easyfinancial Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov
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Four questions checked against easyfinancial's published criteria, per product. No application started.
easyfinancial counts disability and pension payments toward its income test, and a co-signer can lift the income requirement out of the equation entirely.
The qualifying list runs to employment, self-employment, disability benefits and pension income, and at least $1,000 a month has to come from it. Money from outside the list can top up the total, but it cannot carry the application on its own.
With a co-signer present the income requirement may be waived altogether. Eligible applicants who add a co-applicant also receive a two percent rate reduction, which is the only published discount on the product.
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20 reviews from borrowers who used easyfinancial. Reviews are moderated; lenders cannot remove them.
I had a great experience at easyfinancial. They are friendly and always helpful. Thank you for great advice!
Easy process to consolidation loan application and approval. Good company to deal with and they really understood my position.
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!
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.
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!
overall great company
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
Very professional and helpful. They listened to my problem with patients and understanding.
Quick, easy funding with very friendly and helpful staff. (via feefo)
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
Showing 10 of 20 reviews.
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.
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.
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.
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.
Once approved, loan funds can be deposited as quickly as within 24 hours via Interac e-Transfer.
No—easyfinancial allows you to get a loan quote without impacting your credit score.
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.
Visit easyfinancial.com to start your application or explore more about how easyfinancial is helping Canadians create a better financial future.
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.
