Marble Financial 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.
Marble Financial
Canadians with damaged credit who want a structured path to rebuild their score
Full Review →Side-by-Side Comparison
| Feature | Marble Financial | easyfinancial |
|---|---|---|
| Loan Amounts | Credit rebuilding programs | $500 – $150,000 |
| Interest Rates | Varies by program | 9.99% – 34.95% APR |
| Loan Terms | 12 – 36 months | 9 – 240 months |
| Credit Required | Poor to fair credit (below 600) | All credit types accepted |
| Funding Speed | 1 – 5 business days | Same day to 2 business days |
| Headquarters | Vancouver, British Columbia | Mississauga, Ontario |
| Founded | 2016 | 2006 |
| Best For | Canadians with damaged credit who want a structured path to rebuild their score | Borrowers with poor credit who need larger loan amounts |
Loan Amounts
Marble Financial
Credit rebuilding programs
easyfinancial
$500 – $150,000
Interest Rates
Marble Financial
Varies by program
easyfinancial
9.99% – 34.95% APR
Loan Terms
Marble Financial
12 – 36 months
easyfinancial
9 – 240 months
Credit Required
Marble Financial
Poor to fair credit (below 600)
easyfinancial
All credit types accepted
Funding Speed
Marble Financial
1 – 5 business days
easyfinancial
Same day to 2 business days
Headquarters
Marble Financial
Vancouver, British Columbia
easyfinancial
Mississauga, Ontario
Founded
Marble Financial
2016
easyfinancial
2006
Best For
Marble Financial
Canadians with damaged credit who want a structured path to rebuild their score
easyfinancial
Borrowers with poor credit who need larger loan amounts
Pros & Cons
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
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 Marble Financial if you're looking for a lender that specializes in canadians with damaged credit who want a structured path to rebuild their score. They offer loan amounts of Credit rebuilding programs with funding as fast as 1 – 5 business days.
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 Marble Financial or easyfinancial better?
It depends on your needs. Marble Financial is rated 3.6/5 and is best for canadians with damaged credit who want a structured path to rebuild their score. easyfinancial is rated 3.8/5 and is best for borrowers with poor credit who need larger loan amounts.
Which has lower interest rates?
Marble Financial charges Varies by program, while easyfinancial charges 9.99% – 34.95% APR. Your actual rate depends on your credit profile.
Which lender funds faster?
Marble Financial: 1 – 5 business days. easyfinancial: Same day to 2 business days.
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