easyfinancial Review 2026
Borrowers with poor credit who need larger loan amounts
Loan Amounts
$500 – $150,000
Interest Rates
9.99% – 34.95% APR
Loan Terms
9 – 240 months
Credit Required
All credit types accepted
Funding Speed
Same day to 2 business days
Headquarters
Mississauga, Ontario
What is easyfinancial?
easyfinancial is a subsidiary of goeasy Ltd. (TSX: GSY), a publicly traded Canadian company. They specialize in personal loans for borrowers who may not qualify at traditional banks.
With both unsecured loans (up to $20,000) and secured loans (up to $150,000), easyfinancial serves a wide range of borrowing needs. They have over 400 locations across Canada.
easyfinancial reports payment history to both major Canadian credit bureaus (Equifax and TransUnion), helping borrowers rebuild credit over time.
Pros & Cons
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
- Publicly traded parent company (goeasy Ltd. on TSX)
Cons
- Interest rates can be high for unsecured loans
- Secured loans require collateral (home equity or vehicle)
- Some products have origination or administrative fees
- In-branch visit may be needed for larger loan amounts
Estimate Your easyfinancial Payments
See what your monthly payments could look like with easyfinancial's rate range of 9.99% – 34.95% APR.
Try the Loan CalculatorWho Can Apply for easyfinancial?
- Must be a Canadian resident aged 18+
- Must have a bank account and a verifiable income source
- Must not be in current bankruptcy proceedings
- Homeowners may access higher amounts with secured lending
How to Apply for a easyfinancial Loan
Apply online at easyfinancial.com or visit a local branch
Submit income and identity documentation
Receive an approval decision, often within the same day
Choose your loan amount, rate, and repayment term
Receive funds via direct deposit or in-branch
easyfinancial FAQs
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