Time in business:
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easyfinancial is a Canadian non-prime consumer lending provider that helps everyday Canadians access personal loans and home equity loans. Designed for those who may have been turned down by traditional banks, easyfinancial offers a second chance to rebuild credit, improve financial health, and work toward long-term financial stability.
Products Offered
AMOUNT
$500 - $150,000
INTEREST RATE
9.99% - 34.99%
TERMS
9 - 240 months
Personal Loan
Conditions & Rates
Interest rate
- Interest rates range from 29.99% to 34.99%, based on loan amount, term, and credit profile
Amount
- $500 to $20,000 everywhere in Canada, except Quebec
- $1,000 to $20,000 in Quebec
Term
Repayment terms range from:
- 9 to 84 months in ROC
- 24 to 78 months in Quebec
Eligibility & Documents
Minimum monthly net income of $1,200, with at least $1,000 earned from:
- Full-time or part-time employment
- Self-employment
- Disability benefits
- Pension income
If a co-signer is present, the income requirement may be waived
Required documents include:
- Valid government-issued ID
- Proof of income
- Proof of address
- Void cheque or pre-authorized debit form
Repayment & Issuance
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Funds available in as little as 24 hours via Interac e-transfer
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Repayments are spread across your selected loan term
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On-time payments help build or improve credit
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Eligible applicants can receive a 2% rate reduction with a co-applicant
Home Equity Loan
Conditions & Rates
Interest rate
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Interest rates range from 9.99% to 25.99%
Amount
-
Loan amounts range from $15,000 to $150,000
Term
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Repayment terms range from 72 to 240 months
Notes
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Final loan terms depend on your loan amount and credit assessment
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Additional fees apply and may include a 6-month loan interest penalty if the loan is paid off within the first 36 months
Eligibility & Documents
Minimum monthly net income of $1,200, with at least $1,000 earned through:
- Full-time or part-time work
- Self-employment
- Disability or pension income
Required documents include:
- Valid government-issued ID
- Proof of income
- Proof of address
- Void cheque or pre-authorized debit form
- Annual mortgage statement
- Annual property tax statement
Repayment & Issuance
- Applicants can apply in less than 10 minutes
- A loan quote will not impact your credit score
- Loan funds are typically issued quickly once approved
- On-time payments can help build or improve your credit
- easyfinancial’s lowest available rate for home equity loans starts at 9.99%
Contact information
loans@goeasy.com- 33 City Centre Drive, 5th floor, Mississauga, ON, L5B 2N5
Availability:
All of CanadaSupport Offered:
- Web Chat
- Help Center/Blog
- Email Support
- Call Centre
Call Center:
Mon-Fri 9am - 1030pm ESTSat 10am-830pm EST
Sun 10am-630pm est
Frequently Asked Questions About easyfinancial
What is easyfinancial?
What types of loans does easyfinancial offer?
easyfinancial offers two main loan types. Personal Loans (Unsecured) allow you to borrow between $500 to $20,000, depending on your province, with repayment terms ranging from 9 to 84 months and interest rates between 29.99% and 34.99%. Home Equity Loans (Secured) offer loan amounts from $15,000 to $150,000, with interest rates starting at 9.99% and going up to 25.99%, and terms ranging from 72 to 240 months.
How fast can I get the money?
Once approved, loan funds can be deposited as quickly as within 24 hours via Interac e-Transfer.
What makes easyfinancial different from payday lenders or banks?
easyfinancial offers larger loan amounts, longer repayment terms, and more manageable interest rates than payday lenders. Compared to traditional banks, easyfinancial provides accessible options for those with non-prime credit, helping clients get back on track and eventually qualify for prime lending products.
What do I need to apply for a loan from easyfinancial?
To apply for a loan from easyfinancial, you’ll need a valid government-issued ID, proof of income, proof of address, and a void cheque or pre-authorized debit form. If you’re applying for a home equity loan, you’ll also need to provide a mortgage statement and a property tax statement.
Who does easyfinancial help?
easyfinancial supports non-prime Canadians—those who may have limited credit history, past credit challenges, or have been denied by traditional banks. In fact, over 70% of easyfinancial customers have been turned down for credit elsewhere.
Can I apply if I have bad credit?
Yes. easyfinancial is designed to support customers with low or no credit scores. With each on-time payment, borrowers can work toward rebuilding their credit and improving their financial standing.
Does applying affect my credit score?
No—easyfinancial allows you to get a loan quote without impacting your credit score.
Where can I apply or learn more?
Visit easyfinancial.com to start your application or explore more about how easyfinancial is helping Canadians create a better financial future.
easyfinancial Reviews
Avg. Rating: 4.6 (20 reviews)
Quick and easy!
April 8, 2018
“I had a great experience at easyfinancial. They are friendly and always helpful. Thank you for great advice! ”
Consolidated
April 8, 2018
“Easy process to consolidation loan application and approval. Good company to deal with and they really understood my position. ”
If you need this,use them
April 8, 2018
“I literally applied and it took me 10 minutes to do the application.
I got a call from their representative 10 minutes later,got approved went over few things and got funded so quickly! ”
Trying to build my credit
April 8, 2018
“Well like many others, I'm trying to rebuild my credit and don't have the best score about 545. I got a quick approval like they stated for the amount I asked. They even found equity in my beater commuter car, which was a pleasant surprise. ”
Satisfied
April 8, 2018
“You guys called me at just the right time to let me know I had funds available! Thanks Kitchener Forest Glen branch for your prompt and courteous service! ”
Great
April 8, 2018
“overall great company ”
Love easy financial
April 8, 2018
“It was frustrating going back and fourth with getting documents set for the pre approved loan but once I got it I was super ecstatic. Easy financial gave me a second chance at bettering my creditscore when no other finance company would help me with a loan. I was in bad financial need and easy financial pulled through. Thank you easy financial you guys helped me out greatly. Your staff also were a great help ”
Helpful
July 28, 2019
“Very professional and helpful. They listened to my problem with patients and understanding.”
Great experience
July 28, 2019
“Quick, easy funding with very friendly and helpful staff. (via feefo)”
Good experience
July 28, 2019
“This being my first loan in a very long time, 1990 being the last time. I didn't know what to expect. The loan officer was helpful, pleasant and thoughtful. I was impressed by his professional performance and helping nature. I left happy and will use Easyfinancial when I need a loan again ”
Fast service, high interest
July 28, 2019
“Quick decisions and getting funds into my account. Interest rates are high. (via feefo)”
Nice staff
July 28, 2019
“Staff was very knowledgeable & helpful; easy to talk with & explained in detail all the necessary info required. I would definitely use easy financial again.”
Helpful
September 12, 2019
“I got approved online within a few hours and went to an easyfinancial store near my house to get the funds. The extra cash helped me payoff some of my bills”
Seamless from Start to Finish
April 7, 2025
“The whole process with easyfinancial was seamless. From application to funding, it was super fast!”
Approved When the Bank Said No
April 7, 2025
“I got a personal loan from easyfinancial when my bank said no. It was a huge relief. The interest rate was fair and I appreciated the support.”
Stress-Free Debt Consolidation
April 7, 2025
“easyfinancial helped me consolidate my debt with no hassle. The staff was professional and truly cared about my situation.”
Helped Me Get Back on the Road
June 4, 2025
“Good alternative when the banks won’t lend. easyfinancial made it possible for me to fix my car and keep working.”
Consistently Excellent Service
June 4, 2025
“I’ve used easyfinancial twice now and both experiences were excellent. Funds came quickly and helped in emergencies.”
Excellent Service and Clear Guidance
June 4, 2025
“The customer service at easyfinancial was top-notch. They explained every step clearly and answered all my questions. ”
Approved Fast, but Rigid Repayment
June 4, 2025
“easyfinancial got me approved, but I wish the repayment terms were more flexible. Still, better than payday loans.”
