Apply For easyfinancial

As easyfinancial is a multi-channel financial platform, it is possible to apply on the phone, online, in-store at over 400 locations nationally, at a point of sale, or through its mobile app. One can apply for a personal loan, a home equity loan, an auto loan, point-of-sale financing, value-added services, and a small business loan. Applying won't affect your credit score, suggests no obligation and no fees. However, you can even bolster your credit history if you make your payments on time.

How to apply for an easyfinancial loan

1. Visit the easyfinancial Website. Navigate to the official website of easyfinancial using your preferred web browser.

2. Explore Loan Options. Browse through the available loan options offered by easyfinancial, including secured and unsecured loans, to find the one that best suits your financial needs.

3. Start the Application Process. Locate the "Apply Now" button on the website's loan product page, and click on it to initiate the application process.

4. Provide Personal Information. Fill out the online application form with accurate personal information, including your full name, contact details, address, employment status, income details, and any other required information.

5. Choose Loan Amount and Terms. Select the desired loan amount and repayment terms based on your financial situation and borrowing needs. easyfinancial typically offers loan amounts of up to $100,000, with adjustable repayment plans and interest rates.

6. Submit Supporting Documents. As part of the application process, you may be required to submit supporting documents to verify your identity, income, and financial status. These documents may include government-issued ID, proof of income, bank statements, and other relevant documentation.

7. Complete the Application. Once you have filled out the application form and submitted all the required documents, review the information for accuracy and completeness. Make any necessary revisions before finalizing the application.

Conditions

Home equity loans

• Loan Amounts. Ranging from $15,000 to $100,000.

• Interest Rates. Starting from 9.99%.

• Loan Terms. Available for terms ranging from 72 to 120 months.

Unsecured loans

• Loan Amounts. Ranging from $500 to $20,000.

• Interest Rates. Starting from 29.99%.

• Loan Terms. Available for terms ranging from 9 to 84 months.

Requirements

1. Citizenship. You must be a Canadian citizen.

2. Age. You must meet the minimum age requirement of your province.

3. Income. You should be able to demonstrate a steady employment income of at least $1,200 per month, indicating your ability to make repayments.

Reasons for rejection

1. Affordable Options. Your financial situation may not be deemed suitable for easyfinancial's affordable options, considering factors such as income and expenses.

2. Documentation. Failure to provide the required documents or incomplete documentation may result in rejection of your loan application by easyfinancial.

3. Change in Circumstances. Your financial circumstances may have changed since your last application, impacting easyfinancial's decision to approve or reject your loan request.

4. Assessment Process. The assessment process undertaken by easyfinancial, which considers various factors such as affordability, creditworthiness, and risk assessment, may result in rejection if you do not meet their criteria.

5. Credit Profile. Your credit profile, including factors such as credit history, credit score, and debt-to-income ratio, may not meet easyfinancial's lending criteria.

Additional resources

• About easyfinancial
• easyfinancial Online Banking
• How to PayOff easyfinancial Debt
• easyfinancial Mobile App
• easyfinancial Personal Loans for January 2025
• easyfinancial Loans Calculator
• easyfinancial Customer Reviews

Sources

• easyfinancial Services Website