weather, it's more than an inconvenience—it's a hazard. Our loans can help restore your comfort quickly.

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Emergency Loan for Bills

1. Utility Bill Surges: When unexpected increases in your heating or cooling bills occur, a loan can help you manage these costs and keep your household running comfortably.

2. Property Tax Assessments: If you're faced with a property tax bill that's higher than anticipated, securing a loan can help you pay it off on time, avoiding late fees or other complications.

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Loans for Emergency Car Repair

1. Engine Troubles: Whether it's a failed starter motor or a more serious engine fault, fixing these issues is crucial for your safety and ability to get around. We can help cover the costs of parts and labor to get your engine running smoothly again.

2. Transmission Repairs: A broken transmission can be a major roadblock. With our help, you can finance the necessary fixes or even a full replacement.

3. Brake System Overhaul: If your brakes are worn or failing, our loans can help ensure you get the repairs needed to protect yourself and your passengers.

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Loans for Emergency Travel

1. Last-Minute Flights: Air travel can be costly, especially when booked on short notice. Our loans can help you secure a seat on the next flight out, so you can be present where you're needed most.

2. Accommodations: Finding a place to stay shouldn't be a hassle. Whether it's a hotel or a short-term rental, we provide the funds to ensure you have a comfortable place to rest.

3. Travel for Family Emergencies: When a loved one is in need, nothing else matters. We offer financial support for travel expenses, so you can be with family during critical times without financial worry.

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Emergency Funeral Loan

1. Funeral Service Fees: This covers the planning, permits, and professional services of funeral directors and other fees that may be need to be considered.

2. Transportation: Costs for moving the deceased from the place of death to the funeral home and to the final resting place.

3. Casket or Urn: The price for the casket or urn can vary widely depending on materials and style.

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Emergency Moving Loans

1. Natural Disasters: When floods, earthquakes, or wildfires, occur being able to more quickly to a safer place is urgent.

2. Man-Made Disasters: Like natural disasters, chemical spills or industrial mishaps can force you out of your home.

3. Severe Weather: Extreme conditions, from blizzards to heatwaves, can make your current living situation untenable, prompting a swift relocation.

4. Supporting Loved Ones: If a dear one is in need, you might have to pack up fast to offer your support or care.

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Apply in 3 easy steps

1

Apply on the phone, online or at one of over 350 locations nationally

2

Submit your documents. Get a 2% rate reduction with a co-applicant

3

Get your money

as soon as today

See what

documents

you need to apply.
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Value-Added Services

We understand that improving your financial future includes more than just accessing the loan you need today.

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Loan Protection

Plans

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Home & Auto

Benefit Plan

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Credit

Optimizer

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Free Financial

Education

Putting Canadians on a path to a better financial future

When banks aren’t an option, we can help you get approved for the loan you need today.

350+

locations in

Canada

823K

customers

served

92%

satisfaction

rate

60%

of customers improve

their credit score

1in3

customers graduate to

prime rates

Putting Canadians on a path to a better financial future

When banks aren’t an option, we can help you get approved for the loan you need today.

350+

locations in

Canada

823K

customers

served

92%

satisfaction

rate

60%

of customers improve

their credit score

1in3

customers graduate to

prime rates

What people love about us

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person-image

Have questions? We can help.

What can I use a Personal Loan for?

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A Personal Loan can be used to consolidate your debt, pay off bills or cover unexpected expenses. Typical uses of a Personal Loan would include paying for things like car repairs, home renovations, travel, weddings, or other life events.

What are the interest rates at easyfinancial?

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Our interest rates range from 9.99% – 46.96%. The interest rate varies based on your loan type, loan size, length of term, and our assessment of your credit profile.

What is the difference between a Personal Loan and a Home Equity Loan?

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A Personal Loan allows you to access funds without having to provide any collateral to secure the loan against. easyfinancial Personal Loans have rates starting at 29.99% and loan amounts up to $20,000 with no fees or pre-payment penalties. A Home Equity Loan requires you to secure your loan with collateral such as a home. By securing your loan, you can access higher loan amounts up to $100,000 and lower rates as low as 9.99%.

What documents are needed to get an approval for a Personal Loan?

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We require the following documents: 1. Two most recent pay stubs 2. Last 90 days of banking information 3. 1 recent bill addressed to your current home 4. A piece of non-expired government photo ID

Are there any upfront fees associated with a Personal Loan application?

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There are no upfront fees to apply for a Personal Loan.