Choose a country
Choose a city
Choose a city
Choose a language
Select country
Choose a country
United States
Việt nam
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.

Goeasy's application



If a customer wants to qualify for one of the services goeasy and its subsidiaries provide, they must comply with several requirements. These requirements depend on the product the customer wants. However, there are some basic requirements: 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, customers will have to provide documents such as a government-issued ID and proof of income and employment.

Application details

The online application doesn’t take much time. Usually, customers can complete it within several minutes. This form requires information about a customer, their finances, and loan purposes. Firstly, they need to choose the desired amount, the loan purpose, and key in their full name and email address. Customers will be asked to note their address, phone number, citizenship, and employment status on the next page. Questions are simple so that customers can deal with them quickly.

How to apply for a loan

Clients need to go to the websites of Easyfinancial or Easyhome. Both have simple application forms, and the whole process can be done online. Firstly, customers need to find the “Apply now” button and click it. After that, they must fill out the pre-approval form by providing answers to the required questions. As soon as they are done with it, they will be contacted by the company’s operators to receive the response. If it is positive, they will need to provide a package of documents. Finally, they will receive the required product. If it is a loan, they will have the necessary amount transferred via Interac e-Transfer or EFT if they choose a loan. If they have decided to take the furniture for lease, Easyhome will arrange the delivery to a customer’s address.


How long does it take to get approved by goeasy?

Usually, loan approval takes not more than 30 minutes so that customers can be approved on the same day. If you need leasing, our customer service representatives will verify your information, typically taking 1-2 business days.

How trustworthy is goeasy?

This is a trustworthy company. Several certificates were awarded, including Great Place to Work 2011-2022, Top 50 FinTech Companies 2019, Greater Toronto Top 2019 Employers, and 2019 Canada’s Top Growing Companies. GoEasy is a member of CLA and has an A+ accreditation from BBB. Also, it has a Platinum Trusted Service Award by Feefo.

Does goeasy verify income?

Goeasy performs several standard checks to ensure that customers can repay their loans. It has some requirements on customers’ income. However, the company does not run credit checks to assess an applicant's creditworthiness. Instead, they use it to determine whether they can lend money to customers and, if they can, how much money they can lend.

Moreover, Easyhome requires customers to have more than three references and provide their employer’s contact information. 

Does goeasy hurt your credit score?

The company reports your payments to credit bureaus. Consequently, you can rebuild your credit or hurt it. A client’s credit score may decrease significantly if they pay irresponsibly and irregularly.

Calculate loan payments at Goeasy

With Goeasy calculator you can calculate an approximate payment schedule for the loan

Goeasy calculator
Interest rates are given in accordance with the rates of the bank in Ottawa as of 25.09.2022
Loan amount

Specify the desired loan amount

500 $
75000 $
Loan term

Specify the loan term for the calculation


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.
Your comment has been added
Your complaint has been recorded
Invalid username or password
Please log in to like/dislike
Invalid SMS code has been entered
All Goeasy’s reviews by September 2022
Leave feedback

Similar companies

TD Canada Trust Tower, 161 Bay St. 27th Floor, Toronto, ON M5J 2S1
Auto Loan Solutions
3200 Bloor Street West Toronto, ON M8X 1E1
License No. 6482091
130 Adelaide St W, Suite 3100, Toronto, Ontario, Canada, M5H 3P5.
Symple Loans
161 Bay Street, Suite 2700 Toronto, ON, M5J 2S1
Rocket Funds
internet only