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Apply for a personal loan in Mount Pearl and get a decision in minutes

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

easyfinancial offers personal loans up to $100,000* 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


YES when the

banks say no

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


10 minute approval

With e-Transfer, get a quick decision and your money the same day.


Rebuild your credit

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


Here’s what Canadians love about us

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Have questions? We can help.

What is the difference between easyfinancial and a payday loan?


Our installment loans are designed to help you get the money you need today at affordable rates, and help you rebuild your credit for tomorrow. High-cost payday loans can charge you annualized interest rates of 300% or more, and do not report your payments to the credit bureau, meaning they will not help you improve your credit score.

What is the difference between easyfinancial and a bank?


We can approve a wider range of customers, even those with damaged credit because we look at more than just your credit score. With the ability to look at your full financial profile, we can approve customers that banks and traditional lenders will not.

I have been a customer of yours and now I need a new loan or increase offer, will you provide lower interest rates given what is happening with COVID-19?


Our rates are based on a customer’s credit history and their ability to afford the monthly payments of their loan. We are committed to offering each of our customers a personalized rate based on their credit profiles. Upon successful repayment, we also reward many customers with interest rate reductions as part of our program to try and help them graduate back to prime.

What credit score do I need to get a loan?


At easyfinancial we look at much more than just your credit score and use many factors to approve applicants for a loan. In fact, we can even approve borrowers that have no credit history including students and new Canadians. Our ability to provide our customers with a loan is based on your unique credit and financial history so even if you have had past credit issues, we encourage you to apply.

Will applying for an easyfinancial loan affect my credit score?


No, applying for an easyfinancial loan will not affect your credit score. We can approve you based on a soft credit inquiry which allows you to see how much you qualify for before deciding to proceed with the final steps of your loan application. Only when you decide to finalize your loan, will we need to pull your full credit report which is known as a hard inquiry.