Apply for a personal loan in Toronto and get a decision in minutes
Get more money at lower rates with Toronto's best payday loan alternative. Easyfinancial offers personal loans up to $20,000* that can help improve bad credit and get you on a path to a better financial future.
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.
See how we have helped thousands of easyfinancial Toronto customers just like you
Here’s what Canadians love about us
Here’s what Canadians love about us
Jenevy Hughes
Jolyn the financial advisor here at Grande Praire is very helpful. She knows what she is doing. Witty, friendly and approachable person. Keep up the good work!
Bernard Knoll
She showed me respect as if I was getting a million dollar loan or a $10 loan she made me feel extremely comfortable
Tanya Morgan
Absolutely on point and followed up promptly with emails and phone calls as email is my preferred method of contact. Prompt, courteous and explained everything.
Stephen Dicks
They made it easy to get help with the loan. I would definitely recommend to any of my friends. Also looking forward to getting a bedroom suite.
Rania El-Issawi
easyfinancial agent Mehru was very helpful. He explained it step by step. Fast and easy you'll get the help you need and the money in your account in hours once you get approved.
Manpreet Aulakh
Customer service is really great they give me all knowledge about my loan. I am very satisfied with their staff. All in all, it is a very good start with easyfinancial.
Jenevy Hughes
Jolyn the financial advisor here at Grande Praire is very helpful. She knows what she is doing. Witty, friendly and approachable person. Keep up the good work!
Bernard Knoll
She showed me respect as if I was getting a million dollar loan or a $10 loan she made me feel extremely comfortable
Tanya Morgan
Absolutely on point and followed up promptly with emails and phone calls as email is my preferred method of contact. Prompt, courteous and explained everything.
Stephen Dicks
They made it easy to get help with the loan. I would definitely recommend to any of my friends. Also looking forward to getting a bedroom suite.
Rania El-Issawi
easyfinancial agent Mehru was very helpful. He explained it step by step. Fast and easy you'll get the help you need and the money in your account in hours once you get approved.
Manpreet Aulakh
Customer service is really great they give me all knowledge about my loan. I am very satisfied with their staff. All in all, it is a very good start with easyfinancial.
Have questions? We can help.
What credit score do I need for easyfinancial?
This is determined on a case-by-case basis. We use many factors to approve applicants for a loan, including monthly income and credit score. We factor in your debt-to-income ratio (50%), debts in collections, car payments, and monthly debt obligations. Those with bad credit (300-720) are encouraged to apply.
What is a soft inquiry and how is it different than a hard inquiry?
A soft inquiry is when your credit report is pulled for informational purposes and does not affect your credit score. A soft inquiry is simply a review of your credit report that's used to determine if you are eligible for a pre-approved offer and may be used to verify who you are. When a company conducts a soft inquiry, this is only visible to you, and is not seen by other lenders therefore it will not negatively affect your credit score.
A hard inquiry is when a credit report is requested from the credit bureau for the purpose of evaluating you as a borrower. A hard inquiry can affect your credit score and can be seen by other lenders. However, keep in mind that hard inquiries are only one of the five major factors that help determine your credit score. Other factors such a payment history and credit utilization play a much bigger role in determining your credit score.
What documents are needed to get an approval?
We require the following documents:
2 recent pay stubs
Last 90 days of banking information
1 recent bill addressed to your current home
A piece of government photo ID
