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:
Bill Payments
Debt Consolidation
Home & Auto Repairs
Benefits of a Personal Loan
Fast access to money
With Interac® e-Transfer, get your money within 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 350 locations nationally
2
Submit your documents. Get a 2% rate reduction with a co-applicant
3
Get your money
as soon as today
documents
you need to apply.
Value-Added Services
We understand that improving your financial future includes more than just accessing the loan you need today.
Loan Protection
Plans
Loan Protection
Plans
Home & Auto
Benefit Plan
Home & Auto
Benefit Plan
Credit
Optimizer
Credit
Optimizer
Free Financial
Education
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%
60%
of customers improve
their credit score
1in3
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%
60%
of customers improve
their credit score
1in3
1in3
customers graduate to
prime rates
What people love about us
Ethan
Had the most pleasant and fantastic service at easyfinancial. Chloe went above and beyond to help us achieve our financial relief goal in the most friendly and professional manner.
Robert Brisebois
Stephan
Quick and easy process. Got money within 48 hours of applying. Highly recommend!
Sean Crawford
They were willing to work with me to approve my personal loan when no other company or bank would help. That means a lot to me as I needed to get a credit rating.
Adriana Manta
Clayton and Melissa did a good job helping me create a plan to repay my old debt with a Personal Loan. Very informative customer service experience. Thanks again.
Natasha Chery
Great people, great service. Working with Melissa and Jerry was a pleasure! I had a surprise financial setback (thanks condo board) and they were happy to help me!
Ethan
Had the most pleasant and fantastic service at easyfinancial. Chloe went above and beyond to help us achieve our financial relief goal in the most friendly and professional manner.
Robert Brisebois
Stephan
Quick and easy process. Got money within 48 hours of applying. Highly recommend!
Sean Crawford
They were willing to work with me to approve my personal loan when no other company or bank would help. That means a lot to me as I needed to get a credit rating.
Adriana Manta
Clayton and Melissa did a good job helping me create a plan to repay my old debt with a Personal Loan. Very informative customer service experience. Thanks again.
Natasha Chery
Great people, great service. Working with Melissa and Jerry was a pleasure! I had a surprise financial setback (thanks condo board) and they were happy to help me!
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 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?
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?
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?
There are no upfront fees to apply for a Personal Loan.
