Easyfinancial
Get approved in minutes for up to $20,000, enjoy flexible repayment options, and rates from 29.99%. Applying does not affect your credit score.
Easyfinancial stands out for Canadians who need a fast, straightforward loan approval when traditional banks say no. You can get approved for amounts from $500 up to $20,000, with flexible terms from 9 to 84 months. Personal loan rates start at 29.99% and your application won’t affect your credit score. If you bring a co-applicant, you might even be eligible for a 2% lower interest rate.
How to Apply for an Easyfinancial Loan
- Apply by phone, online, or at one of over 400 locations across Canada.
- Choose your desired loan amount and repayment schedule.
- Submit required documentation and wait for a 10-minute approval decision.
- Get your funds the same day if approved.
Pros of Easyfinancial Loans
If you have less-than-perfect credit or limited financial history, Easyfinancial offers genuine opportunities. Approval decisions are quick, and many applicants receive their money the same day.
Unlike traditional banks, repayments are flexible, and you can pay off your loan at any time without penalty. The ability to add a co-applicant for better rates is also a standout feature.
Cons of Easyfinancial Loans
The starting interest rate of 29.99% is significantly higher than what you’d find at a prime lender, though this is common for non-prime loans.
Optional loan protection plans are bundled by default, so be sure to review the fine print before finalizing your application to avoid unexpected charges.
Nosso veredicto
Easyfinancial personal loans are a strong option for Canadians with less-than-perfect credit seeking quick access to funds. You benefit from fast approvals, flexible repayment choices, and a chance to rebuild your credit with on-time payments. However, the higher interest rates mean you should compare options and ensure this loan truly fits your needs. Overall, Easyfinancial scores well on convenience and accessibility.
