Lender
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Fast Access Financial

Advertiser Disclosure

About lender

Fast Access Financial is an alternative lender, providing secured and unsecured loans and mortgages for people who can't qualify or don't want to borrow with banks. It was established in 2008 in Ontario, Canada, and operates in Ontario. 

The lender declared the aim to help Canadians get money when needed and rebuild credit to be able to borrow from traditional lenders with lower rates. 

Features

  1. It is an online services provider. Apply 100% online or by phone and get funded fast, within 24 — 72 hours from approval. The application is easy to understand and convenient. Provide personal, contact, employment, and income information to apply.     

  2. You can rebuild credit with Fast Access Financial. With comparatively low rates and open-ended terms — prepay penalty-free, and avoid fees for late payments — Fate Access may assist you in creating or fixing your credit score. They report your progress to Equifax as your scores improve. However, if you miss your payment, the score decrease will be reported and worsen your credit history. 

  3. You can borrow between $1,000 – $10,000 and get mortgages of up to 85% loan-to-value (LTV). Loan terms are 12-36 months; the rates vary from 9.90%. Annual percentage rates (APR) are 15.75% – 58.99%. Loans are classified as short-term borrowing for emergencies, and more significant amounts are secured by an eligible car. Personal unsecured loans aren't provided for self-employed customers. Instead, mortgages are offered as a long-term solution. 

Loan conditions 

Personal loans

Unsecured personal loans lent out based on the employment status and income of an applicant. The maximum loan amount is $5,000. Not available for self-employed, you should prove full-time employment over six months. 

Car title loans

Loans secured by a car as collateral for the loan in case of default. You may get a more significant loan amount with a secured loan. For example, to get a loan from Fast Access Financial, prove that you fully own an insured car model of 2009 or later to borrow up to $10,000. Also, be sure to repay your loan: if you don't make repayments, you could lose your car, which the lender could resell to cover your unpaid debt.

Mortgages

Home loans up to 85% of the LTV ratio. You must be an owner of a property you live in for a minimum of 60 days before applying for a potential up to $85,000.

Close My Deal

Special option for clients who need money to repay mortgage-associated costs without an additional credit check. For example, you may get $7,500 to cover moving costs, renewal fees, broker fees, agent fees, legal costs, etc. Rates start at 19.99%. You are expected to have Property Ownership for at least 60 days before applying and an LTV ratio of no more than 85%.  

You can apply with bad credit but are not eligible if you are currently in a consumer proposal or debt management plan. It may be approved with a current bankrupt status. Be ready to give consent to obtain your credit report from Equifax Canada. 

Methods of loan funding

Apply online, and after the approval, your funds can be deposited into your account within 24 hours of your request for a loan (72 hours if you apply on weekends or later than 1 p.m. on Friday). 

The loan is funded via direct deposit to your preset valid chequing account provided during the application. 

Pros and cons

Pros

  • Great choice of lending products

  • Competitive rates 

  • Easy to be approved

  • Bad credit loans

  • No penalty prepayments

  • Variety of terms

  • Appreciate every customer 

  • Report to Equifax to strengthen your credit

  • Online application 

  • Flexible payments

  • Good reviews

Cons 

  • High rates

  • No physical office

  • Limited loan amount 

  • A small company of 6 individuals 

  • Missed payment penalty

  • Should be over 21 years old

  • Available only to Ontario residents 

Fast Access Financial

FAQ

What is Fast Access Financial?

Fast Access Financial is an alternative lending company that offers secured and unsecured loans and mortgages for those who do not qualify or don't want to borrow with banks. It operates in Ontario.

Is Fast Access legit Financial?

Fast Access Financial was established in 2008 in Ontario, Canada. It works with Equifax to report your credit data. The information you provide is confidential and shared only with the lender and Equifax and is fully secured from viewing by any other sources.

How to contact Fast Access Financial?

To speak to one of the representatives, call 1.855.367.9191 or email [email protected].

The legal address is 80 Allstate Parkway, Suite 204, Markham, ON, L3R 6H3.

What if I don't pay off my loan to Fast Access Financial?

Fast Access Financial does not charge late fees, but be aware of the returned NSF (non-sufficient funds) fee of $100, which will be added to the fee charged by your financial institution. Too many missed payments may affect your credit score. The lender offers an individual approach to each customer and their problems and needs. Call +1 (855) 367-9191 to discuss your options.

Company documents

Terms & Conditions

We want to help you get the money you need right away and rebuild your credit in the process so that you can gain access to bank loans at bank rates.

© Fast Access Financial Inc.
Fast Access Financial service available provinces
  • Ontario
Fast Access Financial service available provinces
Financial products
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000
Fast Access Financial
Personal Loans
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $5,000
Rate
i

Effective interest rate on the product

up to 58.99%
Term
i

Loan term for the financial product

up to 36 months
Fast Access Financial
Car Title Loans
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $10,000
Rate
i

Effective interest rate on the product

from 9.90%
Term
i

Loan term for the financial product

up to 36 months
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$500-$15,000
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7.5%
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60 months
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$120-$1,500
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up to 575%
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Loan term for the financial product

up to 62 days
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
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650
1000
$7,500 - $59,995
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Effective interest rate on the product

up to 31.99%
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Loan term for the financial product

up to 96 months
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$5,000-$100,000
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Effective interest rate on the product

up to 31%
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Loan term for the financial product

up to 86 months
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$1,000-$50,000
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up to 22.9%
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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Effective interest rate on the product

up to 29.99%
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Loan term for the financial product

up to 84 months
Calculate loan payments in Fast Access Financial

Fast Access Financial calculator will allow you to calculate an approximate payment schedule for the loan

Fast Access Financial calculator
Interest rates are given in accordance with the rates of the Fast Access Financial of 27.03.2024
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