easyfinancial vs Marble Financial
A detailed side-by-side comparison of two popular Canadian lenders. See how they stack up on rates, loan amounts, eligibility, and overall experience.
Marble Financial
Canadians with damaged credit who want a structured path to rebuild their score
Full Review →Side-by-Side Comparison
| Feature | easyfinancial | Marble Financial |
|---|---|---|
| Loan Amounts | $500 – $150,000 | Credit rebuilding programs |
| Interest Rates | 9.99% – 34.95% APR | Varies by program |
| Loan Terms | 9 – 240 months | 12 – 36 months |
| Credit Required | All credit types accepted | Poor to fair credit (below 600) |
| Funding Speed | Same day to 2 business days | 1 – 5 business days |
| Headquarters | Mississauga, Ontario | Vancouver, British Columbia |
| Founded | 2006 | 2016 |
| Best For | Borrowers with poor credit who need larger loan amounts | Canadians with damaged credit who want a structured path to rebuild their score |
Loan Amounts
easyfinancial
$500 – $150,000
Marble Financial
Credit rebuilding programs
Interest Rates
easyfinancial
9.99% – 34.95% APR
Marble Financial
Varies by program
Loan Terms
easyfinancial
9 – 240 months
Marble Financial
12 – 36 months
Credit Required
easyfinancial
All credit types accepted
Marble Financial
Poor to fair credit (below 600)
Funding Speed
easyfinancial
Same day to 2 business days
Marble Financial
1 – 5 business days
Headquarters
easyfinancial
Mississauga, Ontario
Marble Financial
Vancouver, British Columbia
Founded
easyfinancial
2006
Marble Financial
2016
Best For
easyfinancial
Borrowers with poor credit who need larger loan amounts
Marble Financial
Canadians with damaged credit who want a structured path to rebuild their score
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
Marble Financial
Pros
- Specifically designed for credit rebuilding
- Payment history reported to both Equifax and TransUnion
- AI-driven personalized financial improvement plans
- Savings component — you build savings while rebuilding credit
Cons
- Not a traditional loan — focused on credit rebuilding
- Results take time (typically 6–12 months to see improvement)
- Monthly program fees may apply
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 Marble Financial if you're better described as canadians with damaged credit who want a structured path to rebuild their score. They offer Credit rebuilding programs with poor to fair credit (below 600) 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 Marble Financial 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. Marble Financial is rated 3.6/5 and is best for canadians with damaged credit who want a structured path to rebuild their score.
Which has lower interest rates?
easyfinancial charges 9.99% – 34.95% APR, while Marble Financial charges Varies by program. Your actual rate depends on your credit profile.
Which lender funds faster?
easyfinancial: Same day to 2 business days. Marble Financial: 1 – 5 business days.
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