Published instalment loan terms, side by side. Rates reviewed August 2026.
Best for: Ontario borrowers with poor credit who want an instalment loan rather than a payday advance
Apply Now Full profileBest for: Borrowers who want branch support and the option to scale from a small unsecured loan to a large secured one
Apply Now Full profile| Cash 4 You | easyfinancial | |
|---|---|---|
| Amount range | $100 – $20,000 | $500 – $20,000 |
| Rate | 34.37% APR | 9.99 - 34.99% APR |
| Term | 6 – 84 months | 9 – 84 months |
| Funding speed | 1 day | 2 days |
| Minimum income | $1,500/month minimum | $1,200/month minimum |
| Income types | 3 income types accepted | 5 income types accepted |
| Minimum credit band | poor | poor |
| Provinces | 1 provinces | All provinces and territories |
