easyfinancial
Fast approval in 10 minutes. Loans up to $150,000, with flexible repayment terms, options for those turned away by banks, and affordable payment plans.
easyfinancial offers a wide range of loan products for Canadians seeking quick access to funds, regardless of their credit history. Personal loans are available from $500 to $20,000, with rates starting at 29.99% and terms lasting between 9 and 84 months. For larger needs, home equity loans range from $15,000 up to $150,000, with competitive rates starting at 9.99% and terms stretching from 72 to 240 months.
Applicants can rest assured knowing that starting a loan application with easyfinancial won’t affect their credit score. Approval can be received in as little as 10 minutes, and funds may be available on the same day, making the process exceptionally convenient and accessible. You can also lower your interest rate by 2% if you apply with a co-applicant, further enhancing affordability.
How to Apply: Step by Step
- Start your application online, by phone, or at any of 400+ branches nationwide.
- Provide required documents, such as proof of income and identification.
- Choose your preferred loan type and repayment plan.
- Get approved in minutes and receive your funds, sometimes the same day.
Pros of easyfinancial Loans
One of the major advantages of easyfinancial is the speed and flexibility of its application process. You don’t need a perfect credit score, and there are affordable payment solutions for a variety of budgets.
The broad range of loan options means you can choose exactly what fits your needs, whether you want a smaller unsecured loan or to leverage your home equity for a larger amount. The ability to pay off loans anytime without penalties adds even more flexibility.
Cons of easyfinancial Loans
On the downside, interest rates for personal loans are notably higher than what banks typically offer, especially if you have good credit. Home equity loan rates are more competitive but still might not be the lowest available.
Additionally, optional loan protection plans could increase the cost of your repayments, so it’s important to review your options carefully before accepting.
Veredicto
easyfinancial stands out for the convenience and inclusiveness of its lending solutions. If you need money quickly and your circumstances make traditional bank loans difficult to obtain, this lender provides a transparent and user-friendly alternative. Just be mindful of rates and compare your options to ensure it’s the right fit for your financial needs.
