Cash Money vs easyfinancial
A detailed side-by-side comparison of two popular Canadian lenders. See how they stack up on rates, loan amounts, eligibility, and overall experience.
Side-by-Side Comparison
| Feature | Cash Money | easyfinancial |
|---|---|---|
| Loan Amounts | $500 – $10,000 | $500 – $150,000 |
| Interest Rates | Up to 34.99% APR | 9.99% – 34.95% APR |
| Loan Terms | Up to 60 months | 9 – 240 months |
| Credit Required | All credit types considered | All credit types accepted |
| Funding Speed | Same day | Same day to 2 business days |
| Headquarters | Toronto, Ontario | Mississauga, Ontario |
| Founded | 1992 | 2006 |
| Best For | Borrowers who prefer in-person service or need same-day access to cash | Borrowers with poor credit who need larger loan amounts |
Loan Amounts
Cash Money
$500 – $10,000
easyfinancial
$500 – $150,000
Interest Rates
Cash Money
Up to 34.99% APR
easyfinancial
9.99% – 34.95% APR
Loan Terms
Cash Money
Up to 60 months
easyfinancial
9 – 240 months
Credit Required
Cash Money
All credit types considered
easyfinancial
All credit types accepted
Funding Speed
Cash Money
Same day
easyfinancial
Same day to 2 business days
Headquarters
Cash Money
Toronto, Ontario
easyfinancial
Mississauga, Ontario
Founded
Cash Money
1992
easyfinancial
2006
Best For
Cash Money
Borrowers who prefer in-person service or need same-day access to cash
easyfinancial
Borrowers with poor credit who need larger loan amounts
Pros & Cons
Cash Money
Pros
- Over 30 years of established lending history in Canada
- Multiple product types: payday, installment, and line of credit
- Same-day funding available
- Both online and in-person application options
Cons
- Interest rates can reach 34.99% APR for installment loans
- Payday loan products are high-cost short-term borrowing
- Not all products available in every province
easyfinancial
Pros
- Accepts all credit types including poor credit
- Very large loan amounts available (up to $150,000 secured)
- Over 400 locations across Canada for in-person service
- Reports to both Equifax and TransUnion for credit building
Cons
- Interest rates can be high for unsecured loans
- Secured loans require collateral (home equity or vehicle)
- Some products have origination or administrative fees
Which Lender Should You Choose?
Choose Cash Money if you're looking for a lender that specializes in borrowers who prefer in-person service or need same-day access to cash. They offer loan amounts of $500 – $10,000 with funding as fast as same day.
Choose easyfinancial if you're better described as borrowers with poor credit who need larger loan amounts. They offer $500 – $150,000 with all credit types accepted credit requirements.
Still unsure? Apply through 365 Loans to compare offers from both lenders and more — with no impact on your credit score.
Frequently Asked Questions
Is Cash Money or easyfinancial better?
It depends on your needs. Cash Money is rated 3.6/5 and is best for borrowers who prefer in-person service or need same-day access to cash. easyfinancial is rated 3.8/5 and is best for borrowers with poor credit who need larger loan amounts.
Which has lower interest rates?
Cash Money charges Up to 34.99% APR, while easyfinancial charges 9.99% – 34.95% APR. Your actual rate depends on your credit profile.
Which lender funds faster?
Cash Money: Same day. easyfinancial: Same day to 2 business days.
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