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Apply for a personal loan in Manitoba and get a decision in minutes

Get more money at lower rates with Manitoba's best payday loan alternative.

easyfinancial offers personal loans up to $50,000* that can help improve bad credit and get you on a path to a better financial future.

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Rebuild your credit and get back on track

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YES when the

banks say no

We can help get you approved even with bad credit or no credit history.

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10 minute approval

Get a quick decision and your money the same day with e-Transfer.

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Rebuild your credit

Rebuild your credit with on-time payments and graduate to lower rates.

See how we have helped thousands of easyfinancial Manitoba customers just like you

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Have questions? We can help.

What credit score do I need for easyfinancial?

This is determined on a case-by-case basis. We use many factors to approve applicants for a loan, including monthly income and credit score. We factor in your debt-to-income ratio (50%), debts in collections, car payments, and monthly debt obligations. Those with bad credit (300-720) are encouraged to apply.

What is a soft inquiry and how is it different than a hard inquiry?

A soft inquiry is when your credit report is pulled for informational purposes and does not affect your credit score. A soft inquiry is simply a review of your credit report that's used to determine if you are eligible for a pre-approved offer and may be used to verify who you are.  When a company conducts a soft inquiry, this is only visible to you, and is not seen by other lenders therefore it will not negatively affect your credit score. 

A hard inquiry is when a credit report is requested from the credit bureau for the purpose of evaluating you as a borrower. A hard inquiry can affect your credit score and can be seen by other lenders. However, keep in mind that hard inquiries are only one of the five major factors that help determine your credit score.  Other factors such a payment history and credit utilization play a much bigger role in determining your credit score. 

What documents are needed to get an approval?

We require the following documents:

2 recent pay stubs

  1. Last 90 days of banking information 

  2. 1 recent bill addressed to your current home 

  3. A piece of government photo ID