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The health and well-being of our customers, employees and communities has always been our highest priority. As we continue to monitor and assess the global impact of COVID-19, we have activated a series of proactive and precautionary measures at our stores, branches and offices across Canada, to help limit the spread of the virus. We have been closely following the guidelines from the Public Health Agency of Canada (PHAC) and the World Health Organization (WHO), and we are continuing to assess the situation daily. Our emphasis has been on modifying our business practices to ensure the health and safety of all, while also ensuring we can continue to deliver the highest quality service to our customers.
During these uncertain times, one constant has been the unwavering commitment of our team members to help our customers. The passion and dedication of our people and the way they have come together during this difficult and uncertain time, has been a tremendous source of pride for me. As things are changing daily, we are monitoring and adapting our business accordingly. We know that these can be stressful times, as many Canadians are now navigating workplace shutdowns, self-isolations or additional financial burdens such as added childcare expenses.
We want you to know that our commitment to helping everyday Canadians has never been stronger. We will continue to be there for our customers by providing them with access to the credit they need today, while we strive to put them on the path to a better tomorrow. Rest assured, we will do everything possible to remain open for business and ready to serve you. Please don’t hesitate to contact us.
President and CEO
As more provinces have moved to a closure of all non-essential services, goeasy has made the decision to no longer accept in-person visits at our easyhome stores and easyfinancial branch locations effective Tuesday, March 24th. This decision, although difficult, was made with the health and well-being of our team as our primary objective, while still ensuring that we can keep our employees fully productive and continue to provide essential services to our customers who are relying on us now more than ever.
We will continue to service our customers remotely with the ability to offer loans and leases, as well as the ability to make payments virtually. Our delivery drivers for easyhome will move to a “doorstep” model for delivery and pickups whereby they can arrange to leave a customer’s items at their doorstep.
Store and Branch Locations No Longer Accepting In-Person Visits: Effective Tuesday, March 24th, easyhome stores and easyfinancial branches will no longer be accepting in-person visits. We remain open to service our customers leasing and lending needs through our digital and virtual channels.
Doorstep Delivery Model: We will be immediately moving to a “doorstep delivery” model only for our easyhome business.Customers will be notified that their delivery or pick-up will be made by arranging to leave their product directly inside their front entry way to ensure the health and safety of both our employees and customers.
Open for Business Virtually: Although our stores and branches are no longer accepting in person visits, our teams continue to work to service our customers through our phone and digital channels. We are fully equipped to offer lending and leasing services to all customers remotely so our customers can apply for a loan or shop online and get access to the financial support they require during these times.
We continue to focus on prioritizing the health and well-being of our employees, customers and communities, while trying to remain fully operational and accessible to the many Canadians that continue to rely on our services. Bellow are the additional actions we have taken to date.
We know that many of our customers along with millions of Canadians, are facing financial hardships as a result of the evolving COVID-19 situation. During these unprecedented times, we remain committed to our customers and are here to help them through these uncertain times. We have several tools currently in place to help our customers and encourage them to reach out directly to our branch or call center immediately to find out how we can help.
To protect the health and safety of our employees, customers and communities, we have implemented a series of measures that will allow us to continue to serve our customers, while also greatly reducing the risk of illness and spread of the virus. We have formed a task force that is convening every few hours to review and discuss an action plan. Below are the changes we have made to date, but we continue to monitor the situation and will adjust our processes in real time as we receive new information.
As of today, goeasy and our easyhome and easyfinancial stores and branches are open for business and we are ready and prepared to serve the millions of everyday Canadians that have come to rely on us during their time of need. We are here to offer financial support for those that need access to credit, and we are prepared to help all our existing customers through any financial struggles they may be facing. However, we would ask that anyone experiencing signs or symptoms of illness, refrain from visiting our stores and branches at this time.
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 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.
*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.
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 $45,000 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 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.
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.
Business loans from $5,000 to $300,000. Amortization will occur over a 12 month term. Interest rates vary by customer and situation, however the rate of interest applied to the initial principal amount of the business loan will generally fall between 18% to 26%. Loans may be subject to administrative fees. Excludes Manitoba and Quebec. Conditions apply. See in-branch for details.
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:
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:
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.
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 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.
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.