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Responsible Lending
easyfinancial is committed to responsible lending and absolute transparency when it comes to rates and fees. We want you to read the fine print before you borrow money with us. We allow free early repayments and payment protection plans to help save you interest, protect you and get you out of debt sooner.

Rates, Fees and APR
The total cost of borrowing money with us is expressed as an Annual Percentage Rate of 19.99 – 46.96%. Loan payment includes applicable provincial taxes but exclude prepaid card fees. Loan Protection Program (LPP) coverage is optional and comes at an additional fee. You may also obtain similar services from other sources.

Late-payment and non-payment
In the event that any cheque or other payment method is not honoured due to insufficient funds, you will be charged a $50.00 fee per event. If you fail to make a payment when due, the unpaid principle and accrued interest will immediately become due without notice to you. You are responsible for any legal costs incurred to collect upon any amount owing and/or incurred to protect or realize the security given for the loan.

Loan Funding Type

  • Separately purchase a pre-paid card product from us for an additional cost and have fast money loaded onto the card. You will be provided with a separate disclosure document setting out the fees you will incur in using a pre-paid card.

  • Funds directly deposited into your bank account via wire transfer or EFT will incur an additional charge of $1.00 per transfer.

  • Loans funded by cheque are free and will be mailed directly to your home.

APR 19.99% - 46.96%