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Rating by Finanso®

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.



About lender

Goeasy is a Canadian fintech company that provides various financial services, from personal loans to financial education. The company has more than 400 branches all over the country. Goeasy employs about 2,300 people, and in addition, goeasy has invested more than $4 million in charity, has served over 1.1 million Canadians, and originated over $8.2 billion in loans.

Goeasy is a parent company of two entities that offer personal loans and lease-to-own services. These are Easyfinancial and Easyhome. The company has operated for over 30 years and has an impressive experience in this industry. Easyfinancial is an alternative lending company that provides customers with personal loans; it says yes when banks say no, as stated on its website. Easyfinancial offers several types of financial products. Easyhome offers lease-to-own and lending products. For example, the company lets customers choose the required furniture or appliances for their homes.

These are the two main services that goeasy has developed for its customers. In addition, it operates through its subsidiary companies that have different conditions and different requirements.


Goeasy is a company with a broad spectrum of services. Thus, it has several significant and noticeable features.

First, this company has two subsidiaries operating in different industries. Also, it has elaborated a particular portal for investors and customers interested in upgrading their financial education.

The first subsidiary of Goeasy is Easyfinancial. This company offers different types of loans, such as personal loans, home equity loans, auto loans, point-of-sale financing, value-added financing, and small business financing. These services can have different conditions and terms. Borrowable amounts depend on the type of loan that customers need. For example, home equity loans can reach $75,000, and personal loans - to $20,000. Interest rates vary as well. Again, it depends on the loan type, loan amount, term, and the company’s assessment of customers’ credit profiles. The range of the APR is 9,99% - 46,96%.

The second subsidiary is Easyhome. It offers different types of financial services. This company provides customers with furniture and appliances for their homes via leasing. All the process can be completed 100% online as customers can choose what they need on the company’s website and then fill out a leasing application. The interest rates are also adjustable and depend on such factors as the type of furniture, its price, and others. Rates start from 29,99% and can reach 46,96%.

Pros and cons


  • The company offers personal loans and leasing alike;

  • The company serves the whole country and has more than 400 offices;

  • Goeasy has two subsidiary companies that provide different financial products;

  • No credit checks;

  • Terms and conditions are adjustable;

  • There are no upfront fees for personal loans;

  • Free delivery and setup;

  • Most loans are funded within 48 hours;

  • Customers can maintain their auto loans even if they move to another province;

  • Loans can be provided to self-employed customers.


  • Easyfinancial doesn’t finance all types of vehicles;

  • Customers will need to have three references to apply for Easyhome;

  • If Easyhome customers want to change their repayment period, they won’t be able to do it online;

  • Additional loan fees are not specified;

  • NSF fees may be charged.

To sum up, it is essential to remember that goeasy is a parent company for two financial entities: Easyfinancial and Easyhome, whose approval requirements are straightforward and approval ratios are high. Also, upfront fees are not charged for the loans.

However, both companies have several disadvantages. Easyfinancial offers auto loans, but it is not available for all types of vehicles. Moreover, Easyhome requires customers to have three references and doesn’t let them make any changes online. The APRs are pretty high.

Loan conditions

As goeasy offers different financial products, the conditions for Easyhome’s leasing and Easyfinancial’s loans also differ. To begin, customers fill out the online application form on the company’s website. Usually, it takes several minutes. After that, they will receive a response from the company to determine whether they are approved or not.

For example, to apply for a loan from Easyfinancial, customers must be of the age of majority, have a monthly income of more than $1,200, have steady employment, have a bank account with direct deposit, and be free of recent bankruptcies or consumer proposals. Also, they need to provide a government ID, proof of income, address, most recent 30-day bank statement, and void cheque or pre-authorized debit form.

Loan conditions from Easyfinancial depend on several factors. The interest rate varies between 9,99% - 46,96%, and the amounts depend on the type of the loan. Loan terms are also adjustable, starting from 9 months to 240 months. Conditions of leasing by Easyhome are flexible too. The range of the interest rates is 29,99% - 46,96%, and the terms depend on customers’ needs. The maximum loan amount is $75,000, while the minimum you can borrow is $500.

At Easyhome, loan amounts range from $500-$20,000, with rates between 29.99% - 46.96%.

Methods of loan funding

Customers can get their Easyfinancial loan funds via Interac e-Transfer or EFT. If customers are interested in the services provided by Easyhome, they will receive the leased piece by delivery.


What is goeasy?

GoEasy is a Canadian lending platform that provides Canadians with different financial products. The company operates through its two subsidiaries: Easyfinancial and Easyhome. The first provides several personal or business loans, while the second offers leasing services. 

Who owns goeasy?

GoEasy is a privately held company. Mr. Jason Mullins - its CEO and president. 

How do you qualify for goeasy?

To qualify for goeasy services, customers must fit in some basic requirements. These are: be of the age of majority, have a monthly income of more than $1,200, have steady employment, have a bank account with direct deposit, and have no recent bankruptcies or consumer proposals. Also, they need to provide a government ID, proof of income, and proof of address.

How much can you borrow from goeasy?

Different types of loans have different maximum borrowable amounts. For example, home equity loans are given up to $75,000, and personal loans can be up to $20,000. At Easyhome, loan amounts range from $500-$20,000.

Is it a legitimate company?

Goeasy is a legitimate company. It has an A+ accreditation by BBB and is a CLA member. In 2019, it was listed among the Top 50 FinTech companies by the Digital Finance Institute. In addition, this company is listed on the OPENGOVCA.

We create meaningful relationships with our customers built on transparency and respect.

© goeasy

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What to pay attention to when applying for a loan from Goeasy

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Goeasy from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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