Published instalment loan terms, side by side. Rates reviewed August 2026.
Best for: Borrowers who want branch support and the option to scale from a small unsecured loan to a large secured one
Apply Now Full profileBest for: Borrowers with fair or poor credit who want a long repayment runway and a path to better credit
Apply Now Full profile| easyfinancial | Spring Financial | |
|---|---|---|
| Amount range | $500 – $20,000 | $500 – $35,000 |
| Rate | 9.99 - 34.99% APR | From 9.99% APR |
| Term | 9 – 84 months | 6 – 84 months |
| Funding speed | 2 days | 2 days |
| Minimum income | $1,200/month minimum | $2,000/month minimum |
| Income types | 5 income types accepted | 3 income types accepted |
| Minimum credit band | poor | poor |
| Provinces | All provinces and territories | All provinces and territories |
