easyfinancial offers a variety of financial services including Personal Loans and secured loans. easyfinancial is a division of goeasy Ltd., a leading full-service provider of goods and alternative financial services that improve the lives of everyday Canadians. goeasy Ltd. is listed on the TSX under the symbol 'GSY'.

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 on unsecured loans and payment protection plans to help save you interest, protect you and get you out of debt sooner.

• • Unsecured Personal Loan amortization between 9-84 months. easyfinancial offers unsecured Personal Loans in Canada (different lending rules apply to Quebec and can be found at www.easyfinanciere.com and different lending rules for high-cost credit products may apply to Manitoba). Loan amounts range from $500-$20,000, with rates between 29.99%-46.96% depending on your loan size, length of term and our assessment of your credit profile. In Quebec, easyfinancière offers Personal Loans of $1,000 to $20,000 on terms of 24 to 78 months. The annual cost of borrowing is 35%. See branch for details.

  • Secured Personal Loan amortization between 72, 96, 120, 180 and 240 months. Amounts range from $15,000-$100,000, with rates between 9.99%-25.99% depending on your loan size, length of term and our assessment of your credit profile. Secured Personal Loans may be subject to additional fees that vary by province and are subject to a 6-month loan interest penalty when paid out before the end of the loan term. See branch for details.

  • On average loan applications receive credit pre-approval within 10 minutes, and get a final lending decision within 30 minutes. Secured Personal Loans can be issued in as little as 2 business days. Pre-approval is subject to change based on income verification and other documents.

  • Loan payment includes applicable provincial taxes. Loan Protection Plans are optional insurance programs available for an additional premium fee. You may also obtain similar products from other sources.

  • easyfinancial offers short term Personal Loans and is not a credit repair service. easyfinancial may help improve your credit score by building a credit history provided your payments are made in full and on-time.

Funds directly deposited into your bank account via wire transfer, EFT or eTransfer will incur an additional charge of up to $10.99 per transfer. Loans funded by cheque are free and will be mailed directly to your home.

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. In the province of Alberta, you will be charged a $25.00 fee for high cost credit products per event. If you fail to make a payment when due, the unpaid principal 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 any security given for a loan.

Refer a friend or family member and receive a $100 referral reward on every funded loan. Only one (1) referral reward payable per referee. Limit of five (5) referrals. Referrer must be a resident of Canada (excluding Manitoba) and have reached the age of majority in his/her province/territory of residence. Your account must be in good standing. For purposes of this offer, “family” includes your spouse, common-law spouse, child, or parent, in each case where there is voluntary, direct, two-way communication between yourself and the referred family member. For purposes of this offer, “friend” includes only an individual with whom you have a voluntary, direct, two-way communication and it would be reasonable to conclude that they have a personal relationship with you and have met in person. Offer excludes any referral, direct or indirect, from Mortgage Agents, Mortgage Brokers, Mortgage Advisors or their employees, agents or their affiliates. Conditions apply; see in store for details. Offer excludes Manitoba and other jurisdictions where not permissible by law.

Applying will not affect your credit score. 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 provinces 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 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.

The optional Loan Protection Plans¹ are provided under the following group master policies: Loan Protection Plan – Unsecured: EFL012017 & EF012017 Loan Protection Plan – Secured: EFL082017 & EF082017. The applicable plan is determined by the type of loan being insured. The complete terms, eligibility, benefits, limitations and exclusions are contained in the Certificates 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. Credit Optimizer has a Target Score Calculator and a Money Calculator, that estimate how certain changes in your credit behavior may impact your credit score. Credit Optimizer is not a credit repair or credit counseling tool, and does not provide credit repair advice.

Business loans from $5000 to $500,000. 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.