Lender
Rating by Finanso®
i

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.

Apply For goeasy

Advertiser Disclosure

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 viaInterac 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.

Requirements

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.

goeasy application

FAQ

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 goeasy of 24.01.2025
Loan amount
i

Specify the desired loan amount

CAD
CAD
USD
500 C$
75000 C$
Loan term
i

Specify the loan term for the calculation

months
days
9
240
Province
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
All goeasy’s reviews by january 2025
Leave feedback
Similar companies
Simple Credit
2001 boul. Robert-Bourassa, suite 1700, Montréal (Québec) H3A 2A6
+1 (514) 904-40-28
Micro Click Loans
-
+1 (800) 933-09-60
Loonie Financial
1329-B Arena Road, Lot 110, Kahnawake Mohawk Territory Via:Quebec, Canada J0L 1B0
+1 (833) 423-22-08
Magik Cash
4180 Boul Henri-Bourassa E, Montreal, QC, H1H1L3
Prêt en ligne
-