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Eastern Loans vs Spring Financial

Published instalment loan terms, side by side. Rates reviewed August 2026.

Eastern Loans

★ 4.6 from 22 reviews

Best for: Borrowers who need a few hundred dollars quickly and want a rate well under the cap

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Spring Financial

★ 4.4 from 28 reviews

Best for: Borrowers with fair or poor credit who want a long repayment runway and a path to better credit

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The short version

Spring Financial publishes the lower starting rate: From 9.99% APR against 23% APR.
Spring Financial lends the larger amounts, up to $35,000.
Eastern Loans publishes the faster funding speed: 1 day.
Spring Financial serves the wider set of provinces.

Computed from each lender's published terms, reviewed August 2026. Where a lender does not publish a figure, no claim is made.

	Eastern Loans	Spring Financial
Amount range	$500 – $750	$500 – $35,000
Rate	23% APR	From 9.99% APR
Term	3 – 6 months	6 – 84 months
Funding speed	1 day	2 days
Minimum income	$1,200/month minimum	$2,000/month minimum
Income types	3 income types accepted	3 income types accepted
Minimum credit band	any	poor
Provinces	11 provinces	All provinces and territories

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