Personal Loans

When banks aren’t an option, we can help you get a personal loan from $500 up to $20,000, even with no credit history. We offer personalized products and affordable payment plans with terms up to 84 months designed to fit your unique needs and budget.

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

Benefits of a Personal Loan

Fast access to money

With Interac® e-Transfer, get your money in as little as 2 hours after getting approved.

Flexible loan options

We offer personalized rates and payment terms to help you find a solution that fits your budget. If you’re able, you can pay off your loan at any time with no penalty and save the interest. Plus, you can get a 2% rate reduction with a co-applicant.

Apply without affecting your credit score

Apply in minutes to find out how much you could qualify for. There is no commitment and it won’t affect your credit score.

Rebuild your credit

With every on-time payment, you are one step closer to rebuilding your credit and graduating to bank rates.

No credit history needed

If you’re a student or new to Canada, we can help get you approved even with no credit history.

Apply in 3 easy steps

1

Apply on the phone, online or at one of over 380 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

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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.

60%

of customers improve
their credit score

1in3

customers graduate to
prime rates

380+

locations in

Canada

599K

customers

served

94%

satisfaction

rate

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.

60%

of customers improve
their credit score

1in3

customers graduate to
prime rates

380+

locations in

Canada

599K

customers

served

94%

satisfaction

rate

What people love about us

Have questions? We can help.

What can I use a Personal Loan for?

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?

Our interest rates range from 14.99% – 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?

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 or vehicle. By securing your loan, you can access higher loan amounts up to $50,000 and lower rates as low as 14.99%.

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

We require the following documents: 1. 2 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?

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

Take control of your financial future

What to do when you can't pay your bills

What to do when you can't pay your bills

Read more

How to increase your credit limit

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Free budget calculator and planner

Free budget calculator and planner

Read more

Start your better tomorrow, today

Applying won’t affect your credit score

What to do when you can't pay your bills

What to do when you can't pay your bills

Read more

How to increase your credit limit

Read more

Start your better tomorrow, today

Applying won’t affect your credit score

What to do when you can't pay your bills

What to do when you can't pay your bills

Read more

How to increase your credit limit

Read more

Start your better tomorrow, today

Applying won’t affect your credit score