easyfinancial vs Cash Money
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 | easyfinancial | Cash Money |
|---|---|---|
| Loan Amounts | $500 – $150,000 | $500 – $10,000 |
| Interest Rates | 9.99% – 34.95% APR | Up to 34.99% APR |
| Loan Terms | 9 – 240 months | Up to 60 months |
| Credit Required | All credit types accepted | All credit types considered |
| Funding Speed | Same day to 2 business days | Same day |
| Headquarters | Mississauga, Ontario | Toronto, Ontario |
| Founded | 2006 | 1992 |
| Best For | Borrowers with poor credit who need larger loan amounts | Borrowers who prefer in-person service or need same-day access to cash |
Loan Amounts
easyfinancial
$500 – $150,000
Cash Money
$500 – $10,000
Interest Rates
easyfinancial
9.99% – 34.95% APR
Cash Money
Up to 34.99% APR
Loan Terms
easyfinancial
9 – 240 months
Cash Money
Up to 60 months
Credit Required
easyfinancial
All credit types accepted
Cash Money
All credit types considered
Funding Speed
easyfinancial
Same day to 2 business days
Cash Money
Same day
Headquarters
easyfinancial
Mississauga, Ontario
Cash Money
Toronto, Ontario
Founded
easyfinancial
2006
Cash Money
1992
Best For
easyfinancial
Borrowers with poor credit who need larger loan amounts
Cash Money
Borrowers who prefer in-person service or need same-day access to cash
Pros & Cons
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
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
Which Lender Should You Choose?
Choose easyfinancial if you're looking for a lender that specializes in borrowers with poor credit who need larger loan amounts. They offer loan amounts of $500 – $150,000 with funding as fast as same day to 2 business days.
Choose Cash Money if you're better described as borrowers who prefer in-person service or need same-day access to cash. They offer $500 – $10,000 with all credit types considered 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 easyfinancial or Cash Money better?
It depends on your needs. easyfinancial is rated 3.8/5 and is best for borrowers with poor credit who need larger loan amounts. Cash Money is rated 3.6/5 and is best for borrowers who prefer in-person service or need same-day access to cash.
Which has lower interest rates?
easyfinancial charges 9.99% – 34.95% APR, while Cash Money charges Up to 34.99% APR. Your actual rate depends on your credit profile.
Which lender funds faster?
easyfinancial: Same day to 2 business days. Cash Money: Same day.
Other Lender Comparisons
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